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23Filing a ClaimDisability InsuranceVisit guardianlife.com/us or call (800) 627-4200Contact Guardian to file a disability claim. You and your doctor will be required to complete aclaim form to provide information about your condition and expected recovery.Voluntary Long -Term DisabilityLong-Term Disability InsuranceThe purpose of Long-Term Disability can benefit you if you are unable to work due to a covered disabilityresulting from an illness or injury that occurs on or off the job, such as musculoskeletal conditions, circulatorycondition, cancer, and nervous system disorders.Replaces 60% of your total monthly earnings up to $10,000 each month.If your claim is approved, benefits begin 180 days day from the date of your disability.Benefits may be paid up until your Social Security Normal Retirement Age or longer, depending on your ageat the time of disability.Please submit your enrollment using the link and QR code.https://form.jotform.com/250215172662147Questions on how to Enroll?contact Service@thecacompanies.com for assistance.27Long-term disability (LTD) coverage is a type of insurance that providesincome replacement if you become unable to work due to a serious illness orinjury for an extended period%u2014usually more than 6 months. It offers severalbenefits that can help protect your financial stability and well-being when lifetakes an unexpected turn. Here are some key reasons why it%u2019s a good idea tohave Long-term disability coverage:Income Protection: Replaces a significant portion (60%) of your income ifyou%u2019re unable to work for an extended period.1.covers those life-altering events that could keep you out of work formonths or even years.2.Even if you have health insurance, long-term disabilities often involveadditional medical costs, including ongoing treatment, therapy,medications, or special equipment.3.