Page 25 - 2024 Employee Benefits Guide

If you are a regular full-time new hire, you become eligible for the
short-term disability (STD) plan on your ninety-first day of work. If you
are a rehire and you return within one year of your termination date,
then your eligibility date is based on your adjusted date of hire. If you
are rehired more than one year from your termination date, then your
STD eligibility date will be based on your rehire date.

Before receiving STD benefits, you must complete the STD claim
application process and a benefit waiting period of 14 calendar days.
Your benefits begin once you have completed the waiting period and
your STD claim is approved. STD benefits will be paid for a maximum of
90 calendar days.

Your income replacement benefit is based on your rate of pay as of the
last day you worked before you became disabled and will remain the
same during your disability. You are required to use your available sick
leave, personal days, and/or vacation leave to cover your STD waiting
period. You may only use unpaid leave if you have no other paid leave
type available (see the Employee Handbook of Policies and Procedures).
While you are on STD leave, your sick leave, vacation leave, and
personal days continue to accrue.

The STD claims process is managed by an outside, third-party
administrator. You are required to provide verification of your illness or
injury to the administrator at the beginning of your disability absence.
The administrator may also request verification during your absence.
Upon your return from disability leave, you may be required to provide to
Human Resources a written medical release from your physician which
may describe any applicable work limitations.
Benefit premiums while on short-term disability

While you are on STD leave, Texas Mutual will continue to pay its portion
of the premium for your medical and dental insurance, group life
insurance, and short and long-term disability insurance. You are
responsible for paying your portion of premiums for medical, dental,
and the premiums for any optional benefits you have elected. While you
are receiving STD benefits, your retirement plan contributions (both
yours and TXM’s) cease until your return. Upon your return to work,
Workday calculates any benefit premiums that were paid by TXM on
your behalf during your absence and deducts the premiums from future
pay period(s).

Long-term disability
The long-term disability (LTD) plan provides income replacement if you
are absent because of a non-occupational illness or injury. Income
replacement begins after 90 calendar days of disability. Your income
replacement is based on your rate of pay as of your last day of work
prior to your disability date. The monthly benefit amount appears in the
below table.

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