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Disability benefits, cont.

Long-term disability
The long-term disability 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.

Long-term disability benefit

Benefit Coverage
Monthly Benefit Amount 60%
Maximum Monthly Benefit Amount $10,000

Minimum Monthly Benefit $100
Waiting Period 90 days

LTD benefits are paid if you are unable to perform the material duties of your own
occupation for the first 24 months of disability. If after that time, you are unable to
perform the material duties of any occupation, your benefits may continue to the
maximum benefit period (social security normal retirement age).

While you are on LTD leave, your sick leave, vacation leave and personal days
continue to accrue.

Long-term disability pre-existing condition limitation
LTD coverage is subject to a pre-existing condition limitation. The pre-existing
condition period is the three months immediately before your date of hire. If
you have a pre-existing condition during limitation period, your condition will
not be covered until you have been covered by the plan for 12 months. A
pre-existing condition is any condition caused by an injury or sickness for
which you consulted a doctor, received medical treatment (including testing
and diagnostic services), or obtained prescribed medication during the three
months immediately before your date of hire.

Benefit premiums while on long-term disability
If your disability leave is greater than six months in duration (90 calendar days
of STD and 90 calendar days of LTD) and you remain employed by Texas Mutual,
Texas Mutual will cease to pay its portion of the premiums for your medical,
dental, group life and accident, STD, and LTD insurance coverage. You may
elect to continue your medical and dental coverage through the Consolidated
Omnibus Budget Reconciliation Act of 1985 (COBRA). You will receive a
COBRA notification letter explaining this to you at the applicable time.

Supplemental long-term disability insurance
UNUM Individual Disability Insurance provides you the opportunity to
supplement the company-provided long-term disability benefits by an
additional 15% of your income should you become disabled and unable to
work. The UNUM Individual Disability Policy is fully portable and offers a
group-discounted rate. Policies are available on a guarantee issue basis upon
hire. New hires will automatically receive a policy quote directly from UNUM.

20 Employee Benefits Guide