Page 13 - 2015-2016 Enrollment Guide
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Disability Beneits If you become disabled and cannot
work, few beneits are more important
to your inancial security than disability
Short Term Disability income protection. Enrollment is
The Short Term Disability plan pays a beneit dependent upon your years automatic and Optimas pays the full
cost for your coverage.
of service with Optimas as long as you are unable to work because of a
non-work related injury or illness as shown on the following schedule.
Short Term Disability Benefit Schedule
Years of Service Beneits Duration and Percent Payable
Less than One Year 13 weeks* at 66.67%
One to Five Years First eight weeks at 100%—Next 18 weeks at 66.67%
Five to Ten Years First 18 weeks at 100%—Next 8 weeks at 66.67%
Ten Years or More 26 weeks at 100%
* Or length of service, whichever is less.
Beneits begin after six days in the event of an accident or illness. Once
you’ve exhausted your Short Term Disability beneit, the plan will
transition you to the Long Term Disability program.
If you work in a state which has a state mandated disability plan, your
total combined beneit amount will be the greater of your state’s plan or
this plan.
Long Term Disability
The Long Term Disability plan pays a beneit of 66.67 percent of your
covered monthly earnings up to $10,000 for each month you are unable to
work due to a disabling condition.
If you are unable to return to work, beneits begin after 180 days of
disability and may continue until age 65 or the maximum beneit period is
reached.
Your disability plans are administered and/or insured by Matrix/Reliance
Standard Life Insurance Company. Contact information for claims
submissions and questions are available at the end of this Guide.
New Hire Benefits Guide 2015–2016
Disability Beneits If you become disabled and cannot
work, few beneits are more important
to your inancial security than disability
Short Term Disability income protection. Enrollment is
The Short Term Disability plan pays a beneit dependent upon your years automatic and Optimas pays the full
cost for your coverage.
of service with Optimas as long as you are unable to work because of a
non-work related injury or illness as shown on the following schedule.
Short Term Disability Benefit Schedule
Years of Service Beneits Duration and Percent Payable
Less than One Year 13 weeks* at 66.67%
One to Five Years First eight weeks at 100%—Next 18 weeks at 66.67%
Five to Ten Years First 18 weeks at 100%—Next 8 weeks at 66.67%
Ten Years or More 26 weeks at 100%
* Or length of service, whichever is less.
Beneits begin after six days in the event of an accident or illness. Once
you’ve exhausted your Short Term Disability beneit, the plan will
transition you to the Long Term Disability program.
If you work in a state which has a state mandated disability plan, your
total combined beneit amount will be the greater of your state’s plan or
this plan.
Long Term Disability
The Long Term Disability plan pays a beneit of 66.67 percent of your
covered monthly earnings up to $10,000 for each month you are unable to
work due to a disabling condition.
If you are unable to return to work, beneits begin after 180 days of
disability and may continue until age 65 or the maximum beneit period is
reached.
Your disability plans are administered and/or insured by Matrix/Reliance
Standard Life Insurance Company. Contact information for claims
submissions and questions are available at the end of this Guide.
New Hire Benefits Guide 2015–2016
