Page 17 - 2013 Allied Printing Benefit & Notices

Allied Printing Co., Inc. 2013

LTD Benefits
Class I Value Plan Class II Value Plan

(All Full-Time Employees) (Full-Time Executive Employees)
Maximum Monthly Benefit $3,000 $10,000

DRAFT
Minimum Monthly Benefit $50 $50
Social Security Integration Primary & Family Primary & Family

Elimination Period 90 days 90 days

Accumulation of Elimination 2x Elimination Period 2x Elimination Period
Period
Maximum Benefit Period Later of age 65 or SSNRA Later of age 65 or SSNRA

Pre-existing Condition 3 / 12 3 / 12
Exclusion
Special Illness/Injury Limits
Mental/Nervous & Substance Abuse 24 months 24 months
Other Limits (Specified Illnesses) 24 months 24 months

Premium Contributions Non-Contributory Contributory

Definition of Disability
Own Occupation Coverage Period 24 months
Following Own Occ Period Any Gainful Employment
Zero Day Residual Included
Return to Work Incentive SSNRA
Partial Disability Formula Residual w/Progressive
- Income Test first 24 months 99%
- Income test after 24 months 60%
Additional Features
PIB Maximum $5,000 $5,000
Reasonable Accommodations Included Included
Vocational Rehabilitation Mandatory Mandatory
Survivor Income Benefit 3 Months 3 Months
Subrogation/Third Party Reimburse Included Included
Conversion Option Not Included Not Included
Spouse Disability Not Included Same
Maximum Period Not Included Same
Retirement Income
Protection Not Included Same
Medical Premium Benefit Not Included Same
Maximum Period Not Included Same
Family Care Not Included Same
Maximum Period Not Included Same
Prior Insurance Credit Included Included

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