Page 13 - 2017 Employee Benefit Highlights

Protecting your income
Disability insurance

Short-term Disability (STD) | cigna.com

Short-term Disability (STD) is provided at no cost to you—Epicor pays 100% of the cost and
benefits paid are federally tax-free.

STD insurance helps ensure a continued income if you become ill or injured and unable to
work on a temporary basis. Common examples include recovery after the birth of a child or How to file a Short-term or
recuperation after surgery. Long-term Disability claim:

After the 7th day following an illness or injury which causes you to miss work, you receive Contact the Benefits Department
a benefit equal to 60% of your base weekly earnings, up to a maximum of $2,308 per to request a leave of absence. Your
week, on a federal tax-free basis! Your “weekly base” earnings means the weekly salary in Benefit Analyst will provide you
effect on the date disability begins. Benefits are payable up to 25 weeks, as long as you are details regarding your leave.
disabled. And 25 weeks, as long as you are ill. Short-term Disability and Long-term
Disability are administered by Cigna.

Long-term Disability (LTD) | cigna.com cigna.com
888.842.4462
Long-term Disability (LTD) is provided at no cost to you—Epicor pays 100% of the cost and Hours: 7am to 7pm CST
benefits paid are federally tax-free. (Monday – Friday)

If your non-occupational illness or injury lasts longer than 180 calendar days, LTD will
pay 60% of your base earnings, up to a maximum of $10,000 a month, on a federal tax-
free basis! Benefits continue until you are no longer disabled or you reach the age of 65,
whichever is sooner.

Please Note: STD and LTD are both company paid benefits; however, in order to receive
disability payments without having federal income tax deducted when benefits are
received, you need to pay for these benefits post tax. Therefore, you pay for the benefit and
then Epicor reimburses you for the premiums you paid. You will see your contribution under
your deductions and the company reimbursement under earnings on your pay stub.

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