Page 13 - Down East Wood Ducks 2022 Benefits Guide

DISABILITY INSURANCE

Disability insurance is a very important part of the Down East Wood Ducks benefit program. The
disability plans are designed to provide you with a source of income if you become disabled and unable
to work. Short term disability benefits are only payable when you are unable to work because of non-

work-related illness or injury. All disability leaves will run concurrent with the Family & Medical Leave
Act (FMLA) or state equivalent where applicable.

Short Term Disability (STD):
• Fully paid for by the Company
• Benefits are:
o 0 to 6 months of service = No Payment
o 6 months to 1 year of service = 2 weeks’ pay per 12-month period
o 1 year to 2 years of service = 4 weeks’ pay per 12-month period
o 2 or more years of services = 6 weeks’ pay per 12-month period
• Salary continuation payments will be based only, exclusive of overtime, bonuses or supplemental pay, and all
salary continuation is contingent upon and subject to the approval of the President.
• During a leave under the policy, health insurance coverage will continue.
• If an Employee is unable to return to work when short-term disability pay has been exhausted, the Employee may
apply for unpaid leave status where FMLA leave has not been designated. An Employee will be eligible to apply
for long-term disability if unable to return to work after 90 days’ total absence.
• An Employee returning from a short-term disability leave must provide a statement from his or her physician
certifying that the Employee has a release to return to work.
• Accruals for benefit calculations, such as vacation, sick/personal leave, or holiday benefits, will be suspended
during the leave and will resume upon return to active employment.

Long Term Disability (LTD):
• Fully paid for by the Company
st
• Has a 90-day elimination period, which means the LTD coverage will begin on the 91 day of a disability.
• If an application is approved by Unum, an Employee will receive 60% of their pre-disability monthly earnings
(minus any excludable earnings, such as social security payments) for the duration of his/her disability, as defined
by Unum, or until retirement age.

The above is a brief summary of this benefit option.
Click here for more detailed information on this available benefit option.

Please contact HR for additional information

2022 Down East Wood Ducks Benefit Guide Page 13