Page 18 - 2020 McLennan County Benefits Enrollment Guide

Voluntary Long-Term Disability – Dearborn National
All eligible employees have the ability to purchase long-term disability income benefits via payroll deduction through
Dearborn National Insurance. In the event you become disabled from a non- work-related injury or sickness, disability
income benefits are provided as a source of income.

Eligibility All eligible, active full-time employees
Group LTD Benefit Percentage 60%
Maximum Monthly Benefit $5,000
Minimum Monthly Benefit $100 or 10% of gross monthly earnings, whichever is
greater
Elimination Period/Waiting Period Before Benefits Begin 90 days
Survivor Benefit If the employee passes away after being disabled and
receiving long-term disability benefits for 6 consecutive
months, Dearborn National will pay the employee’s
beneficiary a lump sum benefit equal to three months of
disability benefits.
Pre-Existing Condition Limitation 12/24 - A pre-existing condition means a sickness or injury
for which an employee received treatment within 12
months prior to the effective date. Any disability
contributed to or caused by a pre-existing condition within
the first 24 months of the effective date will not be
covered.
Mental Disorder Limitation 24 months

Monthly Cost for Voluntary Long Term Disability

Age <24 25-29 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65-69 70+

Disability $.0013 $.0021 $.0035 $.0050 $.0071 $.0104 $.125 $.163 $.0109 $.0083 $.0089

Short Term Disability, provided by AFLAC
McLennan County offers a Short-Term Disability Aflac policy to you via payroll deduction. This policy is intended to
supplement your major medical plan. Short-Term Disability applies if you are prevented from working due to an illness
or injury for a short period of time. Short-term disability income insurance is designed to pay you benefits sooner and
for a shorter period of time than long-term disability income insurance. There is a waiting period in the short-term
policy to receive benefits, please refer to the policy terms for details regarding the waiting period.

This Aflac benefit is paid directly to the policy holder and most claims are paid in 3 days or less. This AFLAC policy is also
fully portable which means you can take the policy with you if you leave employment with McLennan County.

Coverage Details:

• Covers 55-60% of your Pre-Disability Earnings
• You choose how soon you want benefits to begin
• May be used in conjunction with other coverages you may have
• You choose how long it pays for a qualified disability – 90, 180, 365 or 730 days

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