Page 13 - AAG Benefits Guide OOS (Non-CA) Employees

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BENEFITS

DISABILITY PLANS

An unexpected injury or illness that keeps you out of work for a long time can have a devastating
impact on your income, jeopardizing your ability to cover normal household expenses. Nearly
50% of all foreclosures are the result of a disability. The right disability insurance, can protect your
income, relieving you of the anxiety of depleting your savings to pay your bills.

Short-Term Disability LONG-TERM DISABILITY
Short-Term Disability (STD) coverage is designed AAG will provide all eligible employees,
to replace a portion of your earnings if you are who have completed 12 months of
unable to work due to a non-work related short- continuous employment, Core Long-Term
term illness or injury. AAG will provide all eligible Disability coverage through Cigna.
employees who have satisfied a 6 month waiting Employees will also have the opportunity
period a company-paid STD plan. The weekly to buy up on the coverage paid for by AAG.
benefit is 60% of your base earnings to a Should you experience a serious illness or
maximum of $1,000. Benefits begin after 14 days injury that prevents you from working for
of illness and continue for up to 24 weeks. an extended period of time, Long-Term
Disability (LTD) insurance provides financial
protection. Please refer to plan documents
for details, including important coverage
exclusions and limitations.

GROUP ACCIDENT INSURANCE COVERAGE

INSURED BY CIGNA
Accident insurance coverage provides a cash benefit when medical services are obtained due to
a covered accident. An accidental injury can be costly, especially if you are financially
unprepared. Your current medical coverage will help pay for expenses associated with an injury,
but won’t cover all of the out-of-pocket expenses you may face. Don’t wait until you are rushed
to the emergency room to realize you need more protection.

ELIGIBILITY
All active, full-time employees regularly working a minimum of 20 hours per week, who are
United States citizens or permanent resident aliens, working and residing in the United States
and their U.S. citizen Spouse and Dependent Children who are residing in the United States.

SEMI-MONTHLY PREMIUM

PLAN EMPLOYEE EMPLOYEE & EMPLOYEE & EMPLOYEE &
CHILDREN
ONLY
FAMILY
SPOUSE
Group Accident Insurance Coverage $9.63 $13.47 $13.95 $17.79
Employee per-paycheck premiums can be found within the enrollment portal.