Page 20 - CC 2017 Benefits Booklet

2017 EMPLOYEE BENEFITS GUIDE

DISABILITY

Voluntary Short Term Disability (STD)

We recognize the hardship a non-work related injury If you meet the definition of disability as determined by
or illness resulting in lost time from work can have for Guardian, you are eligible to receive a benefit, chosen

you and your family. In order to have protection for by you, per week for 13 weeks. Your STD benefits may
lost income due to an extended absence from work, be reduced by the amount of other income you receive
you are offered Voluntary Short Term Disability in the for the same disability. The elimination period—the
amount of $200 to $1500. length of time of continuous disability which must be
satisfied before you are eligible to receive benefits—is
seven days.

Definition of Disability
You are considered to have a disability when Guardian determines—due to your injury or illness—you are unable to
perform the duties of your job and earning less than 20% of you pre-disability earnings.

Long Term Disability (LTD)
You will be eligible to receive a monthly LTD benefit if you meet the definition of a disability
(see below). LTD benefits begin after 90 consecutive days of disability, and are equivalent to

60% of your monthly earnings to $7,500. The maximum duration for receiving LTD benefits is
to age 65 or your Social Security normal retirement age.

Definition of Disability
You are disabled when Guardian determines—due to your injury, or illness—you are receiving appropriate care and

treatment from a doctor on a continuing basis, while unable to perform one or more of the essential duties of the
following.
• Your occupation during the elimination period
• Your occupation, for the first 3 year(s) following the elimination period, you will receive benefit payments while
you are unable to work in your own occupation.
• After three years, you will continue to receive benefits if you cannot work in any occupation based on training,
experience and education.

18