Page 21 - Omega Benefits Guide

Long Term Disability Benefits

Long Term Disability with Sun Life
 100 % paid by Omega Construction, Inc.
 Benefit amount is 50% of insured’s monthly salary.

 $6,000 maximum benefit per month.
 Elimination period of 180 days applies.
 Definition of disability is 24 months Regular Occupation.
 12-month return-to-work incentive

 Pre-existing condition limitation of 3/12
o Conditions that have been diagnosed and treated 3 months prior to
effective date of coverage will not be covered for the first 12 months
even if they render the insured disabled.

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