Page 12 - Walter Robbs 2018 Benefit Guide

Disability Benefits

Group Voluntary Short Term Disability

Group# 162859

Provided by Reliance Standard, this valuable income protection program is available to
employees working 25 or more hours per week. This benefit is fully paid by the employee.

 Short Term Disability provides income replacement equal to 60% of your covered
weekly earnings up to a maximum of $750.
 If you become disabled due to a non-work related accident or illness, the STD plan will

begin paying a benefit to you once the 14 day elimination period is satisfied (benefits
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begin on the 15 day). Benefit duration is eleven weeks.
 The rate for Short Term Disability coverage is $0.24 per $10 of weekly benefit.
 3/12 pre-existing condition limitation applies. Benefits will not be paid for a disability
caused by, contributed to or resulting from a pre-existing condition unless the insured
has been actively at work for one full day following the end of twelve consecutive
months from the date he/she became an insured. Pre-existing condition means any
sickness or injury for which the insured received medical treatment, consultation, care
or services, including diagnostic procedures, or took prescribed drugs or medicines,
during the three months immediately prior to the insured’s effective date of insurance.

Group Long Term Disability

Group# 124190

Provided by Reliance Standard, this valuable income protection program is available to
employees working 25 or more hours per week. This benefit is fully paid by Walter Robbs.
 Long Term Disability provides a monthly income replacement benefit amount equal to
60% of covered earnings, up to a maximum of $6,000 per month, in the event you are
unable to work due to a disability as outlined in the contract.
 This benefit pays as long as you continue to meet the definition of disability in the
contract, up to your normal social security retirement age.
 You must satisfy a 90 day elimination period from the date of disability.

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