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Now Available to
Full-Time Employees of None:

Short-term disability insurance with affordable group rates

Don’t let time out of work

set you back financially.
The Lincoln Short-

term Disability Saving for a rainy day is a nice sentiment. But if you can’t work and don’t have
enough saved (or don’t want to wipe out your entire savings), there is another
Insurance Plan: option.

 Provides a cash benefit Here’s how this important coverage works.

when you are out of work 1. If you are out of work due to injury, illness, surgery, or recovery from
childbirth, there is a period of time before you begin collecting disability
for up to 11 weeks due to
benefits. This is called the elimination period. You may be covered by
injury, illness, surgery, or employer-sponsored sick leave and/or paid time off (PTO) during this time.

recovery from childbirth 2. After the elimination period, you receive 60% of your weekly salary (up to a
maximum cash benefit of $1,000 per week) until you’re able to return to work
 Provides a partial cash or your 11-week coverage period ends.
3. If you are able to perform some of your duties or work part-time, you may be
benefit if you can only do
able to receive partial disability benefits while also receiving partial pay from
part of your job or work your employer.
part time 4. You may receive an additional 5% each week if you participate in an approved
rehabilitation program while you are out of work.
 Features group rates for A complete Summary of Benefits is included on the next few pages.

KCM employees Here’s how little you pay with group rates.

 Offers a fast, no-hassle

claims process
Your estimated bi-weekly premium is determined
Premium
by multiplying your weekly salary amount (up to Age Range Factor
$1,667) by your age-range premium factor. If your 0 - 24 0.00947
weekly salary exceeds $1,667, multiply $1,667 by 25 - 29 0.00947
your premium factor. 30 - 34 0.00872
35 - 39 0.00822

$ 40 - 44 0.00773
45 - 49 0.00798
weekly salary 50 - 54 0.00897
X 55 - 59 0.01097
60 - 64 0.01296
premium factor
65 - 69 0.01493
=$ 70 - 74 0.01617
bi-weekly premium 75 - 99 0.01617

No money is due at enrollment. Your premium simply comes out of your paycheck.