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Short-term Disability Insurance
Summary of Benefits

Prepared for: Full-Time Employees of None

Group rates for KCM employees make short-term
disability insurance more affordable than ever. This
coverage provides a weekly cash benefit if you are not
able to work due to injury, illness, surgery, or recovery
from childbirth. Additional plan benefits are outlined on
the following pages.

Your premium comes out of your paycheck, so no money is
due now.

Cash Benefit

Short-term Disability
60% of your weekly salary, limited to
Weekly benefit amount
$1,000 per week
Sickness elimination period 14 days
Accident elimination period 14 days
Maximum coverage period 11 weeks

Sickness Elimination Period

 You must be out of work for 14 days due to an illness before you can collect disability benefits. You can
begin collecting benefits on day 15.

Accident Elimination Period
 You must be out of work for 14 days due to an accidental injury before you can collect disability
benefits. You can begin collecting benefits on day 15.

Weekly Benefit Amount

 Your weekly benefit is taxable if your premium is paid with pre-tax dollars (through payroll deduction).

Maximum Coverage Period
 This is the number of weeks you can collect disability benefits (also known as the benefit duration).

 The 11-week coverage period is for the occupation in which you were employed at the time of your
disability (also known as your own occupation).

No Health Examination Required

 You can take advantage of this important coverage now, with no health examination.
 If you decline this coverage now and wish to enroll later, a health examination may be required.

Short-term Disability Insurance Summary of Benefits
STD-ENRO-BRC001-TX