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Benefits

Disability Insurance

Cigna | Voluntary Long Term Disability Insurance

Confie offers you the opportunity to purchase Long Term Disability (LTD) to provide income replacement if you become disabled for an
extended period of time, through Cigna.

Benefits begin where our short term disability benefit come to an end at 180 days. Our LTD insurance integrates with all state disability
programs, Social Security, and any other group disability coverage, to provide you with a combined monthly benefit equal to 60% of your
pre‐disability earnings up to a maximum benefit of $10,000 per month.

Since you contribute to the cost of this coverage, the benefit you receive should be free of both state and federal income tax. Consult
your tax advisor for more information.

LONG TERM DISABILITY PREMIUM RATES HOW TO CALCULATE THE COST OF YOUR COVERAGE

Multiply your monthly earnings by the premium from the
AGE Monthly Premium Rate
(per $100 of your monthly covered earnings) age table to the left; then divide by 100. See example be‐
low
< 35 $0.170
Example Employee
35-39 $0.320 Age: 38 Annual Earnings: $37,000; Monthly Avg $3083.33
40-44 $0.470 Monthly Earnings: $3,083.33 (max $16,666)
45-49 $0.650
x Age Rate: $0.32
50-54 $0.770
/ $100: / 100
55-59 $0.870
= Mo’ Premium $9.87
60-64 $0.820
Expected Monthly
65+ $0.610 Benefit: $1,850

Please refer to your Certificates of Coverage for more specific definitions and exclusions of your Short and Long Term Disability
policies.

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