Page 17 - Ria Benefits Guide 2020 FINAL CO
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Income Protection



         UNUM | SHORT-TERM DISABILITY                          UNUM | LONG-TERM DISABILITY
         Ria provides employees short-term disability benefits (STD). If   Ria provides eligible employees the opportunity to purchase Long
         you experience a short term (less than 26 weeks) disability, this   -Term Disability (LTD) benefits through Unum on a voluntary basis.
         plan will provide continued compensation paid on a weekly   If you experience a disabling condition, LTD benefits provide
         basis.                                                continued compensation paid on a monthly basis.

         The Unum STD plan is available to employees in all locations
         except where state mandated coverage is available. States with
         mandated disability coverage include: California, Hawaii, New
         Jersey, New York, Puerto Rico, and Rhode Island..     Long-Term Disability         Employee Coverage
                                                               Monthly benefit              60% of salary up to $5,000

          Short-Term Disability       Employee Coverage        Elimination period                  90 days
                                                               Benefit duration                  Age 67/ADEA
         Coverage amount                  60% of salary
                                                               Pre-existing condition      3 moths treatment free; or 12
         Max weekly benefit                  $500                                             months on the plan

         Accident benefits begin             Day 7             Mental nervous/                     2 years
                                                               substance use
         Illness benefits begin              Day 7
                                                               Survivor benefit                   3 months
         Max benefit duration               26 weeks
                                                               Integration                        Full family
         Pre-existing condition          Not applicable
                                                               Rehabilitation benefit        Enhance rehabilitation







         Voluntary Worksite Benefits

         GUARDIAN | VOLUNTARY CRITICAL ILLNESS
         You have the opportunity to apply for Critical Illness Insurance on an annual basis, a limited benefit policy offered through Guardian.
         This insurance is designed to help you offset the costs of certain covered critical illnesses such as stroke, permanent paralysis, heart
         attack, end-stage renal disease, and cancer. When diagnosed with a covered condition, you will receive a lump-sum benefit that you
         can use for expenses such as deductibles, copays, transportation, and so on.  Cost per pay period is age banded and will vary. Child
         cost is included with employee election.

         GUARDIAN | VOLUNTARY ACCIDENT
         Ria provides employees the opportunity to apply for Group Accident Insurance through Guardian on an annual basis. Group Accident
         pays benefits to help you cover the unexpected costs associated with accidental death or injuries. Benefits are flat dollar payments and
         are not based on medical expenses incurred. You may also apply for coverage for your spouse/registered domestic partner and your
         dependent children.


         Employee contribution per pay date                              Voluntary Accident Insurance
          - Employee                                                               $4.23
          - Employee + spouse                                                      $7.39
          - Employee + child(ren)                                                  $9.06
          - Employee + family                                                     $12.22

         You can find further details on the plans when completing your enrollment.



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