Page 15 - Murad Benefits Guide 2020 NonCA

Disability
LONG TERM DISABILITY
Murad offers all employees two options when selecting their Long Term Disability coverage. You may elect to have Murad cover the
cost of your premium resulting in a taxable benefit at point of claim or you may elect to have the premium deducted from your
payroll resulting in a tax-free benefit at point of claim.

This coverage provides financial assistance if you are unable to work for an extended period of time due to an illness or injury.

Long Term Disability
Employee
Coverage Option 60% of monthly salary
Maximum Amount $14,000
Less Any Amount Payable by Social Security Income (SSI) and State Disability
Elimination Period 90 Days
Benefit Duration SSNRA– Social Security
Normal Retirement Age
Pre-existing Conditions 3 month look back; 12 month exclusion of pre-existing condition found during
the 3 month look back

SHORT TERM DISABILITY
If you are unable to work for a short period of time (12 weeks or less) because of an illness of injury, Short Term Disability (STD)
benefits may replace a percentage of your pay. We offer employees Short-Term Disability coverage which is administered by Lin-
coln Financial.
Short Term Disability
Employee
Coverage Option 60% of monthly salary
Maximum Amount $1,500
Waiting Period 7 days
Benefit Duration 12 weeks

Employee Assistance Program (EAP)

GUIDANCE RESOURCES | EMPLOYEE ASSISTANCE PROGRAM
This coverage is provided by Murad at no cost to you. The Employee Assistance Program (EAP) provides you and your household
members with free, confidential assistance to help with problems that may interfere with work or family responsibilities.

EAP SERVICES
• 24/7 phone consultations with licensed mental health professionals and referrals to supportive resources.
• For Non-California residents, you are eligible for up to four in-person sessions per person, per issue, per year.
• Online programs to offer something different that traditional counseling.
• Access to quick and confidential help from legal and financial experts.
THE EAP CAN HELP WITH THE FOLLOWING ISSUES:

• Stress, Anxiety or Depres- • Senior Care
sion • Pet Care ACCESSING EAP:
• Relationship Issues • Identity Theft
• Grief and Loss • and More! Call (888) 628-4824 and speak with an advisor.
• Legal Assistance Visit www.guidanceresources.com (Log in user
• Financial Services and name: LFGsupport and password: LFGsupport1)
Referrals
• Childcare Resources and Referrals
MURAD EMPLOYEE BENEFITS 15