Page 16 - United Capital EE Guide 2019-2020

DISABILITY INSURANCE

CIGNA | VOLUNTARY SHORT TERM DISABILITY (CALIFORNIA AND NEW JERSEY)
United Capital offers you the opportunity to purchase Short Term Disability (STD) to provide income replacement if you become
disabled due to accident, sickness or pregnancy, through Cigna. If you experience a temporary disability, benefits will begin
immediately after the start of an accident and 7 days after the start of a sickness or pregnancy and will continue up to a maximum
of 13 weeks. State disability plans provide a benefit set by the state. This plan pays in addition to any disability plans to provide an
additional 20% of your pre-disability earnings up to a maximum benefit of $1,000 per week. Pre-existing condition limitations apply.

CIGNA | VOLUNTARY SHORT TERM DISABILITY (ALL OTHER STATES)
United Capital offers you the opportunity to purchase Short Term Disability (STD) income replacement at discounted group rates,
through Cigna. If you experience a temporary disability, benefits will begin immediately after the start of an accident and 7 days
after the start of a sickness or pregnancy and will continue up to a maximum of 13 weeks. STD works with state disability programs,
Social Security, and any other group disability coverage, to provide you with a combined weekly benefit equal to 60% of your pre-
disability earnings up to a maximum benefit of $2,000 per week. Pre-existing condition limitations apply.

CIGNA | VOLUNTARY LONG TERM DISABILITY
United Capital offers you the opportunity to purchase Long Term Disability (LTD) income replacement at discounted group rates,
through Cigna. If you become totally and permanently disabled, benefits begin 3 months after the start of your illness or injury and
will continue as long as you remain disabled up to age 65 (see contract for limitations). LTD works with 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 to a maximum benefit of $15,000 per month. Pre-existing condition limitations apply.

16 UNITED CAPITAL 2019-2020