Page 16 - ABC - Tech BG_1A

Disability Insurance Plans 14

Short Term Disability Insurance

ABC Company provides Short Term Disability (STD) benefits through Reliance Standard Life. You are eligible
for STD benefits after seven days of absence for disabilities due to an illness or accident. Benefits begin
on the eighth day of disability and the plan pays a benefit amount up to 60% of your gross weekly salary
to a maximum of $2,500 per week. If you are eligible for income from other sources such as State
Disability Insurance (SDI), STD benefits are adjusted so the maximum benefit you receive does not
exceed 60% of your weekly salary.

Your benefits continue for a maximum of 12 weeks while you are disabled or until you qualify for Long
Term Disability benefits.

Long Term Disability Insurance
You are eligible for Long Term Disability (LTD) benefits through Reliance Standard Life after 90 days of
total disability. The plan pays 60% of your salary to a maximum monthly benefit of $15,000. If you are
eligible for income from other sources such as Social Security and/or Workers’ Compensation, LTD
benefits are adjusted so that the maximum monthly benefit you receive from all sources does not exceed
60% of pre-disability earnings.
If you are totally disabled before age 62, your benefits will continue to Social Security Normal Retirement
Age (SSNRA). If you are totally disabled after age 62, your benefits will continue through a specified
period based on your age at the time your disability begins.