Page 14 - First Presbyterian Church Benefit Guide

Disability

If you are unable to work due to an illness or injury, disability insurance provides benefits that replace part of your
lost income when you become unable to work due to a covered injury or illness.

California State Disability (SDI)
If you experience a Short Term Disability claim, you are eligible for benefits provided by the state. California State
Disability Insurance (SDI) is a partial wage-replacement insurance plan for California workers. The SDI program is
state-mandated and funded through employee payroll deductions. SDI provides short term benefits to eligible
workers who suffer a loss of wages when they are unable to work due to a non-work-related illness or injury,
pregnancy, or childbirth. For more information on eligibility, benefit amounts, and instructions on how to file a
claim for the SDI program please visit the EDD website at www.edd.ca.gov.

MetLife | Long Term Disability Long Term Disability Benefit
This coverage is provided by FCPH at no cost to you Benefit Percentage 60%
FCPH offers you Long Term Disability (LTD) to provide
income replacement if you become disabled for an Monthly Benefit Maximum $3,500
extended period of time.NG TERM DISABILITY When Benefit Begin 91st Day
BENEFIT
To Social Security Normal
Maximum Benefit Duration
Retirement Age

Supplemental Benefits

You may purchase additional insurance from Principal that will help to cover additional out-of-pocket expenses.
These policies offer direct-to-the-policyholder cash payouts to help cover what other insurance doesn’t. The policies
available include Accident and Critical Illness with Cancer. Your premiums are paid through payroll deductions on an
after-tax basis. These Principal policies are portable, which means that you can keep them should you change jobs or
retire, with no increase in premiums.

Principal | Accident Principal | Critical Illness and Cancer
Principal Accident insurance will pay you a benefit to Principal Critical Illness insurance can help you protect
help cover your out-of-pocket medical costs in case of an yourself and your family from the unexpected cost of
off-the-job accident. For covered accidental injuries, fighting a life-threatening illness. You’ll receive a lump-
fixed benefits are paid directly to you, regardless of any sum cash payment upon diagnosis of a covered condition
other coverage. Benefits are paid according to a fixed such as heart attack, stroke, kidney failure and cancer.
schedule that includes benefits for hospitalization,
fractures and dislocations, emergency room visits, major Guarantee issue (no medical questions) for up to $10,000
diagnostic exams, physical therapy, and more. This plan for employee, and $5,000 for spouse and $2,500 for
is guarantee issue (no medical questions) and does not children during the initial eligibility window.
have any pre-existing condition limitations.

Annual wellness benefit of $100 for completing Annual wellness benefit of $50 for completing certain
certain screenings. screenings.

14 Employee Benefits