Page 16 - Rauxa EE Guide 04-18 CA

Disability Insurance

California State Disability

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.

Lincoln Financial Group | Voluntary Short Term Disability

Rauxa offers you the opportunity to purchase Voluntary Short Term Disability (STD) income replacement at discounted
group rates, through Lincoln Financial Group. If you experience a temporary disability, benefits begin 7 days after the
start of your disability and will continue up to a maximum of 13 weeks. California State Disability provides a benefit of
55% of your pre-disability earnings up to a maximum benefit set by the state of California. This plan pays in addition to
California State Disability an additional 25% of your pre-disability earnings up to a maximum benefit of $1,500 per week.

Lincoln Financial Group | Long Term Disability

Rauxa offers you Long Term Disability (LTD) to provide income replacement if you become disabled for an extended
period of time, through Lincoln Financial Group. If you become totally and permanently disabled, benefits begin 90
days after the start of your illness or injury and will continue as long as you remain disabled up to the later of age 65 or
Social Security Normal Retirement Age. LTD works with state disability programs, Social Security, and any other group
disability coverage, to provide you with a combined monthly benefit equal to 50% of your pre-disability earnings up to
a maximum benefit of $6,000 per month.

16