Page 17 - Ria Benefits Guide 2020 FINAL CA
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Income Protection


         UNUM | LONG-TERM DISABILITY
         Ria provides eligible employees the opportunity to purchase Long-Term Disability (LTD) benefits through Unum on a voluntary basis. If
         you experience a disabling condition, LTD benefits provide continued compensation paid on a monthly basis.







                                      Long-Term Disability                                   Employee Coverage
         Monthly benefit                                                                    60% of salary up to $5,000
         Elimination period                                                                        90 days
         Benefit duration                                                                        Age 67/ADEA
         Pre-existing condition                                                            3 months treatment free; or 12
                                                                                               months on the plan
         Mental nervous/substance use                                                               2 years


         Survivor benefit                                                                          3 months
         Integration                                                                               Full family
         Rehabilitation benefit                                                               Enhance rehabilitation




         Voluntary Worksite Benefits


         GUARDIAN | VOLUNTARY CRITICAL ILLNESS
         You have the opportunity to apply for Critical Illness Insurance on an annual basis, a limited benefit policy offered through Guardian.
         This insurance is designed to help you offset the costs of certain covered critical illnesses such as stroke, permanent paralysis, heart
         attack, end-stage renal disease, and cancer. When diagnosed with a covered condition, you will receive a lump-sum benefit that you
         can use for expenses such as deductibles, copays, transportation, and so on.  Cost per pay period is age banded and will vary. Child
         cost is included with employee election.

         GUARDIAN | VOLUNTARY ACCIDENT
         Ria provides employees the opportunity to apply for Group Accident Insurance through Guardian on an annual basis. Group Accident
         pays benefits to help you cover the unexpected costs associated with accidental death or injuries. Benefits are flat dollar payments and
         are not based on medical expenses incurred. You may also apply for coverage for your spouse/registered domestic partner and your
         dependent children.

         Employee contribution per pay date                               Voluntary Accident Insurance
          - Employee                                                               $4.23
          - Employee + spouse                                                      $7.39
          - Employee + child(ren)                                                  $9.06
          - Employee + family                                                      $12.22


         You can find further details on the plans when completing your enrollment.








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