Page 13 - FINAL Crane Country Day School 2017-18 Benefits Guide

Disability Insurance 13

Anthem | Short Term Disability
Crane Country Day School offers you Short Term Disability (STD) to provide income replacement if you become
disabled due to accident, sickness or pregnancy, through Anthem. If you experience a temporary disability,
benefits begin 15 days after the start of your disability and will continue up to a maximum of 18 weeks. STD
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 up to a maximum benefit of
$1,385 per week.

Anthem | Long Term Disability

Crane Country Day School offers you Long Term Disability (LTD) to provide income replacement if you become
disabled for an extended period of time, through Anthem. If you become totally and permanently disabled,
benefits begin 120 days after the start of your illness or injury and will continue as long as you remain disabled
up to 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 60% of your pre-
disability earnings up to a maximum benefit of $6,000 per month.

Anthem | Resource Advisor
Support for employees, family members and beneficiaries at no additional cost to them:
 24/7 access to telephone counseling services for employees and their families.
 Employees can receive unlimited legal and financial consultations.
 Employees can receive up to 3 face-to-face counseling sessions.
 Identity theft victim recovery services for employees and their families.
 Online resources for employees and their families on work/life topics like: daycare finder, child
development, elder care resources, wellness and mental health topics, will preparation and legal library.
 Beneficiary support programs including:
 Beneficiaries continue to have access to Resource Advisor services, including online access and 24/7
telephone counseling, plus they get three face-to-face visits with a counselor in the first six months after
their loss.
 Beneficiary Companion services help them close accounts and settle important estate matters with one
phone call. That way, they can focus on healing.
 Beneficiaries can order copies of The Healing Book - Facing the Death - and Celebrating the Life - of
Someone You Love for children affected by the loss. This book can really help children at a time when they
need it most - and there's no charge for it.
 Beneficiaries can choose to have their life insurance benefits paid through our Access Advantage account.
That way the funds can be used right away or when they are needed. Access Advantage accounts earn
interest, so important investment decisions can be made later, at a less stressful time.

Anthem | Travel Assistance
Provides members support while traveling, including: emergency medical services, language assistance, legal
assistance and much more. Travel services and pre-departure services are also included.