Page 15 - Ria Benefits Guide 2020 FINAL National

Income Protection

UNUM | SHORT-TERM DISABILITY UNUM | LONG-TERM DISABILITY
Ria provides employees short-term disability benefits (STD). If Ria provides eligible employees the opportunity to purchase
you experience a short term (less than 26 weeks) disability, this Long-Term Disability (LTD) benefits through Unum on a
plan will provide continued compensation paid on a weekly voluntary basis. If you experience a disabling condition, LTD
basis. benefits provide continued compensation paid on a monthly
The Unum STD plan is available to employees in all locations basis.
except where state mandated coverage is available. States with
mandated disability coverage include: California, Hawaii, New
Jersey, New York, Puerto Rico, and Rhode Island..
Long-Term Disability Employee Coverage
Monthly benefit 60% of salary up to
$5,000
Short-Term Disability Employee Coverage
Elimination period 90 days
Coverage amount 60% of salary Benefit duration Age 67/ADEA
Max weekly benefit $500 Pre-existing condition 3 moths treatment free;
Accident benefits begin Day 7 or 12 months on the plan
Illness benefits begin Day 7 Mental nervous/substance use 2 years

Max benefit duration 26 weeks
Survivor benefit 3 months
Pre-existing condition Not applicable 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.

RIA EMPLOYEE BENEFITS 2020 15