Page 17 - Kate Somerville Benefits Guide 2020 CA FINAL

Disability

LONG TERM DISABILITY
Kate Somerville offers all employees two options when selecting their Long Term Disability coverage. You may elect to have Kate
Somerville cover the cost of your premium resulting in a taxable benefit at point of claim or you may elect to have the premium
deducted from your payroll resulting in a tax-free benefit at point of claim.

This coverage provides financial assistance if you are unable to work for an extended period of time due to an illness or injury.

Long Term Disability
Employee
Coverage Option 60% of monthly salary
Maximum Amount $14,000
Less Any Amount Payable by Social Security Income (SSI) and State Disability
Elimination Period 90 Days
Benefit Duration SSNRA– Social Security
Normal Retirement Age
Pre-existing Conditions 3 month look back; 12 month exclusion of pre-existing condition found during
the 3 month look back

Employee Assistance Program (EAP)

GUIDANCE RESOURCES | EMPLOYEE ASSISTANCE PROGRAM
This coverage is provided by Kate Somerville at no cost to you. The Employee Assistance Program (EAP) provides you and your
household members with free, confidential assistance to help with problems that may interfere with work or family
responsibilities.

EAP SERVICES

• 24/7 phone consultations with licensed mental health professionals and referrals to supportive resources.
• You may be eligible for up to three sessions in six months of in-person help with short-term issues for California
residents.
• Online programs to offer something different that traditional counseling.
• Access to quick and confidential help from legal and financial experts.

THE EAP CAN HELP WITH THE FOLLOWING ISSUES:

• Stress, Anxiety or Depression
• Relationship Issues
• Grief and Loss
• Legal Assistance
• Financial Services and Referrals
• Childcare Resources and Referrals
• Senior Care
• Pet Care
• Identity Theft ACCESSING EAP:
• and More!
Call (888) 628-4824 and speak with an advisor.
Visit www.guidanceresources.com (Log in user name:
LFGsupport and password: LFGsupport1)

KATE SOMERVILLE EMPLOYEE BENEFITS 17