Page 17 - Ria Benefits Guide 2020 FINAL Mid-Atlantic

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

Elimination period 90 days
Short-Term Disability Employee Coverage
Benefit duration Age 67/ADEA
Coverage amount 60% of salary Pre-existing condition 3 moths treatment free; or
Max weekly benefit $500 12 months on the plan

Accident benefits begin Day 7 Mental nervous/substance use 2 years
Illness benefits begin Day 7 Survivor benefit 3 months

Max benefit duration 26 weeks Integration Full family
Rehabilitation benefit Enhance rehabilitation
Pre-existing condition Not applicable

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 17