Page 15 - 2019 Blacoh Benefit Guide Final 11/13/18

Disability Benefits

MetLife| Short Term and Long Term Disability
Blacoh Industries offers you Short Term (STD) & Long Term Disability (LTD) to provide income
replacement if you become disabled for an extended period of time, through MetLife. You are
eligible on the first of the month that follows or coincides with 90 consecutive days as a member.

If you are unable to work due to an illness or injury, our disability plans will work together to provide a source of income to
meet your needs. On the 8th day of your leave for sickness or injury, the Short Term Disability (STD) plan will pay a benefit
equal to 60% of your pre-disability earnings up to a maximum benefit of $2,500 per week. This benefit may continue for a
maximum of 12 weeks. If your disability continues beyond the STD benefit period, you may qualify for Long Term Disability
(LTD) benefits. In the event you become disabled for an extended period of time, LTD benefits will begin on the 91st day
following the start of your illness or injury. LTD provides a benefit equal to 60% of your pre-disability earnings up to a
maximum benefit of $12,763 per month.

Employer Paid STD in addition to California State Disability: If you experience a Short Term Disability claim, you are eligible
for benefits provided by the state. California State Disability Insurance (SDI) is a partial wage-replacement insurance plan for
California workers. The SDI program is state-mandated and funded through employee payroll deductions. SDI provides short
term benefits to eligible workers who suffer a loss of wages when they are unable to work due to a non-work related illness
or injury, pregnancy or childbirth. For more information on eligibility, benefit amounts and instructions on how to file a claim
for the SDI program, please visit the EDD website at www.edd.ca.gov.

Legal Benefits

MetLaw | Legal Plan
Group Legal Services are offered through Hyatt Legal Plans (a MetLife company). With this plan, employees have access to
unlimited telephonic and office consultations with attorneys on a variety of personal legal issues. You may use any licensed
attorney you wish for covered services upon receipt; however, your benefits are greater when you use network attorneys. In
most cases, there is no dollar limit on covered services received from network attorneys. Please refer to the 2019 Monthly
Rate Sheet. Covered services under this plan include:
• Debt collection and foreclosure defense • Refinancing & home equity loan of primary and vacation
• Identity theft defense home
• Personal bankruptcy • Adoptions
• Civil litigation defense • Defense of traffic tickets
• Sale or purchase of primary and vacation home • Preparation of wills, living wills, trusts

401(k) Profit Sharing

John Hancock | 401(k) Profit Sharing
You are encouraged to participate in Blacoh Industries 401(k) plan. This plan allows you to fund for your retirement with pre‐
tax dollars.

After 12 consecutive months of service, you can make "before tax" 401(k) contributions up to 100% of your compensation,
subject to the annual maximum amount allowed by law. The amount you can contribute to your 401(k) or similar workplace
retirement plan goes up from $18,500 in 2018 to $19,000 in 2019. Catch-up contribution limits if you're 50 or older in 2019 remain
unchanged at $6,000 for workplace plans and $1,000 for IRAs. Changes to your contribution amount can be made on January 1,
April 1, July 1 or October 1.You can also make "after tax" Roth 401(k) contributions. The combined total of your "before tax"
and "after tax" contributions cannot exceed the maximum above. Rollovers from other eligible plans are allowed at any time.

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