Page 22 - GESMN 2019 Benefits Enrollment Guide

Disability

GESMN provides, at no cost to you, both short-term disability coverage
(STD) and long-term disability coverage (LTD). These plans are automatic
enrollment for eligible employees working 30+ hours per week. These plans are
designed to work together to give you the assurance of a continuing income if
you are unable work due to sickness or injury. The Standard will continue to
administer the disability plans in 2019. If you file a claim for either STD or LTD
benefits and are approved, taxes will be withheld from your benefit payment.

Short Term Disability (STD)
Our company paid policy provides you with a percentage of your weekly
income while you are out of work following a non-work-related accident or

illness.

STD Benefits At-a-Glance
The Standard
Benefit Amount 60% of your salary up to a maximum of $2,500 per week

Waiting Period 7 days for sickness and accident
Duration up to 13 weeks

Long Term Disability (LTD)

LTD protects your family by providing you with a percentage of your income while
you are disabled for a longer period than STD would otherwise cover. If you remain
disabled after STD benefits have ended, you may be eligible for LTD plan benefits.
Included below are a few benefit highlights.

LTD Benefits At-a-Glance
The Standard
Benefit Amount 60% of your pre-disability earnings up to $10,000 maximum per month
(minimum of $100 or 10% of benefit, whichever is greater)
Elimination Period 13 weeks
Duration Up to age 65 or Social Security Normal Retirement Age if you continue to be
deemed disabled according to the plan requirements

For more details, definitions and exclusions, refer to the plan
documents.

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