Page 32 - 2020 Benefits Guide

Short Term Disability

The Short-Term Disability (STD) Plan is a voluntary, self-insured plan you can elect
to provide income protection for non-work related illness or injury. The plan is designed
to provide income protection for disability absences greater than 14 days, but no longer
than 13 weeks in duration. You pay the full cost for coverage and you must enroll in the
plan to receive the benefit.

Benefits are payable for non-work related illness or injury after 14 consecutive days of
disability. If your absence is expected to be 14 days or less, you will not have a benefit
payable under this plan. The plan begins payments on the 15th day following your date
of disability. The plan will pay you 70 percent of your base rate of pay for up to 11 weeks,
as long as your disability is properly substantiated by your treating physician.

Once Sun Life has approved your claim, they will notify you and the Company. Your STD
benefit will be paid to you by the Company on the next scheduled payroll run. Your usual
deductions will be withheld from your STD benefit payment.

If you do not enroll in the STD plan when you are first eligible, you may enroll during the next
annual enrollment. Evidence of Insurability (EOI) is not required to enroll in the STD plan.

Plan Features Short Term Disability Long Term Disability (see p 33)
70% of base wage—no 60% of base wage, limited to
Plan Pays
limit $10,000/month
On 15th day of On 91st day of disability
Benefit Payment Starts
disability
11 weeks from benefit To Social Security Normal
Maximum Benefit payment start Retirement Age, depending on
Period
age at disability
100% Employee Paid Shared:
Who Pays for 58% Paid by Employee
Coverage
42% Paid by Employer
Cost of Coverage $.42 per $100 $.255 per $100
Not required No, when first eligible; yes, as a
Proof of Good Health
late enrollee
Pre-Existing Condition No Yes, if enrolling as a late enrollee
Exclusion

Note: This plan will offset against any benefits received under state-mandated disability.
Employees in the states of California, New Jersey, and New York (at the time of this publication)
may be impacted.

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