Plan Features

¹The Age Discrimination Employment Act I and ADEA II schedules outline the length of time the benefit will continue if the insured becomes disabled after age 60. See next page for details.

If you are absent from work on the date your coverage would normally begin due to injury, sickness or temporary leave of absence, coverage for you and your eligible dependents will begin on the date you return to active employment.

»  Additional Benefits

Our goals are simple: protect your financial security during recovery, provide additional support if you become severely disabled and help get you back to work as quickly as possible. The following additional benefits are designed to meet these goals and enrich your benefits plan at no additional cost to you.

Disability Plus^®. You will receive an additional 20% benefit if you have lost the ability to perform two activities of everyday living or have a deterioration or loss of intellectual capacity and need another person’s assistance or verbal cuing for protection.

Survivor benefit. If you die after receiving benefits for 180 or more consecutive days, your survivor receives a lump sum payment of six times your last month’s gross disability benefit.

Rehabilitation and Return to Work Assistance. To encourage you to return to work as soon as you become physically able, individuals receive an additional 10% benefit up to $1,000 per month for participating in a rehabilitation program.

»  Important long-term disability terms

Benefit percentage. The percent used to determine the benefits payable. The benefit percentage is applied to reported covered salary to determine the benefit amount.

Two or three years own/any occupation (definition of a disability). For the first two or three years (as per plan benefits) of a disability, the employee is considered totally disabled if he or she is unable to perform the material duties of his or her regular occupation due to a covered injury or sickness. After two or three years (as per plan benefits), the employee is considered disabled if he or she is unable to perform the material duties of any gainful occupation for which he or she is reasonably fitted by education, training or experience.

Elimination period (waiting period). A period of consecutive days of disability for which no benefit is payable. The elimination period begins on the first day of disability.

Maximum benefit period (ADEA I). The length of time the benefit will continue if the insured becomes disabled after age 60. The maximum benefit period depends on employee’s age at the time disability begins. These schedules comply with Age Discrimination Employment Act (ADEA) guidelines.


                                                                             ADEA I

                                                          Age at                      Maximum Period
                                                          Disability                 of Payment           

Pre-existing condition limitation. A condition for which an employee received medical treatment, consultation, care or services including diagnostic measures, or took prescribed drugs or medicines for his or her condition during the three months just prior to or the three months just after the effective date of coverage or if disability begins in the first 12 months after your effective date of coverage, unless you have been treatment free for three months after the effective date.

Self-reported mental/nervous limitation. This condition is defined by symptoms that an employee reports to his or her physician but are not verifiable using tests, procedures or standard clinical examinations accepted in the practice of medicine. Examples of self-reported symptoms include, but are not limited to, headaches, pain, fatigue, stiffness and loss of energy. This limitation also applies to disabilities due to mental illness.

Social Security integration: Self. The gross disability payment will be reduced by the amount that an employee receives or is entitled to receive as Social Security disability payments.