Benefit Highlights

The following benefits are standard with our STD and LTD plans:

Pre-Existing Limited Benefit – STD

Our STD plan provides a limited benefit for a disability from a pre-existing condition that occurs during the first six months of coverage.

It pays a limited benefit equal to the lesser of 50% of the weekly benefit, or $50 per week for a maximum of 5 weeks.

Pre-Existing Limited Benefit – LTD

Our LTD plan provides a limited benefit for a disability from a pre-existing condition that occurs within the first 12 months of coverage.

It pays 30% of basic monthly earnings, to a maximum of $3,000 per month, less other income benefits for up to 12 months.

Rehabilitation Benefit

Our Rehabilitation Benefit provides services to assist an employee with returning to active full-time or part-time employment. Available services include:

• Vocational testing and training
• Job modifications
• Job placement
• Other services as recommended to help the employee return to active full-time or part-time employment

Return-To-Work Incentive

Our STD and LTD plans include an incentive for the insured to return-to-work while disabled.

For the entire STD benefit period and for the first 12 months of LTD benefits, there is no offset for other income amounts, including work earnings, until the sum of the other income, work earnings, and the insured's gross benefit exceeds 100% of the insured's
pre-disability earnings.

Workplace Modification Benefit

This provision provides a benefit to the employer to facilitate the
employee's return-to-work.

The benefit is payable to the employer for up to 100% of reasonable
costs the employer incurs to accommodate a return-to-work, or to assist
the insured with remaining at work. The standard maximum benefit is $2,000.