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2018 Benefits Guide

Disability

The disability plans offered by the Company are designed to replace a portion of your income if you are unable to work due to an accident or illness. These plans cover you continuously with both short term and long term benefits for qualifying disabilities. These coverages also provide the vital support, services and assistance you need to get back to work and to an independent lifestyle.

The short term disability and long term disability plans are insured by Sun Life.

Your Cost

Staff – You pay the entire cost of the STD plan and your employer pays the entire cost of the LTD plan.

Refer to Employee Contributions for the applicable cost.

Providers – Your employer pays the entire cost of the STD plan and LTD plan.

Disability Program Key Features

The following table summarizes the key features of the plans.

Plan	Benefit Percentage	Benefit Begins	Maximum Benefit
Short Term Disability
Staff	20% of pay	1st day of accident or 8th day of sickness	$1,000/week (up to 13 weeks)
Providers	60% of  pay	31st day of absence	$2,500 per week (up to 9 weeks)
Long Term Disability
Staff	60% of pay	91st day of disability	$10,000/month
Providers	60% of pay		$25,000 per month
This summary is provided for general information only. Refer to the specific plan documents available on this website for detailed information and complete plan provisions, exclusions and limitations.

Short Term Disability (STD)

Staff - If you enroll for coverage and your enrollment is received within your initial eligibility period, your coverage will be effective on the first of the month following 30 days of employment.

Once your initial eligibility period has passed, you may only enroll or change benefit plan options during the next Annual Enrollment period. You should also keep in mind that if you enroll after your initial enrollment period, you will be required to provide evidence of insurability satisfactory to the insurance company before the coverage will become effective.

STD benefits generally begin the first day of an accident or eighth day of sickness if you are unable to perform all of the material and substantial duties of your own occupation and as long as you are not engaged in any occupation for wage or profit, as determined by the insurance company. STD benefits will not be reduced by any other benefits you may be eligible for such as state disability benefits (e.g. California). STD benefits pay up to 20% of pay to a maximum of $1,000 per week.

STD benefits continue for up to 13 weeks as long as you remain disabled, as determined by the insurance company.

Providers - You are automatically enrolled for STD insurance on the first day of the month following 30 days of employment.

STD benefits generally begin the 31st day of an absence if you are unable to perform all of the material and substantial duties of your own occupation and as  long as you are not engaged in any occupation for wage or profit, as determined by the insurance company. Provider STD benefits will be reduced by any other benefits you may be eligible for such as state disability benefits (e.g., California). STD benefits pay up to 60% of pay to a maximum of $2,500 per week.

STD benefits continue for up to 9 weeks as long as you remain disabled, as determined by the insurance company.

Long Term Disability (LTD)

You are automatically enrolled for LTD insurance on the first day of the month following 30 days of employment. LTD benefits begin after you have been disabled for 90 days, as determined by the insurance company. LTD benefits pay up to:

• Staff: 60% of your pay to a maximum of $10,000 per month
• Providers: 60% of your pay to a maximum of $25,000 per month

LTD benefits continue as long as you remain totally disabled, up to age 65 (longer if your disability begins at age 60 or later). LTD benefits will be reduced by any other benefits you may be eligible to receive such as state disability benefits, workers’ compensation or Social Security disability benefits.