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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 Extended Critical Illness Bank (ECIB) is self-insured by the Company and the short term disability and long term disability plans are insured by Sun Life.

Your Cost

You pay the entire cost of the STD plan and the Company pays the entire cost of the LTD plan. Refer to Employee Contributions for the applicable cost.

Disability Program Key Features

The following table summarizes the key features of the plans.

Disability Plans (Sun Life)
Plan	Benefit Percentage	Benefit Begins	Maximum Benefit
Extended Critical Illness Bank	100% of pay	8th day of disability	Up to 280 hours**
Short Term Disability		1st day of accident or 8th day of sickness*	$1,250/week (up to 13 weeks)
Option 1	50% of pay
Option 2	60% of pay		$1,500/week (up to 13 weeks)
Long Term Disability	60% of pay	91st day of disability	$10,000/month
* Benefits begin after any PTO or Extended Critical Illness (ECIB) benefits have been paid.
** You accrue 24 hours of ECIB each January 1 until you reach your maximum bank balance of 280 hours. Time used subtracts from your bank balance.
This summary is provided for general information only. It does not provide coverage details, exclusions or limitations (e.g., preexisting condition limitation). Refer to the plan documents available on the HR/Benefits website for complete plan provisions, exclusions and limitations.

 

Extended Critical Illness Bank (ECIB)

You are automatically enrolled in ECIB on the first day of the month following 30 days of employment. ECIB benefits begin on the 8th day of illness or injury and equal 100% of base pay.

You are provided with 24 hours of ECIB on January 1 of each year, if you are employed on the previous December 31.

ECIB hours accumulate and are posted to your account each January 1 until your bank reaches a maximum of 280 hours. Once your bank reaches 280 hours, you are not eligible to earn additional hours until your balance falls below 280 hours.

When your employment terminates ECIB benefits are forfeited and will not be paid out to you.

Short Term Disability (STD)

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 or increase to the higher option 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, as determined by the insurance company. STD benefits pay up to 50% (under Option 1) and 60% (under Option 2). Option 1 has a maximum benefit of $1,250 per week and Option 2 has a maximum benefit of $1,500 per week.

Generally, STD benefits continue for up to 13 weeks as long as you remain disabled.

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 60% of your pay to a maximum of $10,000 per month.

Generally, LTD benefits continue as long as you remain totally disabled, up to age 65 (longer if your disability begins at age 62 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.

Your Cost

You pay the entire cost of the STD plan and the Company pays the entire cost of the LTD plan. Refer to Employee Contributions for the applicable cost.