Short-Term Disability Insurance

Disability income protection insurance provides a benefit for “short term” disability resulting from a covered injury or sickness. Benefits begin at the end of the elimination period and continue while you are disabled up to the maximum benefit duration.

Each active, full-time employee working 30 or more hours per week.

You may elect a weekly benefit equal to 60% of your covered earnings, up to a maximum benefit of $1,500 per week.

Injury (accident) and Sickness (illness): benefits begin on the 8th day of disability

Benefits for one period of disability, will be paid up to a maximum of 12 weeks.

Coverage is 100% employee paid.

• Maternity covered as any other illness

• Non-occupational coverage

• Partial Disability benefit included

• Zero Day Residual included Definition

• Pre-Existing Condition Limitation - 3/12

Benefits will not be payable for any disability caused by: an intentionally self‐inflicted injury; an act of war (declared or undeclared); commission of a felony; sickness covered by workers’ compensation or other workers’ disability law; injury occurring out of or in the course of work for wage or profit.

For a comprehensive list of exclusions, limitations, and any applicable benefit offsets, please refer to the Certificate of Insurance. The Certificate also provides all requirements necessary to be eligible for coverage and benefits.

This Plan Highlights is a brief description of the key features of the RSL insurance plan. The availability of the benefits and features described may vary by state. It is not a certificate of insurance or evidence of coverage. Insurance is provided under group policy form LRS-6451, et al.

• Claim Form