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Other
Benefit Summaries:
MEDICAL
DENTAL
VISION
LIFE
LTD
FLEX
Long Term Disability - Standard Insurance Company
October 1, 2003 - September 30, 2004 |
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The
following page(s) summarize the main features of your
Group Long Term Disability Insurance Plan.
Should you become insured, the Certificate of
Insurance you receive will contain more detailed
information. The controlling provisions of the
plan are in the master Group Insurance Policy, and
neither this material nor any Certificate, may modify
those provisions or the insurance in any way.
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Plan Number |
353414 |
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Class Description
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Active,
full-time employees
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Percentage Paid |
60% of
covered monthly earnings
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Monthly Benefit Maximum |
$10,000
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Elimination Period |
45 days
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Benefit Duration |
The
maximum benefit period is determined by your age at
disability as follows:
| Age Disabled |
Benefits
Payable - Elimination Period less than 180 days |
| Prior to Age 63 |
To Normal
Retirement Age or 48 months if greater |
| Age 63 |
To Normal
Retirement Age or 42 months if greater |
| Age 64 |
36 months |
| Age 65 |
30 months |
| Age 66 |
27 months |
| Age 67 |
24 months |
| Age 68 |
21 months |
| Age 69 and over
|
18 months |
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Own Occupation Period
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2 years |
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Pre-Existing Conditions |
None |
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Total Disability
Required? |
No |
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Waiver of Premium |
Yes |
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Survivor Benefit |
3 x
monthly LTD benefit
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Assisted Living Benefit |
Yes |
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Mental & Nervous
Disabilities |
24-month
limitation, unless confined
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