Group Long Term Disability Insurance

Coverage

Disability income protection insurance provides a benefit for “long 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.

Eligibility

Each Active Full-Time Employee of a participating Employer working 30 or more hours per week and who elected a 90- Day, or 150-day Elimination Period, except any person working on a temporary or seasonal basis.

Benefit Amount

The monthly benefit is an amount equal to 60% of covered earnings, up to a maximum benefit of $6,000 per month.

Elimination Period

90-Day and 150-Day options of consecutive days of total disability

Maximum Benefit Duration

Benefits will not extend beyond the longer of: Social Security Normal Retirement Age or Duration of Benefits below:

AGE AT DISABLEMENT	DURATION OF BENEFITS
61 or less	to age 65
62	3 1/2 years
63	3-years
64	2 1/2 years
65	2-years
66	1 3/4 years
67	1 1/2 years
68	1 1/4 years
69 or more	1-year

Contribution Requirements

Employer and/or Employee Paid.

Features

Extended Disability Benefit
FMLA Continuation
Minimum Benefit Payable – $100
Own Occupation Coverage – 24 months
Residual and Partial Disability
Specific Indemnity Benefit
Survivor Benefit – 3 months
Work Incentive & Child Care provisions
Value-Added Services
Travel Assistance Service

Limitations

Mental/Nervous Illness Limitation – 24 Months out-patient
Offsets (such as, but not limited to, Social Security, Workers Compensation, State Disability Plans)
Pre-Existing Condition Limitation – 3/12
Substance Abuse Limitation – 24 Months

Please note- pre-ex limitations also apply to benefit increases

Exclusions

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; injury or sickness occurring while confined in any penal or correctional institution.

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-6564, et al.