91¶ÌÊÓƵ

Long-Term Disability

Long-Term Disability Insurance

If you’re unable to work because of a covered disability, long-term disability (LTD) insurance replaces a portion of your income. 91¶ÌÊÓƵ has contracted with Sun Life Financial to provide long-term disability insurance to its employees.

After your claim is approved, you will receive a monthly check for your benefits that helps you pay everyday expenses like your mortgage or rent, childcare and groceries.

If you are able, Sun Life has benefits and services, including guidance from vocational rehabilitation counselors, to help you return to work.

This benefit is completely paid for by your employer.

---

The group policy number is 939764.

---

Benefits

• Monthly benefit after your claim is approved:

  You will receive a monthly check for your benefits, replacing 70% of your total monthly earnings, up to $15,000 each month.

• When benefits begin:

  Benefits begin as soon as 90 days from the date of your disability.

• Benefits may be paid for:

  Up to your Social Security Normal Retirement Age or longer, depending on your age at disability.

• Additional plan information:

  This plan provides a benefit for covered disabilities resulting from illness or injury that occur on or off the job.

Qualifying

You’ll start receiving disability payments if you satisfy the Elimination Period, the length of time between the onset of the covered disability and the first payment, and meet the policy’s definition of disability. Generally, disability is defined as your inability to perform some or all of your job duties due to your injury, illness or pregnancy and may require that you have also had a certain percentage of earnings loss due to your disability. Please see your certificate, the legal document outlining terms, coverage and more, for details.

FAQ

• What if I have a preexisting condition?

  If you become disabled within 12 months of your insurance taking effect or 12 months following any increase in your amount of insurance, we will not pay any benefit for any preexisting condition. A preexisting condition includes anything you have sought treatment for in the three months prior to your insurance becoming effective. Treatment can include consultation, advice, care, services or a prescription for drugs or medicine.

• Can I work while I’m disabled?

  Your plan is designed to encourage and support your return to work. If you are able to work part time, for example, you may receive part of your benefit while working.

• Will income from other sources affect my benefit?

  Your benefit may be reduced by Social Security benefits; disability benefits from retirement, government plans or state disability income; other group disability plans; no-fault benefits, salary continuance or sick leave; and return-to-work earnings. For more information, contact your benefits administrator.

• How is my benefit taxed?

  If you or your employer pays for all or part of the cost of coverage on a pre-tax basis, all or part of your benefit amount will be Form W2 taxable income. In these situations, FICA tax deductions may reduce the amount we will pay you.

• Where is all the fine print?

  The following coverage(s) do not constitute comprehensive health insurance (often referred to as “major medical coverage”). They do NOT provide basic hospital, basic medical or major medical insurance. To become insured, you must meet the eligibility requirements set forth by your employer. Your coverage effective date will be determined by the policy and may be delayed if you are not actively at work on the date your coverage would otherwise go into effect. Refer to the certificate for details. Limitations and exclusions The below exclusions and limitations may vary by state law and regulations. This list may not be comprehensive. Please see the certificate or ask your benefits administrator for details.
  
  We will not pay a benefit that is caused by, contributed to in any way or resulting from intentionally self-inflicted injuries, committing or attempting to commit an assault, felony or other criminal act, war or an act of war, active participation in a riot, rebellion or insurrection, or operation of a motorized vehicle while intoxicated. We will not pay a benefit if you do not submit proof of your loss as required by us (this covers medical examination, continuing care, death certificate, medical records, etc.); or for any period of disability during which you are incarcerated. Disability benefits may be limited for certain conditions.
  
  This Overview is preliminary to the issuance of the policy. Refer to your certificate for details. Receipt of this overview does not constitute approval of coverage under the policy. In the event of a discrepancy between this overview, the certificate and the policy, the terms of the policy will govern. Product offerings may not be available in all states and may vary depending on state laws and regulations.

Source: Sun Life