Long Term Disability Insurance What Your Bene昀椀t Provides Employer-paid insurance provided Employee-paid insurance you can This is the amount per month you would by your employer at no cost to you change or opt out receive if you were to experience a qualifying disability. Eligible earnings 60% of the 昀椀rst $400 of your 60% of the 昀椀rst $16,667 of your are your monthly insured predisability predisability earnings, up to a predisability earnings, up to a earnings, as de昀椀ned by the group policy. maximum bene昀椀t payment of $240 maximum bene昀椀t payment of $10,000 Your monthly bene昀椀t will be reduced per month. per month. by deductible income. Please see the Important Details section for a list of Plan minimum per month: $100 Plan minimum per month: $100 deductible income sources. or 10% of the disability insurance or 10% of the disability insurance bene昀椀t, whichever is greater. bene昀椀t, whichever is greater. You will be automatically enrolled for the 60% plan. Premiums will be deducted OR from your earnings. At any time, you may elect to not participate by declining 50% of the 昀椀rst $16,667 of your insurance under the 60% plan. predisability earnings, up to a maximum bene昀椀t payment of $8,333 If you decline insurance under the 60% per month. plan, you may instead be insured under the 50% plan. The 50% plan requires premium Plan minimum per month: $100 contributions from you. or 10% of the disability insurance bene昀椀t, whichever is greater. If you also decline insurance under the 50% plan, you will automatically be insured for employer-paid insurance. Your employer will pay premium for employer-paid insurance. When Your Bene昀椀ts Begin Your bene昀椀t waiting period under all Long Term Disability insurance plans is the If you experience a qualifying disability, longest of the following: your bene昀椀t waiting period is the length of time you must be continuously a) 90 days disabled before you can begin receiving b) The entire period of sick leave (excluding shared leave) for which you are your monthly bene昀椀t. eligible c) The Fractionated Period of Paid Time Off (PTO) for which you are eligible, if your employer has a PTO plan, as those terms are de昀椀ned in the policy d) The entire period of other non-vacation salaried continuation leave for which you are eligible e) The end of Washington Paid Family and Medical Leave Law for which you are receiving bene昀椀ts How Long Your Bene昀椀ts Last Depending on your age at the time of disability, your bene昀椀ts are subject to the This is the maximum length of time you maximum bene昀椀t period. Refer to the table in the Important Details section. could be eligible to receive disability bene昀椀ts for a continuous disability. See the Important Details section for more information, including requirements, exclusions, limitations and de昀椀nitions. The Standard 2 Group Buy-Up Long Term Disability Insurance