Plan highlights

EMPLOYER-PAID & EMPLOYEE-PAID LONG TERM DISABILITY INSURANCE Protect your income while coping with a long-lasting disability. Your employer provides up to $240 per month of disability insurance for all eligible subscribers. Employee-paid disability insurance helps replace more of your income than employer-paid disability insurance alone. When you become eligible for bene昀椀ts, you are automatically enrolled in employee- paid disability insurance at the 60% income replacement level. You may choose to enroll at the 50% income replacement level or opt out of employee-paid disability coverage at any time. Evidence of Insurability is required at any coverage level to reenroll after declining employee-paid coverage or reducing your coverage level. Long Term Long Term Disability You can get help Disability insurance can help pay the returning to work when Insurance bills if you become disabled and you’re ready. This Long can’t work for an extended period. Term Disability insurance coverage helps protect That could be a few months or includes incentives and assistance your income if several years. This coverage helps to help you get back to work. The replace part of your paycheck. That Standard may also help pay the you can’t work can help you protect your lifestyle costs of modifying your workplace and don’t get and savings. to accommodate your needs. your regular paycheck. Long-term disabilities can be caused by accidents but also by illnesses such as cancer and heart diseases. How many paychecks could you afford to miss? Long Term Disability insurance can help you maintain your lifestyle and pay for things like: Housing Groceries Car Insurance College Tuition Costs The Standard 1 Group Buy-Up Long Term Disability Insurance