Who is eligible for this insurance? You must be actively working (performing all normal duties of your job) at least 30 hours per week. How long will my benefits be paid? Benefits begin after the end of the elimination period and can be payable up to the maximum benefit period as long as you remain disabled. Will my benefits be reduced by other sources of income? Yes, depending on the type of income you receive. Your benefit amount may be reduced by other sources of income such as retirement/government plans, other group disability plans, paid family leave, salary continuance/sick leave, settlements on payments received and no-fault benefits. Does this plan cover me if I become disabled due to an injury at work? No, your STD insurance only provides benefits for off-the-job coverage for disabilities due to injury or sickness. Are there any limitations or exclusions? The benefits payable are subject to the following: · Your plan is subject to a pre-existing condition limitation. A pre-existing condition is one for which you have received medical treatment, consultation, care or services including diagnostic measures, or if you were prescribed or took prescription medications in the predetermined time frame prior to your effective date of coverage. The pre-existing condition under this plan is 3/6 which means any condition that you receive medical attention for in the 3 months prior to your effective date of coverage that results in a disability during the first 6 months of coverage, would not be covered. · Benefits are not payable for any disability or loss that: - Results from an act of declared or undeclared war or armed aggression - Results from participation in a riot or commission of or attempt to commit a felony - Results from elective or cosmetic surgery or procedure, or resulting complications, unless such surgery or procedure is medically necessary for the appropriate diagnosis and treatment of your injury or illness - Arises out of or in the course of employment with the policyholder for benefits under any workers’ compensation or occupational disease law, or receives any settlement from the workers’ compensation carrier - Results, whether the insured person is sane or insane, from an intentionally self-inflicted injury or illness, or attempted suicide - Occurs while incarcerated or imprisoned for any period exceeding 31 days - Is solely a result of a failed drug test - Is solely a result of a loss of a professional license, occupation license or certification All exclusions may not be applicable, or may be adjusted, as required by state regulations. Can I take this insurance with me if I change jobs/am no longer a member of this group? In the event this insurance ends due to a change in your employment/membership status with the group, or for certain other reasons, you have the right to port your coverage to a group trust plan, subject to certain conditions. This information describes some of the features of the benefits plan. Benefits may not be available in all states. Please refer to the certificate booklet for a full explanation of the plan’s benefits, exclusions, limitations and reductions. Should there be any discrepancy between the certificate booklet and this summary, the certificate booklet will prevail. Benefits availability is subject to final acceptance and approval of the group application by the underwriting company. Disability income insurance is underwritten by United of Omaha Life Insurance Company, 3300 Mutual of Omaha Plaza, Omaha, NE 68175, 1-800-769-7159. United of Omaha Life Insurance Company is licensed nationwide, except in New York. Policy form number G2018MP. VOLUNTARY SHORT-TERM DISABILITY INSURANCE