Group long-term disability income policies, insured by Symetra Life Insurance Company, 777 108th Avenue NE, Suite 1200, Bellevue, WA 98004, are not available in any U.S. territory. Base certificate form number is GDC-4500 12/05. Coverage may be subject to exclusions, limitations, reductions and termination of benefit provisions. For costs and complete details of the coverage, contact your benefits representative. Symetra Life Insurance Company 777 108th Avenue NE, Suite 1200 Bellevue, WA 98004-5135 www.symetra.com Symetra® is a registered service mark of Symetra Life Insurance Company. Frequently asked questions What if I have other sources of income? Symetra will require documentation related to any other income sources you may have. Please have this information available and be ready to discuss it with your case manager, if necessary. What happens after I submit my disability claim? Symetra will contact your employer to confirm information regarding your employment. We’ll schedule an initial interview with you to discuss your claim, and we may request additional medical, occupational and/or financial information. After this call, we’ll let you know about any outstanding issues and will make periodic contact with you and other sources for updates. How often will I receive benefits? If you qualify, long-term disability benefits will begin after you have satisfied the elimination period. Will I receive claim status notifications? Your case manager will call to let you know your claim status the day the approval/denial decision is made. A claim approval or denial letter will be mailed to you at the address you provide. A claim status update will also be sent via email to your employer. We don’t share any personal medical information with your employer without your specific authorization. What if my claim is denied? If your claim is denied, you’ll receive an explanation letter along with instructions for filing an appeal if you disagree with our decision. Once an appeal letter is received, the claim will be reassigned to an appeals specialist for review. What happens when I’m ready to return to work? Please notify Symetra as soon as possible. Your case manager will ask for a release form signed and dated by your attending physician with any restrictions and limitations noted. Once this is received, we’ll contact your employer to confirm a return-to-work date. What if I’m on disability, but can return to work part time? Symetra will work with you and your employer to develop a rehabilitation plan that focuses on your current abilities and expected recovery. If accommodations can be made, a plan will be developed to allow you to return to work. This coordinated effort can help you get back to work and, in certain circumstances, grant you a financial benefit while you gradually increase your work capacity. Note: If you receive a work release from your physician, notify us immediately to help prevent your claim from being overpaid. To check on the status of your claim: Contact Symetra at 1-877-377-6773, or access your account online at www.symetra.com/myGO and: 1. Register as a new user. After you’ve been contacted by Symetra, complete the New User Registration steps on the main page. 2. Log in to your account. Once you’ve registered, you can log in to your account to view/search for your claim, download forms and more.