Long-Term Disability Income Insurance Short-Term Disability Income Insurance Benefits Are Payable Plan I - Up to 90 days for a covered Injury or Sickness. Plan II - Up to 150 days for a covered Injury or Sickness. • Salary Protection for You and Your Loved Ones Provides a steady benefit to cover expenses while you are unable to work. The plan makes it easy to help protect your future income in case of a sudden injury or sickness. The plan pays a percentage of your gross monthly income once you have satisfied the elimination period. • Benefit Payments Made Directly to You Your monthly benefit payments may be deposited directly into your bank account. This gives you the freedom to pay your living expenses and make other purchases as you see fit. Choose the Right Plan for You Benefits Begin Plan I - On the 31st day of Disability due to a covered Injury or Sickness. Injury means physical harm or damage to the body you sustained which results directly from an accidental bodily injury, is independent of disease or bodily infirmity; and takes place while your coverage is in force. Sickness means a disease or illness (including pregnancy). Disability must begin while your coverage is in force. Hospital- the term “Hospital” shall not include an institution used by you as a place for rehabilitation; a place for rest or for the aged; a nursing or convalescent home; a long-term nursing unit or geriatrics ward; or an extended care facility for the care of convalescent, rehabilitative, or ambulatory patients. Disability income insurance is here for you. If you reside in a state other than your employer’s state of domicile, where required by law, policy provisions and benefits may vary. 77% In 2015, 77% of injuries requiring medical attention suffered by workers occured off the job. National Safety Council, Injury Facts, 2017 Edition, p. 63.