Voluntary Short Term Disability Highlight Sheet

Plan Highlights Voluntary Group Short Term Disability Insurance Goshen Community Schools COVERAGE FEATURES Disability income protection insurance provides a benefit for short term  Maternity covered as any other illness disability resulting from a covered injury or sickness. Benefits begin at  Non-occupational coverage the end of the elimination period and continue while you are disabled  Partial Disability up to the maximum benefit duration.  Zero Day Residual: You can accumulate time toward the elimination period even while partially disabled ELIGIBILITY  Transfer of Coverage provision Each Active Full-Time Employee working 20 hours or more per week  FMLA Continuation and earning a minimum salary of $15,000 per year, except any person  Military Services Leave of Absence Continuation working on a temporary or seasonal basis. LIMITATIONS BENEFIT AMOUNT  Pre-Existing Condition Limitation: 3/12 You may elect a weekly benefit in increments of $25, from a minimum  Offsets: Your benefit may be reduced by other income sources of $100, up to a maximum benefit of $1,500, not to exceed 60% of your such as, but not limited to, Social Security, Workers covered earnings (rounded to the next lower increment). Compensation, State Disability Plans. DAY BENEFITS BEGIN Injury (accident) and Sickness (illness): benefits begin on the 15th consecutive day of disability. MAXIMUM BENEFIT DURATION Benefits for one period of disability will be paid up to a maximum of 11 weeks. CONTRIBUTION REQUIREMENTS Coverage is 100% Employee Paid. RATES See attached Rate Sheet www.reliancestandard.com This Plan Highlight is not a complete description of the insurance coverage. Insurance is provided under group policy form LRS-6451, et al. This is not a binding contract. Should there be a difference between this Plan Highlight and the contract, the contract will govern. The Certificate of Coverage will be made available to you that describes the benefits in greater detail; however a benefit will not be paid if caused or contributed by an exclusion listed in the Certificate. Reliance Standard Life Insurance Company is licensed in all states (except New York), the District of Columbia, Puerto Rico, the U.S. Virgin Islands and Guam. In New York, insurance products and services are provided through First Reliance Standard Life Insurance Company, Home Office: New York, NY. Product features and availability may vary by state.