LIFE, AD&D AND DISABILITY Basic Life AD&D Short-Term Disability Long-Term Disability Coverage Pays 1x your base annual earnings up Coverage Pays you 60% of your pre- Pays you 60% of your pre-disability Amount to a maximum of $250,000 Amount disability weekly base salary up monthly base salary up to $15,000 per to $2,500 per week month No medical questions asked up to Pays up to age 65 when you are limited Guaranteed the guaranteed issue amount of Pays up to 12 weeks after a 7- to performing the material and Issue & Age $250,000. Benefit reduces to 65% at Benefit Period day benefit waiting period substantial duties of your regular Reduction age 65, occupation after a 90-day benefit and to 55% at age 70 waiting period IRC section 79 provides an exclusion for the first $50,000 of group-term A Pre-Existing Condition is any sickness or Injury life insurance coverage provided for which you received medical treatment, under a policy carried directly or Pre-Existing consultation, care, or services, including diagnostic Disclaimer indirectly by an employer. The Condition None procedures, or took prescribed drugs or medicines imputed cost of coverage in excess of Exclusion within 3 months prior to your effective date of 12 $50,000 must be included in income, coverage. Disabilities that occur during the first using the IRS Premium Table, and months of coverage due to a pre-existing are subject to social security and condition are excluded from coverage Medicare taxes 15 // 2023 Employee BenefitGuide download: basic life summary | short-term disability summary | long-term disability summary