Basic Life, Voluntary Life & Disability LIFE AND AD&D* VOLUNTARY LIFE AND AD&D SHORT & LONG-TERM DISABILITY 100% Employer Paid Employee Coverage Spouse Coverage Dependent Coverage Short-Term Disability Long-Term Disability Birth but less than 6 Class 1: 60% of your months of age: monthly pre-disability Class 1: 3x Basic Annual Elect up to a Elect up to a Elect $1,000 earnings up to Life and AD&D Earnings maximum of maximum of 100% of your weekly $20,000/month Coverage $500,000 in $250,000 in 6 months – 26 years pre-disability earnings Class 2: 2x Basic Annual increments of increments of old: Class 2: 60% of your Earnings $10,000 $10,000 Elect $2,500, $5,000, monthly pre-disability $7,500 or $10,000 earnings up to $10,000/month Additional Class 1 Maximum: $975,000 Guaranteed Issue: Guaranteed Issue: Guaranteed Issue: Approved benefits Elimination Period: Information $100,000 $20,000 Up to $10,000 begin on your first day 90 days Class 2 Maximum: $400,000 of disability Benefit Reduction Schedule: Benefit reduces to 67% Age 75-79: 60% Benefit pays up to Benefit Length at age 70-74, and to Age 80-84: 35% Benefit pays up to a Social Security Normal 34% at age 75+ Age 85-89: 27.5% maximum of 11 weeks Retirement Age Age 90-94: 20% Age 95-99: 7.5% Age 100+: 5% Cost CIEE pays 100% of the If you choose to enroll in this benefit, you are CIEE pays 100% of the cost of this benefit Responsibility cost of this benefit 100% responsible for the cost of this benefit *AD&D stands for Accidental Death and Dismemberment 18 **Guaranteed issue is the benefit amount you can receive without having to provide medical information