BASIC LIFE AND AD&D LONG-TERM DISABILITY Plan Employer Paid Basic Life and AD&D Employer Paid Long-Term Disability Benefit Pays 1x Annual Salary Up to $200,000 60% of your monthly pre-disability earnings up to $9,500/month Additional Information Guaranteed Issue is: $200,000 Elimination Period is: 90 days Benefit Length Benefit Reduces to 65% at age 65, to 50% at age 70, and to 35% at age 75 Pays up to (SSNRA) Social Security Normal Retirement Age Cost Responsibility EMPath pays 100% of the cost of this benefit EMPath pays 100% of the cost of this benefit LTD LIFE BASIC LIFE/AD&D AND LONG-TERM DISABILITY 13 // FY26 Benefit Guide