Short-Term The financial consequences of not being able to work due to a sickness or accident off the job can be devastating to Disability both you and your family. We recognize this risk and are pleased to offer a comprehensive disability program. Disability insurances replaces your income for a limited period of time after an accident or injury. Benefits elected paycheck outside the New Hire Period may require an individual protection medical statement. Voluntary Short Term Disability Plan Overview Eligibility Must work at least 20 hours per week Maximum Weekly Benefit $1,000 Maximum Duration 90 Days Weekly Benefit Percentage 60% of your before-tax weekly earnings, not to exceed maximum Benefits begin on the 8th day following an accidental injury, physical Elimination Period disease, pregnancy or mental disorder 60 days for any qualifying disability caused by physical disease, Extended Elimination Period pregnancy or mental disorder occurring during the first 12 months (for late entrants) of coverage If you become disabled and can work part-time (but not full-time), you may be eligible for partial disability benefits, which will help Partial Disability Benefits supplement your income until you are able to return to work full- time. The premium for your short-term disability coverage is waived while Waiver of Premium you are receiving benefits. Use the following calculator to estimate your per pay period premium: Weekly Earnings X 0.60 X $0.85 / 10 = Monthly Premium 8 day waiting period Your disability payments will be combined with, $1,000 maximum per and offset by, any other disability income you week receive (social security, state disability, etc...) so that your monthly payments total your elected C o s t is $0 .85 p er $1 0 o f percentage of your “basic earnings.” w eek l y b en ef it For further questions and details, see full benefit summary. 20 You can also go to www.standard.com or call 800-368-2859.