Long-Term Disability Summary

The Long-Term Disability Program
Plan C

"Protects Against Loss of Income if Disabled and Can't Work . . .
On and Off the Job!"

ARE BENEFITS GUARANTEED?	Funded first 5 years by the I & B Trust of PORAC with over 30 years experience and then fully insured by Standard Insurance Company.
% OF WAGES PROTECTED	$6,300 per month (70% of $9,000).
MAXIMUM BENEFIT PERIOD	Lifetime for both Accident & Illness
OWN OCCUPATION BENEFIT PERIOD	24 months following the 30/60 day waiting period.
WAITING PERIOD	30 calendar days
FREEZE OF SICK LEAVE / WAIVER OF PREMIUM	After 60 days.
MINIMUM BENEFIT	$500 per month while receiving sick leave
SICK LEAVE INTEGRATION BENEFIT	Receive 100% of base pay through use of 50% leave time and 50% LTD benefit.
COST OF LIVING BENEFIT (COLA) (Non-Industrial)	Increases LTD benefits up to 5% compounded annually. No maximum on benefit received. (COLA Benefit based on Consumer Price Index)
MENTAL & NERVOUS BENEFITS	12 months per incident.
MUSCULOSKELETAL & CONNECTIVE TISSUE DISORDERS	24 months for each period of disability.
DRUG & ALCOHOL BENEFITS	12 months lifetime.
PAYS BENEFITS DURING DISPUTED WORKER’S COMPENSATION CASES	After 30 days – 70% of wages to a maximum monthly benefit of $6,300 (Repayable if determined to be industrial).
SURVIVORS BENEFITS	Dependents will receive benefits for 6 months.
Premium: $9.50

This is an illustration only. Refer to plan documents for complete details. CA License Number 0425842