The Standard

• Short-Term Disability (STD) (paid by the employee) – the plan will work in coordination with other deductible income to replace 60% of your Annual Benefit Base Rate during the plan year the disability began, up to $1,000 per week. Your STD benefits will be calculated using your Annual Benefit Base Rate, up to an annual maximum salary of $86,684. This plan includes a Seven (7) day and a Thirty (30) day waiting period.
• Long-Term Disability (LTD) (paid by employer) – coverage works with other deductible income you are eligible to receive, including but not limited to Social Security, Workers’ Compensation, other disability plans benefit and programs, including State retirement. The plan assures that your combined disability benefits and deductible income from other sources will equal 60% of your Annual Benefit Base Rate, up to $5,000 per month. Your LTD benefits will be calculated using your Annual Benefit Base Rate, up to an annual maximum salary of $100,000. There is a minimum monthly benefit of $100.00.

Critical Illness & Critical Illness Select Plus

• Aflac- The group Critical Illness Plan by Aflac helps you and your family cope with, and recover from, the financial stress of a critical illness or health condition.
• Employee Coverage Levels

  $5,000	$10,000	20,000
  $30,000	$40,000	$50,000

  • Lump-sum benefits are paid directly to the insured following the diagnosis of each covered critical illness.
• Spouse Coverage Levels

  $5,000	$10,000	20,000
  $30,000	$40,000	$50,000

  • No medical underwriting is required for up to $30,000 in coverage, with simplified medical underwriting (only a few health questions) for higher amounts.
  • Employee must elect Critical Illness benefits for the spouse to be eligible for coverage.
• Child Coverage
  • Your children, ages 0-26, are covered at 50%of your benefit amount, at no additional cost.
  • Child benefits are automatically included in existing employee coverage.

Long Term Care

• UNUM- Long-Term Care (LTC) refers to a wide range of personal care, health, and social services for people of all ages who suffer a chronic disease or long-lasting disability. These services can be provided in a nursing facility, an adult day care center, or at home, and can involve some nursing care. You can choose from one of three daily benefit levels and the corresponding monthly premium that is right for your needs and budget. The amount of the benefit depends on two factors: where care is provided – either in a nursing facility, or home/day/assisted living facility – and the daily dollar level of coverage you select. With any of these options, benefits are paid monthly. The monthly benefit is equal to 100% of your elected daily benefit amount for care provided in a state-licensed nursing home facility, and 60% of your elected daily benefit amount for care provided in an assisted living facility or at home.