2023 | VEO Employee Benefit Guide

VOLUNTARY LONG TERM DISABILITY

• Long Term Disability (LTD) provides income replacement if you become disabled and are unable to work. • The LTD plan works together with other sources of disability income (for example, Social Security) to replace a portion of your earnings. • The LTD benefit replaces up to 60% of your gross monthly base salary earnings to a maximum of $5,000 per month. • Refer to plan documents for additional eligibility, benefit, and cost information.

Premium Factors

Premium Factors

Premium Factors

Age

Age

Age

< 25

$0.00132

45 - 49

$0.00861

70 - 74

$0.01135

25 - 29

$0.00156

50 - 54

$0.01341

75 - 79

$0.01135

30 - 34

$0.00188

55 - 59

$0.01529

80 +

$0.01135

35 - 39

$0.00284

60 - 64

$0.01388

40 - 44

$0.00528

65 - 69

$0.01135

$____________ x ______________= $____________

Your monthly Salary

Premium Factor

Your Monthly Cost

For additional information, please refer to your detailed plan summary. In the event of a discrepancy, the carrier Plan Document shall prevail.