2024 Employee Benefit Guide - Salaried - Yeled 11.3.23

VOLUNTARY LONG TERM DISABILITY

BENEFIT

Benefit Percentage

60% of pre-disability earnings

2 years own occupation, any occupation thereafter to age 65

Definition of Disability

Maximum Monthly Benefit

$3,000

Elimination Period

90 days

Maximum Benefit Duration

Social Security Retirement Age

Pre-existing Conditions Limitations*

6/12*

MAXIMUM MONTHLY BENEFIT

$______,000

÷ $10,000 = $_____

X 60%_________

= $____________

Your annual earnings

Divide by 12 to get your monthly earnings

X by 60% (Maximum covered income)

Maximum monthly benefit available (up to $3,000)

COST PER PAYCHECK CALCULATOR

$______,000

÷ $100 = $_____

X $_________

= $__________÷ 12

=$________________

Your annual earnings

Divide by 100

X by your rate

Total cost per paycheck

VOLUNTARY LONG TERM DISABILITY MONTHLY RATE PER $100 OF BENEFIT

AGE

RATE

AGE

RATE

AGE

RATE

15 - 24

$0.21

45 - 49

$1.18

70+

$2.76

25 - 29

$0.30

50 - 54

$1.57

30 - 34

$0.49

55 - 59

$1.89

35 - 39

$0.69

60 - 64

$1.85

40 - 44

$0.86

65 - 69

$2.17

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