2024-Framebridge-Benefit Guide

DISABILITY BENEFITS

SHORT TERM DISABILITY INSURANCE Framebridge offers short term disability insurance if you have a qualified disability and are unable to work. This coverage will pay you 60% of your weekly salary up to a maximum of $1,000 per week. This will cover you up to a period of 13 weeks as long as you are disabled. Benefits begin on the 8th day of a sickness and 1st day of an accident. Framebridge pays for the cost of this benefit on behalf of employees.

BENEFIT

STD

Benefit Amount

60% of weekly earnings

Maximum Benefit

$1,000 per week

Benefit Duration

Up to 13 weeks

When Benefits Begin

Sickness: 8th Day, Accident: 1st Day

LONG TERM DISABILITY INSURANCE Framebridge offers long term disability to protect income in case of an injury, illness, or disease that causes you to be partially or totally disabled for longer than a 90-day period. Benefit percentage is 60% level of base salary up to a maximum monthly benefit of $6,000. Framebridge pays for the cost of this benefit on behalf of employees.

BENEFIT

LTD

Minimum Hours Per Week

32 hours

Definition of Disability

2 Year Own Occupation

Benefit Amount

60% of your monthly earnings

Maximum Benefit

$6,000 per month

Duration

SSNRA (Social Security Normal Retirement Age)

Elimination Period

90 days

Pre-Existing Conditions Limitations*

3/12

* A “Pre - Existing Condition” means the insured employee received medical treatment, consultation, care or services including diagnostic measures or took prescribed drugs or medicines in the 3 months just prior to his/ her effective date of coverage; and the disability begins in the first 12 months after the employee’s effective date of coverage unless you have been treatment free for 12 consecutive months after your effective date of coverage.

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

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