Disability

New York Life

ABOUT DISABILITY

Disability insurance protects one of your most valuable assets, your paycheck. This insurance will replace a portion of your income in the event that you become physically unable to work due to sickness or injury for an extended period of time.

For full plan details, please visit your benefit website: www.mybenefitshub.com/irvingisd

EMPLOYEE BENEFITS

Educator Disability insurance combines the features of a short-term and long-term disability plan into one policy. The coverage pays you a portion of your earnings if you cannot work because of a covered disability. The plan gives you the flexibility to choose a level of coverage to suit your need. Claims: Call New York Life at 800-362-4462 to file a claim, group number on page 3. Benefit Amount: You may purchase coverage that will pay you a monthly flat dollar benefit in $100 increments between $200 and a maximum of $8000 not to exceed 67% of your current monthly earnings. Elimination Period: For Disability Benefits, an Employee may elect one of the following options: Accident Sickness Option 1 0 days 7 days Option 2 14 days 14 days Option 3 30 days 30 days Option 4 60 days 60 days For any selected Elimination Period of 30 days or less, the Elimination Period will end on the date the Employee is admitted as an inpatient in a hospital if that date is before the end of the time period specified. Any Employee insured under the disability plan may enroll in a plan option with a shorter Elimination Period during a subsequent open enrollment. If an Employee becomes Disabled and is subject to the Pre Existing Condition Limitation for any period of Disability caused or contributed by, or resulting from, a Pre-Existing Condition, benefits may be paid if the Elimination Period of the previously elected option and all other provisions of the disability plan are satisfied. Pre-existing Condition Limitation: Benefits are not payable for medical conditions for which you incurred expenses, took prescription drugs, received medical treatment, care or services (including diagnostic measures), during the 3 months just prior to the most recent effective date of insurance. Benefits are not payable for any disability resulting from a pre-existing condition unless the disability occurs after you have been insured under this plan for at least 12 months after your most recent effective date of insurance. However, the first 4 weeks of disability will be waived from the Pre-existing Condition Limitation clause. When Coverage Takes Effect: Your coverage takes effect on the later of the policy’s effective date, the date you become eligible, the date we receive your completed enrollment form if required, or the date you authorize any necessary payroll deductions if applicable. If you’re not actively at work on the date your coverage would otherwise take effect, your coverage will take effect on the date you return to work. If you have to submit proof of good health, your coverage takes effect on the date we agree, in writing, to cover you. Definition of Disability: Disability“Disability” or “Disabled” means that, solely because of a covered injury or sickness, you are unable to perform the material duties of your regular occupation/regular job and you are unable to earn 80% or more of your indexed earnings from working in your regular occupation/regular job. After benefits have been payable for 24 months, you are considered disabled if solely due to your injury or sickness, you are unable to perform the material duties of any occupation for which you are (or may reasonably become) qualified by education, training or experience, and you are unable to earn 60% or more of your indexed earnings. We will require proof of earnings and continued disability.

Cigna

EMPLOYEE BENEFITS

How Long Benefits Last: Once you qualify for benefits under this plan, you continue to receive them until the end of the timeframe listed below, or until you no longer qualify for benefits, whichever occurs first. (We will ask you to periodically furnish proof of your continuing disability.)

Exclusions: This plan does not pay benefits for a Disability which results, directly or indirectly, from any of the following: Suicide, attempted suicide, or intentionally selfinflicted injury while sane or insane. War or any act of war, whether or not declared. Active participation in a riot; commission of a felony; the revocation, restriction or nonrenewal of an Employee’s license, permit or certification necessary to perform the duties of his or her occupation unless due solely to Injury or Sickness otherwise covered by the Policy. Any cosmetic surgery or surgical procedure that is not Medically Necessary. In addition, the plan does not pay disability benefits any period of Disability during which you are incarcerated in a penal or corrections institution. 1. Your benefit amount will be reduced by any amounts payable to you by any of the sources listed under the

“Effects of Other Income Benefits” section. 2. Costs are subject to change.

For Disabilities Resulting From Sickness Age When Disability

Begins Maximum Benefit Period Less than

Age 65

The date the 60th Monthly Benefit is payable.

Age 65 through Age 68 Your 70th birthday or the date the 12th Monthly Benefit is payable, if later.

Age 69 or older The date the 12th Monthly Benefit is payable.

For Disabilities Resulting From an Accident Age When

Disability

Begins Maximum Benefit Period

Less than

Age 60 Your 65th birthday or the date the 60th Monthly Benefit is payable, if later.

Age 60 through Age 64: The date the 60th Monthly Benefit is payable.

Age 65 through Age 69 Your 70th birthday or the date the 12th Monthly Benefit is payable, if later.

Age 60 through Age 64 The date the 60th Monthly Benefit is payable. Disability per $500 in monthly benefit for Plan A ages 30-34 Elimination Period Plan A 0/7 $14.50 14/14 $10.95 30/30 $6.85 60/60 $3.95