LONG TERM DISABILITY INSURANCE (LTD)

All full-time active employees are eligible to participate in our long-term disability plan through UNUM..

Our long term disability plan provides financial protection for you by paying a portion of your income while you are disabled The amount you receive is based on the amount you earned before your disability In some cases, you can receive disability payments even if you work while you are disabled.

Elimination Period: 90 Days Benefits begin the day after the elimination period is completed

Monthly Benefit (The lesser of):

● 60% of monthly earnings to a maximum benefit of $4,050 per month; or

● 75% of monthly earnings less any deductible sources of income

Maximum Period of Payment:

Monthly premium payment = 0 24% of your monthly wage (To calculate monthly payments, take your annual salary x 0 0024 / 12)

Monthly premiums are also available upon enrollment in Benefits Connect.

If you have previously been offered LTD Insurance and decline enrollment and want to enroll an insurability questionnaire must be completed and coverage may be declined. Forest