Short & Long Term Disability
Benefits You Receive T homas College offers you employer-sponsored L TD and the option to elect voluntary STD insurance from Unum . If you become disabled from a non-work-related injury or illness, disability income benefits will provide a partial replacement of lost income.
Summaries of Coverage
Plan Features Benefits Begin Accident Sickness
Short-Term Disability – Unum
15 th Day 15 th Day
Benefit Amount
50% of your Weekly Earnings
Weekly Benefit
Maximum
$2,500 Per Week
Benefits Duration
Up to 11 weeks
No benefits are available for disability caused by or contributed to by a pre- existing condition for which you were treated or had symptoms in the 3 months prior to beginning coverage for the first 12 months of coverage
Pre-existing Limitation Exclusion
Plan Features Benefits Begin Accident Sickness Monthly Benefit
Long-Term Disability - Unum
91 st Day
Benefit Amount
60% of your Monthly Earnings
Maximum
$10,000 per Month
Benefits Duration
To your Social Security Normal Retirement Age (SSNRA)
No benefits are available for disability caused by or contributed to by a pre- existing condition for which you were treated or had symptoms in the 3 months prior to beginning coverage for the first 12 months of coverage
Pre-existing Limitation Exclusion
Refer to your Disability plan documentation for more information. This Guide is for illustrative purposes only and is not a legal contract, contract of employment or guarantee of coverage. Any benefits payable will be subject to the terms and conditions of the insurance policy issued by the insurance company and relevant plan document. 3 9
Made with FlippingBook - Online magazine maker