Short Term Disability Summary Plan Description

supplement the difference between your Basic Weekly Earnings and your Weekly Benefit under the leave of absence procedures of the Employer;

o Any severance compensation paid by the Employer; and

o Any earnings you receive for work performed for an employer other than the Employer or from self-employment during the period in which you are eligible for a Weekly Benefit, unless such work has been authorized by the Employer.  “ Partial Disability ” or “ Partially Disabled ” means that the Claims Administrator determines that, following a period of Disability for which Weekly Benefits were payable under this STD Plan, you are:

o Unable to perform all of the material duties of your regular occupation;

o You are performing at least one of the material duties of your regular occupation or any occupation on a full-time or part-time basis;

o You have a loss of at least 20% of your Basic Weekly Earnings that is related to the current disability; and

o You are under the regular care of a physician.

 “ Physician ” means a person (other than you, your spouse, child, brother, sister or parent, or the child, brother, sister or parent of your spouse) who is:

o Operating within the scope of his/her license; and either

o Licensed to practice medicine and prescribe and administer drugs or to perform surgery; or

o Legally qualified as a medical practitioner and required to be recognized, under the policy for insurance purposes, according to the insurance statues or the insurance regulations of the governing jurisdiction.

 “ Weekly Benefit ” means the weekly benefit payable under this STD Plan, subject to reduction for Other Income.

 “ You ” and “ Your ” means you, the employee.

DISABILITY BENEFITS

When do disability benefits become payable if I am an Eligible Employee? The Employer will pay the Weekly Benefit after the end of the Elimination Period if you and your doctor provide proof acceptable to the Claims Administrator that you:

1.

are Disabled due to Illness or Injury, and

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