Plan Highlights
Group Long Term Disability Insurance
Automobile Club of Southern California
COVERAGE Disability income protection insurance provides a benefit for long term disability resulting from a covered injury or sickness. Benefits begin at the end of the elimination period and continue while you are disabled up to the maximum benefit duration. ELIGIBILITY All Active Full-Time Employees working 30 hours or more per week, except for Pleasant Holiday Employees and any person working on a temporary or seasonal basis.
MAXIMUM BENEFIT DURATION Benefits will not extend beyond the longer of your Social Security Normal Retirement Age or Duration of Benefits below:
Age at Disablement
Duration of Benefits
61 or less
To Age 65
62
3 1/2 Years
63
3 Years
64
2 1/2 Years
65
2 Years
66
1 3/4 Years
67
1 1/2 Years
CONTRIBUTION REQUIREMENTS Core: Coverage is 100% Employer Paid. Buy-Up: Coverage is 100% Employee Paid. ELIMINATION PERIOD Core: 180 consecutive days of total disability; Buy-Up: 180 consecutive days of total disability.
68
1 1/4 Years
69 or more
1 Year
FEATURES Military Services Leave of Absence FMLA Continuation Own Occupation Coverage – 12 Months Rehabilitation Benefit Residual and Partial Disability Specific Indemnity Benefit Survivor Benefit – 3 months Transfer of Coverage Work Incentive & Child Care Provisions Worksite Modification Benefit
BENEFIT AMOUNT Core: The benefit amount is equal to 50% of your monthly covered earnings, from a minimum of $100/10%, to a maximum benefit of $12,000 per month. Buy-Up: The benefit amount is equal to 66.67% of your monthly covered earnings, from a minimum of $100/10%, to a maximum benefit of $12,000 per month.
LIMITATIONS
VALUE-ADDED SERVICES Travel Assistance Services
Pre-Existing Condition Limitation: 3/12
Mental & Nervous Limitation – 24 months outpatient
Substance Abuse Limitation – 24 months
Offsets: your benefit may be reduced by other income sources such as, but not limited to, Social Security, Workers Compensation, State Disability Plans
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This Plan Highlight is not a complete description of the insurance coverage. Insurance is provided under group policy form LRS-6564, et al. This is not a binding contract. Should there be a difference between this Plan Highlight and the contract, the contract will govern. The Certificate of Coverage will be made available to you that describes the benefits in greater detail; however a benefit will not be paid if caused or contributed by an exclusion listed in the Certificate. Reliance Standard Life Insurance Company is licensed in all states (except New York), the District of Columbia, Puerto Rico, the U.S. Virgin Islands and Guam. In New York, insurance products and services are provided through First Reliance Standard Life Insurance Company, Home Office: New York, NY. Product features and availability may vary by state.
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