| |
Standard Insurance Company |
Unum Life & Accident |
| Benefit |
66 2/3% of base weekly earnings |
70% of base weekly earnings |
| Maximum weekly benefit |
$769 |
$725 |
| Cost |
$0.89 per $100 of base salary |
$0.84 per $100 of base salary |
| Formula to determine pay period premium |
Annual base salary / 24 pay dates * .0089 |
Annual base salary / 24 pay dates * .0084 |
| Maximum annual salary for premium computation purposes |
$60,000 |
$53,857 |
| Waiting period before benefits begin: |
0 days
Benefits payable from the first day if caused by an accidental injury. |
Benefits payable from the first day if hospitalized as an in-patient for at least 24 hours. |
| |
30 days
In case of disability caused by sickness or pregnancy (if applied within 30 days of eligibility date, if covered by plan at least 12 months, or if member is covered by Standard STD plan on 09/30/01) |
In case of disability due to bodily injuries, sickness, pregnancy or disease. |
| |
60 days
In case of disability caused by sickness or pregnancy (if on the plan for less than 12 months and enrolled after 10/01/01.) Does not apply to new hires enrolling within 30 day enrollment period. |
n/a |
| Maximum length of benefit |
22-26 weeks |
26 weeks |
| Pre-existing condition restrictions |
None |
Claims for pre-existing conditions are restricted during the first six months of coverage. |
| Accidental Death & Dismemberment (AD&D) coverage |
None |
$30,000 |
| Work Earnings Integration |
Return to Work Incentive Program available provided; the elimination period has been satisfied prior to the first day of return to work, and participant working 80% or less of the regularly scheduled work week (established prior to the disability onset date). Deductible income: 1/2 of work earnings. |
n/a |
