Important Details The following is an overview of your employer paid short term disability insurance. Once a group policy is issued to your employer,

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1 N CSTD1_Value Employer Paid Short Term Disability Insurance T his this text box here. A post process uses the text above to do a "Find/Replace" of variable text and the header. Tempalte: NCSTD_BHS Employer Paid Short Term Disability Insurance Benefit Highlights Cabrillo Community College What is e mployer paid s hort term disability i nsurance? What is disability? E mployer paid short term disability insurance pays you a portion of your miss time at work because of a disabling illness or injury. earnings i f you highlight sheet is an overview of your e mployer paid short term disability insurance. O nce a group policy is issued to your employer, a certificate of insurance will be available to explain your coverage in detail. Disability is defined in The Hartford s contract with your employer. D ue to accidental bodily i njury, sickness, mental illness, substance abuse or pregnancy you are unable to perform t he essential duties of your occupation, or You are able to perform some, but not all, of the essential duties of your occupation. Am I eligible? Y ou are eligible if you are an active full time Certificated employee, including Educational A dministrative Managers with 5 or more years of service, who works at least 20 hours per week on a regularly scheduled basis. How much coverage would I have? When can I enroll? Y our employer provides c overage that would pay you a benefit of 66.67% o f your weekly e arnings. The maximum employer paid short term disability insurance b enefit you could receive is $ 1,250 per week. E arnings a re defined as in The Hartford s contract with your employer. As an eligible e mployee, you are automatically covered by e mployer paid short term d isability insurance; you do not have to enroll. When is it effective? How long do I have to wait before I can receive my benefit? I f I m disabled, can the a mount of my benefit be reduced? C overage goes into effect subject to the terms and conditions of the policy. You must be actively at work with your employer on the day your coverage takes effect. Once you are approved for coverage, you will be eligible to collect your e mployer paid s hort term disability insurance benefit starting on the 8 TH day after your injury or 8 TH d ay of sickness. Your benefit could continue for up to 25 weeks. Y es. As described on the following page, your weekly short-term benefit may be reduced by other income you receive. T he Hartford is The Hartford Financial Services Group, Inc. and its subsidiaries including issuing companies Hartford L ife Insurance Company, Hartford Life and Accident Insurance Company and Hartford Fire Insurance Company. Home Office is Hartford, CT. C abrillo Community College NCSTD BHS Page 1 of 2

2 Important Details The following is an overview of your employer paid short term disability insurance. Once a group policy is issued to your employer, a certificate of insurance will be available to explain your coverage in detail. E xclusions: You cannot receive employer paid short term disability insurance b enefit payments for disabilities that are caused or c ontributed to by: war or act of war (declared or not) the commission of, or attempt to commit a felony an intentionally self-inflicted injury any case where your being engaged in an illegal occupation was a contributing cause to your disability sickness or injury for which workers' compensation benefits are paid, or may be paid, if duly claimed any injury sustained as a result of doing any work for pay or profit for another employer Y ou must be under the regular care of a physician to receive benefits. Y our benefit payments will be reduced by other income you receive or are eligible to receive due to your disability, such as: Social Security disability insurance (please see next section for exceptions) workers' compensation other employer-based insurance coverage you may have unemployment benefits settlements or judgments for income loss retirement benefits that your employer fully or partially pays for (such as a pension plan) Y our benefit payments will not be reduced by certain kinds of other income, such as: retirement benefits if you were already receiving them before you became disabled retirement benefits you start to receive that are funded by your after-tax contributions your personal savings, investments, IRAs or Keoghs profit-sharing personal disability policies Social Security increases benefit highlights sheet is an overview of the employer paid short term disability insurance b eing offered and is provided f or illustrative purposes only and is not a contract. It in no way changes or affects the policy as actually issued. Only the i nsurance policy issued to the policyholder (your employer) can fully describe all of the provisions, terms, conditions, limitations a nd exclusions of your insurance coverage. In the event of any difference between the benefit highlights sheet and the insurance policy, the terms of the insurance policy apply. C abrillo Community College NCSTD BHS Page 2 of 2

3 N CLTD1_Value Employer Paid Long Term Disability Insurance T his this text box here. A post process uses the text above to do a "Find/Replace" of variable text and the header. Template: NCLTD_BHS Employer Paid Long Term Disability Insurance Benefit Highlights Cabrillo Community College What is e mployer paid long t erm disability insurance? E mployer paid long term disability insurance pays you a portion of your miss time at work because of a disabling illness or injury. earnings i f you highlight sheet is an overview of your e mployer paid long term disability insurance. O nce a group policy is issued to your employer, a certificate of insurance will be available to explain your coverage in detail. What is disability? Disability is defined in The Hartford s contract with your employer. T ypically, disability m eans that you cannot perform one or more of the essential duties of your occupation due t o injury, sickness, pregnancy or other medical condition covered by the insurance. Once y ou have been disabled for 24 months, you must be prevented from performing one or m ore of the essential duties of any occupation. Am I eligible? Y ou are eligible if you are an active full time Certificated employee, including Educational A dministrative Managers with 5 or more years of service, who works at least 20 hours per week on a regularly scheduled basis. How much coverage would I have? When can I enroll? Y our employer provides c overage that pays you a benefit of 66.67% of your earnings t o a maximum monthly benefit of $ 7,000 per month. T his plan includes a minimum benefit of t he greater of: 10% o f the benefit based on monthly income loss before the deduction of other income benefits o r $ 100 p er month. E arnings are d efined as in The Hartford s contract with your employer. As an eligible e mployee, you are automatically covered by e mployer paid long term d isability insurance; you do not have to enroll. When is it effective? How long do I have to wait before I can receive my benefit? C overage goes into effect subject to the terms and conditions of the policy. You must be actively at work with your employer on the day your coverage takes effect. You must be disabled for at least 180 days t erm disability insurance benefit payment. before you can receive an e mployer paid long T he Hartford is The Hartford Financial Services Group, Inc. and its subsidiaries including issuing companies Hartford L ife Insurance Company, Hartford Life and Accident Insurance Company and Hartford Fire Insurance Company. Home Office is Hartford, CT. C abrillo Community College NCLTD BHS Page 1 of 3

4 C an the duration or a mount of my benefit be reduced? Y es. Your benefit duration may be reduced once you reach certain ages as specified in T he Hartford s contract with your employer. In addition, as described below within the i mportant details, your monthly long-term benefit may be reduced by other income you receive. H ow long will my d isability payments continue? I f you become disabled prior to age 66, benefits may continue for as long as you remain d isabled or 2 years. If your disability occurs at age 66 or above, the number of payments may reduce. Important Details The following is an overview of your employer paid long term disability insurance. Once a group policy is issued to your employer, a certificate of insurance will be available to explain your coverage in detail. E xclusions: You cannot receive employer paid long term disability insurance b enefit payments for disabilities that are caused or c ontributed to by: war or act of war (declared or not) the commission of, or attempt to commit a felony an intentionally self-inflicted injury any case where your being engaged in an illegal occupation was a contributing cause to your disability You must be under the regular care of a physician to receive benefits. M ental Illness, Alcoholism and Substance Abuse: Y ou can receive benefit payments for long-term disabilities resulting from mental illness, alcoholism and substance abuse for a total of 24 months for all disability periods during your lifetime. A ny period of time that you are confined in a hospital or other facility licensed to provide medical care for mental illness, alcoholism and substance abuse does not count toward the 24 months lifetime limit. P re-existing Conditions: policy will not provide coverage for any period of Disability beginning within the first 12 m onths of the effective date of y our coverage under this policy if the period of disability is caused by or substantially contributed to by a pre-existing condition or the medical or surgical treatment of a Pre-existing condition. Y ou have a Pre-existing condition if: Y ou received medical treatment, care or services for a diagnosed condition or took prescribed medication for a diagnosed condition in the 3 months immediately prior to the effective date of coverage under this Insurance; or Y ou suffered from a physical or mental condition, whether diagnosed or undiagnosed, which was misrepresented or not disclosed in your application and for which you received a physician s advice or treatment within 3 m onths before the date of your coverage under this policy; or which caused symptoms within 3 m onths before the date of issue for which a prudent person would usually seek medical advice or treatment. Your benefit payments will be reduced by other income you receive or are eligible to receive due to your disability, such as: Social Security disability insurance (please see next section for exceptions) workers' compensation other employer-based insurance coverage you may have unemployment benefits settlements or judgments for income loss retirement benefits that your employer fully or partially pays for (such as a pension plan) Your benefit payments will not be reduced by certain kinds of other income, such as: retirement benefits if you were already receiving them before you became disabled retirement benefits that are funded by your after-tax contributions your personal savings, investments, IRAs or Keoghs profit-sharing C abrillo Community College NCLTD BHS Page 2 of 3

5 most personal disability policies Social Security increases benefit highlights sheet is an overview of the employer paid long term disability insurance b eing offered and is p rovided for illustrative purposes only and is not a contract. It in no way changes or affects the policy as actually issued. O nly the insurance policy issued to the policyholder (your employer) can fully describe all of the provisions, terms, c onditions, limitations and exclusions of your insurance coverage. In the event of any difference between the benefit highlights sheet and the insurance policy, the terms of the insurance policy apply. C abrillo Community College NCLTD BHS Page 3 of 3

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