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Bryan Tate
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Humn Short Term Disbility Pln Wht is Disbility Insurnce? An esy explntion is; Disbility Insurnce is protection for your pycheck.

Disbility Insurnce replces your pycheck when you re unble to work. How much Disbility Insurnce do I need?

For exmple, how much is your mortgge/rent, cr pyment, credit crd pyments, utilities, food, other insurnce, etc. You my pply for coverge up to 60% of your currentt income.

So, pplying for 60% of your current income, with the fvorble tx tretment fforded disbility income pyments, will gurntee you level of benefit very similr to your current income.

(The Elimintion Period is the time between the ccident/illne ess tht cused the disbility, nd the time tht the policy begins pying benefits.

1 Humn Short Term Disbility Pln Wht is Disbility Insurnce? An esy explntion is; Disbility Insurnce is protection for your pycheck. Imgine if you were suddenly disbled, unble to work, due to n ccident or illness. How would you py your bills? How would you mintin you nd your fmily s lifestyle? Disbility Insurnce replces your pycheck when you re unble to work. How much Disbility Insurnce do I need? Everyone s personl sitution is different, but, good wy to clculte how much you will need in the event your pycheck stops, is to look t wht your finncill needs nd obligtions re. For exmple, how much is your mortgge/rent, cr pyment, credit crd pyments, utilities, food, other insurnce, etc. You my pply for coverge up to 60% of your currentt income. And, your Disbility Income checks re tx free! So, pplying for 60% of your current income, with the fvorble tx tretment fforded disbility income pyments, will gurntee you level of benefit very similr to your current income. How do I clculte the cost of Disbility Insurnce? There re two options, 14/14 nd 30/30 Elimintion Period. (The Elimintion Period is the time between the ccident/illne ess tht cused the disbility, nd the time tht the policy begins pying benefits.) When choosing n Elimintion Period, consider how much sick leve/vction time you hve nd re willing to use. Wht is the benefit period? The durtion of benefits will be for 6 months with the 14/144 elimintionn period nd 3 months with the 7/77 elimintion period. When to enroll? During your initil enrollment period you cn enroll with Gurntee Issue (no medicl underwriting) up to $3,000 monthly benefit mount. If your slry justifiess you to elect $3,500 to $5,000 you will be subject to Simplified Issue (underwriting for finl pprovl). Exmple: A 37 yer old non-smoker erning $45,000 ($3, 750 per month) is looking to purchse Short Term Disbility insurnce to protect their ernings. The mximumm monthly disbility benefit they cn purchse is $2,000 (60% of their monthly slry). If the bove employee elects the 14 dy elimintion periodd for both ccident nd sickness with 6 month benefit nd elects the $2,0000 benefit the premium would be: $ / month If the bove employee elects the 7 dy elimintion period for both ccident nd sickness with 3 month benefit nd elects $2,000 benefit the premium would be: $ / month

2 Short Term Disbility 7/7 Pln Disbility Income Plus provides monthly disbility income benefit s result of non-occuptionl "off-the-job" ccident or sickness. If you're totlly disbled by n ccident or illness, Disbility Income Plus cn be there to help, helping py the bills tht won't go wy just becuse you cn't work: housing costs, food, cr pyments, nd dditionl medicl costs. You cn focus on full recovery nd successful return to the workplce. Coverge type Benefit mount Pln design Benefit period Elimintion period Definition of disbility Disbility Income Plus is group disbility income insurnce policy tht provides monthly disbility income benefit due to n off-the-job ccident or injury. Minimum benefit of $300 nd mximum benefit of $3,500 per month, not to exceed 60% of bse monthly income. Accident & Sickness: Provides coverge for disbilities cused by either n ccidentl injury or sickness. Three months Provides off-the-job coverge for injuries fter 7 dys nd off-the job sicknesses fter 7 dys of totl disbility. The number of continuous dys, beginning with the first dy of totl disbility, before ny monthly benefit mount is pyble. Seprte elimintion periods pply to injury nd illness. Totl disbility: for the first 24 months of disbility tht the employee/member is unble to perform the substntil nd mteril duties of his or her regulr occuption, not working in ny other occuption, nd under the cre of physicin for the disbility. After 24 months of totl disbility, totlly disbled mens tht the employee/member is unble to perform the duties of ny occuption, nd under the cre of physicin for the disbility. Prtil disbility: becuse of covered sickness or injury, the employee/member is working more thn 20% but not more thn 80% of the norml pre-disbility schedule, nd under the regulr cre of physicin. The norml pre-disbility schedule is s defined by the employee/member's employer but does not include overtime. list for the Workplce Voluntry Benefit products t Disclosure.Humn.com. Plese review this informtion before the selection mde. THIS POLICY PROVIDES LIMITED BENEFITS.

3 Definition of disbility Additionl included benefits Recurrent disbility: totl nd/or prtil disbility tht is due to the sme or relted cuses s prior period of disbility, follows prior period for which monthly benefit ws pid, nd occurs within 180 dys fter the end of prior period for which monthly benefit ws pid. Prtil disbility: Pys 50 percent of the totl benefit when employee cnnot perform 20 percent to 80 percent of his or her norml work schedule for up to six consecutive months. Recurrent disbility: If employee becomes disbled gin within 180 dys of returning to work, the elimintion period is wived nd benefits re immeditely vilble for up to the remining benefit from the previous disbility. Wiver of premium: Premium is wived if the employee is totlly disbled for more thn 90 dys or the elimintion period, whichever is longer. Portbility: Before ge 70, employees cn tke their coverge with them t the sme rte if they leve their jobs. Coverge cn continue s long s premiums re pid, the group mster policy remins in force, nd the employee is less thn 70. Pre-existing provision 12/12 Pregnncy Treted s ny other illness. Product restrictions list for the Workplce Voluntry Benefit products t Disclosure.Humn.com. Plese review this informtion before the selection mde. THIS POLICY PROVIDES LIMITED BENEFITS. Employers with employees working in HI, NJ, & RI refer to Risk Mngement. Not vilble for sle with Accident if the Accident Totl Disbility Benefits Rider is included. Riders not vilble for sle with Helth Cre Plus.

4 Short Term Disbility 7/7 Rtes Disbility Income Plus rtes Stndrd Industry Clssifiction Code: Stndrd Non-tobcco coverge, monthly pyroll deductions bsed on monthly premium clcultion including Portbility $21.35 $40.45 $59.55 $78.65 $97.75 $ $ $23.25 $44.25 $65.25 $86.25 $ $ $ $24.50 $46.75 $69.00 $91.25 $ $ $ $25.55 $48.85 $72.15 $95.45 $ $ $ $31.95 $61.65 $91.35 $ $ $ $ Tobcco coverge, monthly pyroll deductions bsed on monthly premium clcultion including Portbility $26.15 $50.05 $73.95 $97.85 $ $ $ $28.45 $54.65 $80.85 $ $ $ $ $30.05 $57.85 $85.65 $ $ $ $ $31.35 $60.45 $89.55 $ $ $ $ $39.40 $76.55 $ $ $ $ $ The proposed rtes re for n effective dte no lter thn June 1, 2016.

5 Short Term Disbility 14/14 Pln Disbility Income Plus provides monthly disbility income benefit s result of non-occuptionl "off-the-job" ccident or sickness. If you're totlly disbled by n ccident or illness, Disbility Income Plus cn be there to help, helping py the bills tht won't go wy just becuse you cn't work: housing costs, food, cr pyments, nd dditionl medicl costs. You cn focus on full recovery nd successful return to the workplce. Coverge type Benefit mount Pln design Benefit period Elimintion period Definition of disbility Disbility Income Plus is group disbility income insurnce policy tht provides monthly disbility income benefit due to n off-the-job ccident or injury. Minimum benefit of $300 nd mximum benefit of $3,500 per month, not to exceed 60% of bse monthly income. Accident & Sickness: Provides coverge for disbilities cused by either n ccidentl injury or sickness. Six months Provides off-the-job coverge for injuries fter 14 dys nd off-the job sicknesses fter 14 dys of totl disbility. The number of continuous dys, beginning with the first dy of totl disbility, before ny monthly benefit mount is pyble. Seprte elimintion periods pply to injury nd illness. Totl disbility: for the first 24 months of disbility tht the employee/member is unble to perform the substntil nd mteril duties of his or her regulr occuption, not working in ny other occuption, nd under the cre of physicin for the disbility. After 24 months of totl disbility, totlly disbled mens tht the employee/member is unble to perform the duties of ny occuption, nd under the cre of physicin for the disbility. Prtil disbility: becuse of covered sickness or injury, the employee/member is working more thn 20% but not more thn 80% of the norml pre-disbility schedule, nd under the regulr cre of physicin. The norml pre-disbility schedule is s defined by the employee/member's employer but does not include overtime. list for the Workplce Voluntry Benefit products t Disclosure.Humn.com. Plese review this informtion before the selection mde. THIS POLICY PROVIDES LIMITED BENEFITS.

6 Definition of disbility Additionl included benefits Recurrent disbility: totl nd/or prtil disbility tht is due to the sme or relted cuses s prior period of disbility, follows prior period for which monthly benefit ws pid, nd occurs within 180 dys fter the end of prior period for which monthly benefit ws pid. Prtil disbility: Pys 50 percent of the totl benefit when employee cnnot perform 20 percent to 80 percent of his or her norml work schedule for up to six consecutive months. Recurrent disbility: If employee becomes disbled gin within 180 dys of returning to work, the elimintion period is wived nd benefits re immeditely vilble for up to the remining benefit from the previous disbility. Wiver of premium: Premium is wived if the employee is totlly disbled for more thn 90 dys or the elimintion period, whichever is longer. Portbility: Before ge 70, employees cn tke their coverge with them t the sme rte if they leve their jobs. Coverge cn continue s long s premiums re pid, the group mster policy remins in force, nd the employee is less thn 70. Pre-existing provision 12/12 Pregnncy Product restrictions Treted s ny other illness. Employers with employees working in HI, NJ, & RI refer to Risk Mngement. Not vilble for sle with Accident if the Accident Totl Disbility Benefits Rider is included. Riders not vilble for sle with Helth Cre Plus. list for the Workplce Voluntry Benefit products t Disclosure.Humn.com. Plese review this informtion before the selection mde. THIS POLICY PROVIDES LIMITED BENEFITS.

7 Short Term Disbility 14/14 Rtes Disbility Income Plus rtes Stndrd Industry Clssifiction Code: Stndrd Non-tobcco coverge, monthly pyroll deductions bsed on monthly premium clcultion including Portbility $20.20 $38.15 $56.10 $74.05 $92.00 $ $ $21.70 $41.15 $60.60 $80.05 $99.50 $ $ $24.40 $46.55 $68.70 $90.85 $ $ $ $26.60 $50.95 $75.30 $99.65 $ $ $ $34.30 $66.35 $98.40 $ $ $ $ Tobcco coverge, monthly pyroll deductions bsed on monthly premium clcultion including Portbility $24.70 $47.15 $69.60 $92.05 $ $ $ $26.50 $50.75 $75.00 $99.25 $ $ $ $29.95 $57.65 $85.35 $ $ $ $ $32.70 $63.15 $93.60 $ $ $ $ $42.30 $82.35 $ $ $ $ $ The proposed rtes re for n effective dte no lter thn June 1, 2016.

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$)''/?\Xck_$ bcbsnc.com Deductible options: $250, $500, $1,000 or $2,500 Deductible options $500, $1,000, $2,500, $3,500 or $5,000 D or (100% coinsurnce is not vilble on the $2,500 deductible option) coinsurnce plns: