Disability Benefit Summary
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- Allyson McCormick
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1 LIFTING GEAR HIRE CORPORATION Disabiity Beefit Summary Group Number: About Your Beefits: Youprobabyhaveisuraceforyourcarorhome,butwhataboutthesourceoficomethatpaysforit?Youreyoyour paycheckforsomaythigs,butwhatifyouweresuddeyuabetoworkduetoaaccidetoriess? Howwiyouputfood othetabe,payyourmortgageorheatyourhome? Disabiityisuracecaheprepaceosticomeadmakeadifficuttimea itte easier. Protect your most vauabe asset, your paycheck-ero today! What Your Beefits Cover:. Coverage amout Maximum paymet period: Maximum egth of time you ca receive disabiity beefits. Accidet beefits begi: The egth of time you must be disabed before beefits begi. Iess beefits begi: The egth of time you must be disabed before beefits begi. Short-Term Disabiity 70%ofsaarytomaximum $1000/week 26weeks Day0 Day7 Log-Term Disabiity 60%ofsaarytomaximum $7500/moth Lesserof5yearsortoage70 Day181 Day181 Evidece of Isurabiity: A heath statemet requirig you to aswer a few medica history questios. Heath Statemet may be required Heath Statemet may be required Guaratee Issue: The guaratee meas you are ot required to aswer heath questios to quaify for coverage up to ad icudig the specified amout, whe appicat sigs up for coverage durig the iitia eromet period. Miimum work hours/week: Miimum umber of hours you must reguary work each week to be eigibe for coverage. We Guaratee Issue $1000 i coverage Pahoder Determies We Guaratee Issue $7500 i coverage Pahoder Determies Pre-existig coditios: A pre-existig coditio icudes ay coditio/symptom for which you, i the specified time period prior to coverage i this pa, cosuted with a physicia, received treatmet, or took prescribed drugs. Not Appicabe 3mothsookback;12moths after excusio Premiumwaivedifdisabed:Premiumwioteedtobepaid whe you are receivig beefits. Not Appicabe Yes UNDERSTANDING YOUR BENEFITS DISABILITY(Some iformatio may vary by state) Disabiity(og-term): For first two years of disabiity, you wi receive beefit paymets whie you are uabe to work i your ow occupatio. After two years, you wi cotiue to receive beefits if you caot work i ay occupatio based o traiig, experiece ad educatio. Earigs defiitio: Your covered saary icudes average bouses ad commissios. Beefit iformatio iustrated withi this materia refects the pa covered by Guardia as of 09/20/2016 LIFTING GEAR HIRE CORPORATION ALL ELIGIBLE EMPLOYEES Beefit Summary The Guardia Life Isurace Compay of America, 7 Haover Square, New York, NY
2 Specia imitatios: Provides a 24-moth beefit imit for specific coditios icudig meta heath ad substace abuse. Other coditios such as chroic fatigue are aso icuded i this imitatio. Refer to cotract for detais. Work icetive: Pa beefit wi ot be reduced for a specified amout of moths so that you have part-time earigs whie you remai disabed, uess the combied beefit ad earigs exceed 100% of your previous earigs. LIFTING GEAR HIRE CORPORATION ALL ELIGIBLE EMPLOYEES Beefit Summary The Guardia Life Isurace Compay of America, 7 Haover Square, New York, NY
3 Log-Term Disabiity Pa Semi-mothy Cost Iustratio: To determie the most appropriate eve of coverage, you shoud cosider your curret basic mothy expeses. To hep you assess your eeds, you ca aso go to Guardia Aytime ad use our Disabiity Isurace Exporer Too. Poicy amouts show based o sampe saary amouts oy. < Your premium rate $0.110 $0.110 $0.141 $0.199 $0.249 $0.459 $0.700 $1.239 $1.900 Eectio Cost Per Age Bracket < $20,000 Aua Saary $1,000 Mothy Beefit $0.92 $0.92 $1.18 $1.66 $2.08 $3.83 $5.84 $10.33 $15.84 $30,000 Aua Saary $1,500 Mothy Beefit $1.38 $1.38 $1.76 $2.49 $3.11 $5.74 $8.75 $15.49 $23.75 $40,000 Aua Saary $2,000 Mothy Beefit $1.83 $1.83 $2.35 $3.32 $4.15 $7.65 $11.67 $20.65 $31.66 $50,000 Aua Saary $2,500 Mothy Beefit $2.29 $2.29 $2.94 $4.15 $5.19 $9.56 $14.59 $25.82 $39.59 $60,000 Aua Saary $3,000 Mothy Beefit $2.75 $2.75 $3.53 $4.98 $6.23 $11.48 $17.50 $30.98 $47.50 $70,000 Aua Saary $3,500 Mothy Beefit $3.21 $3.21 $4.11 $5.80 $7.26 $13.39 $20.42 $36.14 $55.41 $80,000 Aua Saary $4,000 Mothy Beefit $3.67 $3.67 $4.70 $6.63 $8.30 $15.30 $23.34 $41.30 $63.34 $90,000 Aua Saary $4,500 Mothy Beefit $4.13 $4.13 $5.29 $7.46 $9.34 $17.21 $26.25 $46.46 $71.25 $100,000 Aua Saary $5,000 Mothy Beefit $4.58 $4.58 $5.88 $8.29 $10.38 $19.12 $29.17 $51.62 $79.16 $110,000 Aua Saary $5,500 Mothy Beefit $5.04 $5.04 $6.46 $9.12 $11.41 $21.04 $32.09 $56.79 $87.09 $120,000 Aua Saary $6,000 Mothy Beefit $5.50 $5.50 $7.05 $9.95 $12.45 $22.95 $35.00 $61.95 $95.00 $130,000 Aua Saary $6,500 Mothy Beefit $5.96 $5.96 $7.64 $10.78 $13.49 $24.86 $37.92 $67.11 $ $140,000 Aua Saary $7,000 Mothy Beefit $6.42 $6.42 $8.23 $11.61 $14.53 $26.78 $40.84 $72.28 $ $150,000 Aua Saary $7,500 Mothy Beefit $6.88 $6.88 $8.81 $12.44 $15.56 $28.69 $43.75 $77.44 $ Maage Your Beefits: Go to to access secure iformatio about your Guardia beefits. Your o-ie accout wi be set up withi 30 days after your pa effective date. LIFTING GEAR HIRE CORPORATION ALL ELIGIBLE EMPLOYEES Beefit Summary The Guardia Life Isurace Compay of America, 7 Haover Square, New York, NY
4 A SUMMARY OF DISABILITY PLAN LIMITATIONS AND EXCLUSIONS Evidece of Isurabiity is required o a ate eroees. This coverage wi ot be effective uti approved by a Guardia uderwriter. This proposa is hedged subject to satisfactory fiacia evauatio. Pease refer to certificate of coverage for fu pa descriptio. You must be workig fu-time o the effective date of your coverage; otherwise, your coverage becomes effective after you have competed a specific waitig period. EmpoyeesmustbeegayworkigitheUitedStatesiordertobe eigibe for coverage. Uderwritig must approve coverage for empoyees o temporary assigmet:(a) exceedig oe year; or(b) i a area uder trave warig by the US Departmet of State. Subject to state specific variatios. For Log-Term Disabiity coverage, we pay o beefits for a disabiity caused or cotributed to by a pre-existig coditio uess the disabiity starts after youhavebeeisureduderthispaforaspecifiedperiodoftime. We imit the duratio of paymets for og term disabiities caused by meta or emotioa coditios, or acoho or drug abuse. Wedootpaybeefitsforchargesreatigtoacoveredperso:takigpart iaywaroractofwar(icudigserviceithearmedforces)committiga feoy or takig part i ay riot or other civi disorder or itetioay ijurig themseves or attemptig suicide whie sae or isae. We do ot pay beefits for charges reatig to ega itoxicatio, icudig but ot imitedtotheoperatioofamotorvehice,adforthevoutaryuseofay poiso, chemica, prescriptio or o-prescriptio drug or cotroed substaceuessithasbeeprescribedbyadoctoradisusedas prescribed. We imit the duratio of paymets for og term disabiities caused by meta or emotioa coditios, or acoho or drug abuse. We do otpaybeefitsdurigayperiodiwhichacoveredpersoiscofiedto acorrectioafaciity,aempoyeeisotuderthecareofadoctor,a empoyee is receivig treatmet outside of the US or Caada, ad the empoyee s oss of earigs is ot soey due to disabiity. This poicy provides disabiity icome isurace oy. It does ot provide "basic hospita","basic medica", or"medica" isurace as defied by the New York State Isurace Departmet. If this pa is trasferred from aother isurace carrier, the time a isured is covered uder that pa wi cout toward satisfyig Guardia's pre-existig coditio imitatio period. State variatios may appy. Whe appicabe, this coverage wi itegrate with NJ TDB, NY DBL, CA SDI,RITDI,HawaiiTDIadPuertoRicoDBA. Cotract#.s GP-1-LTD94-A,B,C-1.0 et a.; GP-1-LTD2K-1.0 et a; GP-1-LTD et a. Cotract#.s GP-1-STD et a; GP-1-STD2K-1.0 et a;, GP-1-STD et a. This hadout is for iustrative purposes oy ad is a approximatio. If ay discrepacies betwee this hadout ad your paycheck stub exist, your paycheck stub prevais. LIFTING GEAR HIRE CORPORATION ALL ELIGIBLE EMPLOYEES Beefit Summary The Guardia Life Isurace Compay of America, 7 Haover Square, New York, NY
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