Disability Benefits

This is a 100% employer-paid benefit.

Group Short Term Disability insurance from SunLife helps provide financial protection for insured members by promising to pay a weekly benefit in the event of a covered disability.

Other Features and Services:
• Reasonable Accommodation Expense Benefit
• Return to Work Incentive
• Temporary Recovery Provision

Benefits
Eligibility	This benefit is available to eligible employees. Contact your human resources representative or review your benefit certificate for specific eligibility requirements.
Weekly Benefit	60 percent of the first $1,667 of weekly predisability earnings as of the date of disability, reduced by deductible income (e.g., work earnings, workers’ compensation, state disability, etc.)
Maximum Weekly Benefit	$1,000
Minimum Weekly Benefit	$15
Waiting Period	Your weekly benefit becomes payable the first day you are disabled for disability caused by accidental injury and after 7 days for disability caused by physical disease, pregnancy or mental disorder.
Definition of Disability	For the benefit waiting period and while the Short Term Disability benefits are payable, you are considered disabled if you: • Are unable – as a result of physical disease, injury, pregnancy or mental disorder – to perform with reasonable continuity the material duties of your own occupation, and • Suffer a loss of at least 20 percent of your predisability earnings when working in your own occupation You are not considered disabled merely because your right to perform your own occupation is restricted, including a restriction or loss of license. You will no longer be considered disabled when your earnings from any occupation meet or exceed 80 percent of your predisability earnings.
Maximum Benefit Period	90 days

This is a 100% employer-paid benefit.

Group Long Term Disability insurance from SunLife helps provide financial protection for insured members by promising to pay a monthly benefit in the event of a covered disability.

Other Features and Services:
• 24 hour coverage, including coverage for work-related disabilities
• Employee Assistance Program
• Reasonable Accommodation Expense Benefit
• Rehabilitation Incentive Benefit
• Rehabilitation Plan Provision
• Return to Work Incentive
• Survivors Benefit
• Temporary Recovery Provision
• Waiver of Premium while Long Term Disability benefits are payable

Benefits
Eligibility	This benefit is available to eligible employees. Contact your human resources representative
Monthly Benefit	60 percent of the first $10,000 of monthly predisability earnings, reduced by deductible income (e.g., work earnings, workers’ compensation, state disability, etc.)
Maximum Monthly Benefit	$6,000
Minimum Monthly Benefit	$100
Waiting Period	30 days
Definition of Disability	For the benefit waiting period and the first 24 months that Long Term Disability benefits are payable, you will be considered disabled if, as a result of physical disease, injury, pregnancy or mental disorder: • You are unable to perform with reasonable continuity the material duties of your own occupation, and • You suffer a loss of at least 20 percent of your predisability earnings when working in your own occupation. You are not considered disabled merely because your right to perform your own occupation is restricted, including a restriction or loss of license. After the own occupation period of disability, you will be considered disabled if, as a result of a physical disease, injury, pregnancy or mental disorder, you are unable to perform with reasonable continuity the material duties of any occupation.
Maximum Benefit Period	If you become disabled before age 62, Long Term Disability benefits may continue during disability until age 65. If you become disabled at age 62 or older, the benefit duration is determined by the age when disability begins: Age Maximum Benefit Period 62 3 years 6 months 63 3 years 64 2 years 6 months 65 2 years 66 1 year 9 months 67 1 year 6 months 68 1 year 3 months 69 + 1 year

Provided By

SunLife

Provider Website

https://sunlife.com/us

Customer Service

800.443.2995