Group Short Term Disability Insurance Plan Highlights

www.RelianceStandard.com LRS-9520-1015 Plan Highlights Meyers Nave - Class 1 COVERAGE Disability income protection insurance provides a benefit for short term disability resulting from a covered injury or sickness. Benefits begin at the end of the elimination period and continue while you are disabled up to the maximum benefit duration. ELIGIBILITY All Active Full-Time Principals working 30 hours or more per week, except for any person working on a temporary or seasonal basis. BENEFIT AMOUNT The weekly benefit is an amount equal to 66.67% of covered earnings, up to a maximum benefit of $4,000 per week. DAY BENEFITS BEGIN Injury (accident) and Sickness (illness): benefits begin on the 91st consecutive day of disability or the day following the number of accumulated sick days determined by your employer. MAXIMUM BENEFIT DURATION Benefits for one period of disability will be paid up to a maximum of 13 weeks. CONTRIBUTION REQUIREMENTS Coverage is 100% employer paid. FEATURES  Maternity covered as any other illness  Non-occupational coverage  Partial disability benefit included  Zero Day Residual: You can accumulate time toward the elimination period even while partially disabled  Transfer of Coverage provision  W-2 Services LIMITATIONS  Offsets: Your benefit may be reduced by other income sources such as, but not limited to, Social Security, Workers Compensation, State Disability Plans. EXCLUSIONS Benefits will not be payable for any disability caused or contributed by: an intentionally self-inflicted Injury; an act of war (declared or undeclared); an Injury or Sickness that occurs while confined in any penal or correctional institution; while confined in any penal or correctional institution; committing a felony; caused or contributed to by any of the following: cosmetic surgery or treatment primarily to change appearance; or in vitro fertilization; or embryo transfer procedures; or artificial insemination; or reversal of sterilization; or liposuction; or radial keratotomy. For a comprehensive list of exclusions and limitations, and any applicable benefit offsets, please refer to the Certificate of Insurance. The Certificate also provides all requirements necessary to be eligible for coverage and benefits. This Plan Highlights is a brief description of the key features of the RSL insurance plan. The availability of the benefits and features described may vary by state. It is not a certificate of insurance or evidence of coverage. Insurance is provided under group policy form LRS-6451, et al. Group Short Term Disability Insurance