Plan Highlights: Group Long Term Disability Insurance

www.RelianceStandard.com LRS-9519-1015 Plan Highlights Meyers Nave - Class 2 COVERAGE Disability income protection insurance provides a benefit for long 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 Other Active Full-Time Employees working 30 hours or more per week, except for any person working on a temporary or seasonal basis. CONTRIBUTION REQUIREMENTS Coverage is 100% employer paid. ELIMINATION PERIOD 180 consecutive days of total disability. BENEFIT AMOUNT The monthly benefit is an amount equal to 60% of covered earnings, up to a maximum benefit of $10,000 per month. MAXIMUM BENEFIT DURATION Benefits will not extend beyond the longer of Social Security Normal Retirement Age or Duration of Benefits below: Age at Disablement Duration of Benefits 61 or less To Age 65 62 3 1/2 Years 63 3 Years 64 2 1/2 Years 65 2 Years 66 1 3/4 Years 67 1 1/2 Years 68 1 1/4 Years 69 or more 1 Year FEATURES  Extended Disability Benefit  Military Services Leave of Absence  FMLA Continuation  Minimum Benefit Payable – $100  Own Occupation Coverage – 24 months  Rehabilitation Provision  Residual and Partial Disability  Specific Indemnity Benefit *This policy includes a limitation benefit schedule for disbursement  Survivor Benefit – 3 months  Work Incentive & Child Care Provisions  Worksite Modification Benefit VALUE-ADDED SERVICES  Employee Assistance Program  Travel Assistance Services  ID Theft Recovery Services LIMITATIONS  Mental/Nervous Illness Limitation – 24 months outpatient  Substance Abuse Limitation – 24 months  Offsets: your benefit may be reduced by other income sources such as, but not limited to, Social Security, Workers Compensation, State Disability Plans  Pre-Existing Condition Limitation – 3/12 EXCLUSIONS Benefits will not be payable for any disability caused or contributed to by: an intentionally self-inflicted injury; an act of war; commission of a felony; or for injury or sickness occurring while confined in any penal or correctional institution. Exclusions and Limitations may vary from state to state For a comprehensive list of exclusions and specific 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‐6564, et al. Group Long Term Disability Insurance