Senior Living Handbook 2018

GROUP LIFE INSURANCE

All regular full-time and part-time team members are eligible for group term life insurance with an accidental death and dismemberment provision on the 1 st day of the month following 60 days of continuous employment.

VOLUNTARY & PERMANENT LIFE INSURANCE OPTIONS

HHHunt provides choices for team members who desire additional life insurance coverage at the expense of the team member. Enrollment in an offered permanent life insurance plan is conducted by a licensed insurance agent who will contact eligible team members on behalf of HHHunt. Supplemental term life is available during initial benefit enrollment.

SHORT-TERM DISABILITY (STD)

HHHunt provides at no cost to all regular part-time and full-time team members STD coverage the first of the month after 60 days of continuous service. If you are not actively at work on the day the coverage would otherwise begin, coverage will begin on the date you return to work. STD provides a benefit designed to partly replace income lost during periods of disability. The benefit pays 66.67% of your base salary during the time of disability once approved by the carrier. These benefits are payable while the disability continues, or until the maximum benefit period ends. STD does not take effect until after the seventh calendar day you are absent from work, however sick or vacation leave may be used during this period. In order to receive benefits from this plan, you must file a claim for benefits. A qualified Medical Practitioner must certify that you are disabled and unable to work. Benefit payments cannot begin until the claim has been properly filed with and accepted by the carrier. HHHunt makes available a LTD benefit to all regular full-time team members the first of the month after 60 days of continuous service. LTD provides income protection once STD benefits have been exhausted. LTD is designed to provide 60% of income for team members who have been continually disabled for a designated period of time. The team member is responsible for 100% of the cost of this benefit. Under the provisions of Section 125 of the Internal Revenue Service Code, your deductions for medical and dental insurance premiums will be deducted from your gross pay before federal, state, and social security withholding taxes are applied. The same applies to withholding for your Flexible Spending Accounts (FSA). This method of paying your share of medical and dental insurance premiums reduces your taxable income and will provide you greater net take-home pay than the traditional method of paying premiums from after-tax pay. LONG-TERM DISABILITY (LTD) SECTION 125

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