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2015 Benefits Guide
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SHORT TERM DISABILITY INSURANCE
ABC Employer
will continue to offer this benefit to all eligible employees at no cost! Disability Insurance replaces a
portion of your income if you are unable to work due to a disability resulting from an accident or illness. This
coverage is provided through
XXXXX
.
Short Term Disability coverage begins 7 days after an accident or illness and pays you a weekly benefit up to
specified limits. The maximum benefit period is 90 days.
Long Term Disability coverage begins after 90 days of disability (elimination period) and pays you a monthly benefit
up to specified limits. This benefit may be paid to age 65 or until you no longer meet the definition of disability.
Disability is defined as either the inability to perform your own occupation or any gainful occupation which you would
be reasonably fitted considering education, training, and experience, depending on the length of your disability.
Disability, as defined, assumes a loss of income. You must be under the care of a doctor. Please refer to the plan
summary for detailed information on this plan.
LONG TERM DISABILITY INSURANCE