CINER 2018 Benefit Guide

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Short-Term Disability (STD)
Ciner provides employees with Short-Term Disability
coverage at no cost to you. Aetna administers the plan.
STD insurance can provide income when a disability
prohibits your ability to work. If you qualify for benefits,
you will receive 100% of your base weekly earnings
for a period of time that varies based on your length
of service and 60% of your base pay for the
remaining disability-approved period. Disability
benefit payments begin on the 4th day of an accident
or illness and continue for the duration of the approved
disability but no longer than 26 weeks including the three
day waiting period. See the schedule below for additional
details.
Any benefits you receive will be considered taxable in-
come.
Short-term disability schedule :
UND ER S TAND I NG Questions?
Contact Aetna Life Insurance (Group # 0287425)
800-523-5065 or YOUR WELFARE BENEFITS
Evidence of Insurability Process
If you elect life or disability coverages that require proof of good health or Evidence of Insurability (EOI) for your
coverage to be approved, your request for coverage will prompt Aetna Life Insurance Company to mail you an EOI
packet which contains a web address for you to complete and submit your EOI online. Please follow the instructions to
complete your EOI in a timely manner and avoid any delay in benefit approval. Paper EOI forms are still available for
those who would prefer to utilize a paper form, they can be found in the Library section of the Ciner Benefit Center
website You may also contact the Ciner Benefit Center at 770-375-2300.
Long-Term Disability (LTD)
Ciner provides employees with Long-Term Disability
coverage at no cost to you through Aetna Life Insurance.
The benefit payable is 60% of your monthly pre-disability
earnings up to $13,000 per month. Disability benefit
payments for injuries or illness begin on the 181 st day of an
accident or illness and can continue for the duration of the
approved disability up to your Social Security Normal
Retirement Age. If you become disabled at age 62 or after,
your benefits are payable according to the schedule in your
Booklet- Certificate.
During the first 180 days of your disability, you will not
receive any benefit payment except as approved through the
Short-Term Disability plan. Any benefits you receive will be
considered taxable income.
Supplemental Long-Term Disability (LTD)
Ciner employees may purchase additional Long-Term
Disability coverage through pre-tax dollars which increases
the benefit coverage from 60% to 66 2/3% and the monthly
maximum benefit from $13,000 to $15,000.
Any benefits you receive will be considered taxable in-
come.
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Years of Service Maximum Duration at 100% Maximum Duration at 100%
Less than 1 year 0 weeks 26 weeks*
1 year but less than 5 years 7 weeks* 19 weeks
5 years but less than 10 years 13 weeks* 13 weeks
10 years and over 26 weeks* 0 weeks
*includes the 3-day waiting period which is paid at 100%