2024-BenefitsGuide-V16-Final

Disability Benefits

Disability benefits replace a portion of your income if you are disabled and cannot work.

BASIC SHORT-TERM BENEFIT Reliance Rewards provides basic Short-Term Disability (STD) coverage through The Hartford at no cost to you. The basic STD benefits are 50% of pre-disability earnings. SUPPLEMENTAL STD BENEFIT BUY-UP OPTIONS If you would like a higher level of disability benefit, you can purchase Supplemental STD for a benefit equal to 60% of pre-disability earnings. Your contribution for the buy-up option of short-term or long-term disability benefits will be deducted from your paycheck on a pre-tax basis. If you become disabled, your disability benefit payments will be subject to federal and state income taxes.

LOSS OF INCOME: ARE YOU PREPARED?

EVIDENCE OF INSURABILITY (EOI) You will not be required to submit EOI, or “proof of good health,” when you purchase Supplemental STD and/or LTD during your initial eligibility period. If you are enrolling or electing coverage after your initial eligibility period, you will be required to submit EOI. The coverage amounts requiring EOI will not take effect until The Hartford approves your EOI application. Reliance Rewards provides basic income replacement benefits at no cost to you. But will you and your family be protected if you cannot work? Consider enrolling in the supplemental life, accidental death and dismemberment (AD&D) or disability insurance plans.

SHORT TERM DISABILITY COVERAGE*

• Company-paid • Benefit equals 50% of weekly pre-disability earnings, up to $400 per week

Basic Coverage

• Employee Paid • Benefit equals 60% of weekly pre-disability earnings, up to $2,500 per week

Supplemental Coverage**

Monthly Supplemental Coverage Rates

$0.137 per $10 weekly benefit

Benefit Waiting Period

Begins on 8th day of illness or injury

Maximum Benefit Period

Up to 25 weeks

*Short-TermDisability: If you work in California, Hawaii, New Jersey, New York, Rhode Island, or Puerto Rico, your state provides certain levels of Short-TermDisability coverage, which may affect the benefit amount paid under this plan. Contact your HR representative for details. **If you enroll into Supplemental STD and subsequently become disabled, your monthly premium for this benefit will be waived for the duration of your disability

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