Short Term Disability

Non-Occupational Weekly Accident and Sickness Benefits

These benefits will be payable if, while covered under the Plan and as a result of non-occupational accident or sickness, you become totally disabled and are under the care of a physician legally licensed to practice medicine.

Benefits are payable at the rate of $210 a week beginning on the first day in case of total disability due to an accident or hospitalized sickness and on the eighth day in the case of total disability due to non-hospitalized sickness.  However, if sickness continues for more than 28 days, benefits will begin on the fourth day of total disability rather than on the eighth day.  Benefits will continue, during disability, for a maximum of 39 weeks for any one continuous period of disability, whether from one or more causes.

Periods of disability must be separated by your return to active work on a full-time basis for at least two weeks in order to be considered as separate disabilities, with the exception of the following situation: you return to active, full-time work for at least one day and become disabled for causes entirely unrelated to the cause of the first disability.

For any week that temporary and total disability benefits are payable under State Workers Compensation Law, such payments will be supplemented by an amount equal to the difference, if any, between such weekly payment and the Non-Occupational Weekly Accident and Sickness Benefit, provided the Company recognizes the disability to be work-incurred and that the disability commenced on or after January 1, 1981.  There is no change in the terms or conditions of the Non-Occupational Weekly Accident and Sickness Benefit, including the duration of such benefits, except to provide a Workers Supplement.

These benefits will terminate at commencement of benefit under the Pension or Permanent and Total Disability Benefit Plans.

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