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Long Term Disability -
Standard Insurance Company
January 1, 2002 - December
31, 2002
MEDICAL
DENTAL
VISION
LIFE/AD&D
LTD
STD
FLEX
EAP
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The
following page(s) summarize the main features of your
Group Long Term Disability
Insurance Plan. Should you become insured, the
Certificate of Insurance you receive will contain more
detailed information. The controlling provisions
of the plan are in the master Group Insurance Policy,
and neither this material nor any Certificate, may
modify those provisions or the insurance in any way.
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Class
Description
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A
regular employee of the Employer, actively at work, at
least 18 1/2 hours each week.
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Percentage
Paid |
60% of
the first $10,000 of your monthly Predisability earnings,
reduced by Deductible Income.
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Monthly
Benefit Maximum |
$6,000 before reduction by Deductible Income
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Elimination Period |
60 days
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Benefit Duration |
To age
65
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Own
Occupation Period
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2 year
own occupation
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Pre-Existing
Conditions |
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Definition |
Any condition which existed 3 months prior to your
eligibility date
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When Covered |
After 12 months of continuous coverage
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Total
Disability Required? |
No
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Survivor Benefit |
3 x LTD
Benefit
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Mental & Nervous |
24-month
limitation
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Who
Pays for the Plan? |
Your
employer pays for 100% of the plan
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