Benefit Summary: Voluntary Long Term Disability
This document provides an overview of voluntary long term disability coverage, detailing contribution types, waiting periods, monthly benefits, and policy effectiveness.
� !"#� $%!&'!($ !� )) � *+ , -. // � ))� #0!&� !)$1$2)!� !'�)#3!!" - 45645 � 47 89: ; 545 � ?� @� A@� ?99BCD� E � : F>G -H � � D� C>>P� 99� A>� � QQRP ; 545 � (:� , J X5 S 7 4� S 5=� "C9� "C:� %A9� &CA� D S. * I 45 ;K 5/ 7� .5Y7� II Y45H Z RD� C>� ??CR� ?� :� >C>?:� :� BCCD� QC� [C� \:� :� AQ9:P� RD� BC99� � \DCC91C@>QQR:A >\]AC9BCCDP
� � !"� # $ #% &'()� *)� +� *,-+� '()� .-'(� ./)� )0� � +� ,� .� */)'1� � &'()� '-� ,� 2(� 3� +� 4))� 5� **'))')� 3� ,� /2')� � *,)1� � 63� +� � � /0� '()� *)� +� /),'/� '()� ,� � /� � +� 678� 9*� � 8,-� &� 3� ,� /'� -� � .� +1� � : ;B
� � � � � � � ! !� � "� � � � � � #� # $%#� � � � !� � � � $� � %#� � " � %� � !&$� � !� %#' � # � � � � � ##� � � # ! # " � # � %� � #� (� � � " � ) � ! #)$� ) � % #)$)% #)� � � � � !� * � +,� &� ( � -%� ( � !� # .� / *0*+ � � ( � !� #� � � .� / � - � !� 1# � $� ! � # � # � � ! � # � � � 01 � � 2� 01 � � # � � � ! !� � %#$� � � � � � %� � � " � � ! � #$� # !� � ! $� " � %$� � , � � � ( � ! � #� � � %!� � $� !� %� � � � "� � !� #� ##� � � 3 ' � 01 � � # % � � �# � � � !� #� # � � % � &� " � %� # �# � #� % � � � %� 4' � 3�005-602$7$0 � � #8� 3�00&-60 � � #8� 3�005- 90 � � #$� 3�00 &- 90 � #8� 3�005- :0 � � #$� � 4� 3�005-00 � � # ;@ABCDE=
� � � � � � � � � !� � � "#� � � � #� � "� "� � � $ � � � %� � � � %� %� % � � � � � � � %& '% %#� � � � � � � � !� � � � #� � � � # " � � � � � #� � "� � � � � � � #� � (� "� � � � #� � � � � � � % & )!� � #� #� � #� � � !� � � � � #� *&+#� � � � ##� %!� � %,� � � #� #� "� � ##� � & -./01 2 %"� � � !� %� � !� (� ( � � !� !,� &� 3#� � � %,� #� � & 4#( � � #� � &� )� %#� %,� !� !� * � !� � � *� � � &� +#� � � � � %!� � 4#� ( � � %#%,"� � %#� %,� & '#!� � � � � � � # � � � #� � # � &� � #� � &