Benefits at a Glance

• Monthly Benefit: You may select any monthly benefit amount up to the amount available for your salary range, not to exceed 60%. (Refer to Premium Table). The maximum benefit payable is $5,000 per month.

• Elimination Period: Benefits begin the 181st day of disability.

• Monthly Benefit Adjustments: Adjustments due to salary and age bracket changes can be made on the Anniversary Date.

• Integration of Benefits: The benefit amount is reduced by other income payable for that same disability (Workers Compensation, other group disability insurance and employer or government retirement benefits, including Social Security, Teachers' Retirement Plan and Public School Employee's retirement plan disability benefits).  However, the minimum monthly benefit is $100.

• Maternity Benefits: Paid the same as for an illness.

• Mental Illness, Alcoholism or Drug Abuse benefit: A maximum of 24 months will be payable for disability, if you are not hospitalized.

• Survivor Benefits: If you are disabled and a monthly benefit is payable at the time of your death, your survivor will receive 3 times the monthly benefit.

• Exclusions: Benefits are not paid to a disabled employee who is not under the care of a licensed physician, or whose disability is the result of a self-inflicted injury or an act or hazard of declared or undeclared war.  Disabilities caused by pre-existing conditions are not covered, unless (1) the insured is treatment free for 6 consecutive months on or after the effective date of coverage, or (2) the disability begins more than 24 months after the effective date of coverage.

• Pre-existing Condition: Is any condition, including pregnancy, for which medical advice, care, diagnosis or treatment was recommended or received, or for which prescription drugs were taken, within 12 months before coverage begins.

• Definition of Disabled Employee: One who, because of an illness or injury, is unable to perform all the material duties of his/her regular occupation; and who, after receiving monthly benefits for 24 months, is unable to perform all the material duties of any occupation for which he/she may reasonably become qualified based on education, training or experience.  An employee engaged in any occupation for pay or profit is not considered to be disabled.

Estimated Monthly Premiums

Exact Payroll Deduction costs are based annual salary and age on last birthday as of January 1st.

Monthly Salary Range	Monthly Benefit Amount	Age <30	Age 30-39	Age 40-44	Age 45-49	Age 50-54	Age 55 & Over
Up to $599.99	$300	.60	1.20	1.95	3.10	4.10	5.00
$600 - $749.99	$400	.80	1.60	2.60	4.13	5.47	6.67
$750 - $899.99	$500	1.00	2.00	3.25	5.17	6.83	8.33
$900 - $1099.99	$600	1.20	2.40	3.90	6.20	8.20	10.00
$1100 - $1299.99	$700	1.40	2.80	4.55	7.23	9.57	11.67
$1300 - $1499.99	$800	1.60	3.20	5.20	8.27	10.93	13.33
$1500 - $1699.99	$900	1.80	3.60	5.85	9.30	12.30	15.00
$1700 - $1899.99	$1000	2.00	4.00	6.50	10.33	13.67	16.67
$1900 - $2299.99	$1200	2.40	4.80	7.80	12.40	16.40	20.00
$2300 - $2599.99	$1400	2.80	5.60	9.10	14.47	19.13	23.33
$2600 - $2999.99	$1600	3.20	6.40	10.40	16.53	21.87	26.67
$3000 - $3400.99	$1800	3.60	7.20	11.70	18.60	24.60	30.00
$3500 - $3999.99	$2100	4.20	8.40	13.65	21.70	28.70	35.00
$4000 - $4499.99	$2400	4.80	9.60	15.60	24.80	32.80	40.00
$4500 - $4999.99	$2700	5.40	10.80	17.55	27.90	36.90	45.00
$5000 - $5499.99	$3000	6.00	12.00	19.50	31.00	41.00	50.00
$5500 - $5999.99	$3600	6.60	13.20	21.45	34.09	45.11	55.00
$6000 - $6499.99	$3600	7.20	14.40	23.40	37.19	49.21	60.00
$6500 - $6999.99	$3900	7.80	15.60	25.35	40.29	53.31	65.00
$7000 - $7499.99	$4200	8.40	16.80	27.30	43.39	57.41	70.00
$7500 - $7999.99	$4500	9.06	18.00	29.25	46.49	61.52	75.00
$8000 - $8333.33	$4800	9.60	19.20	31.20	49.58	65.62	80.00
$8334 - & Over	$5000	10.00	20.00	32.50	51.65	68.35	83.35

This benefit is insured by ING Employee Benefits.
Refer to your certificate of coverage or the master policy contract for exact provisions and specifications.