Disability 2013 Plan Year The Standard

February APRIL 2010 Short-Term Disability  Works with other income benefits (e.g. Social Security, Workers’ Comp*, State Retirement) to replace 60% of Benefit Salary up to $800 per week  *(Worker’s Comp pays out first before STD)  Waiting period before approved benefits begin depends on level of coverage selected:  30 day wait or 7 day wait

February APRIL 2010 Short-Term Disability  Maximum benefit period depends on the level of coverage selected: 30 day wait = 150 days max 7 day wait = 173 days max

February APRIL 2010 Short-Term Disability  Maximum benefit period depends on the level of coverage selected:  30 day wait  7 day wait  Employees may choose to use sick leave or receive the benefits  NOTE: Georgia Military College allows employees to use sick leave during their waiting period, and then transition onto Short Term Disability once their wait period has expired. If there is not enough sick leave accumulated to use during their waiting period, the employee will go on leave without pay the day the leave begins, or at the time sick leave expires. Employees receiving short term disability pay will be on leave status with the college.

February APRIL 2010 Short-Term Disability Late Entrant  A current employee choosing STD coverage for the first time or re-enrolling after discontinuing coverage is considered a late entrant, unless a disability is caused by an accidental injury  Benefits for STD late entrants who become disabled due to Physical Disease, Pregnancy, or Mental Disorder during the 12-month period after the effective date will not be eligible to receive STD until after they have been disabled for 60 days

February APRIL 2010 Short-Term Disability/Pre-existing Conditions  Short-Term Disability benefits will not be payable for a disability resulting from a pre ‑ existing condition unless the employee has been covered under the Short-Term disability plan for twelve (12) consecutive calendar months

February APRIL 2010 Short-Term Disability Premiums  Premiums are waived as long as a benefit for short- term disability is received  Benefits received from Short-Term disability are not taxable  Premiums paid are an after tax deduction

February APRIL 2010 Long-Term Disability  Works with other income benefits (e.g. Social Security, Workers’ Comp, State Retirement) to replace 60% of Benefit Salary up to $5,000 per month  $100 minimum monthly benefit  180 calendar day elimination period  Max benefit period is to age 67, if disabled before age 61. After 61, benefits are received on an Age Graded schedule  Coordinate with Social Security Normal Retirement Age  No change on current employee claims; only claims initiated on or after January 1, 2013

February APRIL 2010 Long-Term Disability Age Graded Table AGE AT DISABLEMENTMAXIMUM DURATION OF BENEFITS 60 or youngerUp to age 65 61Up to age 65 62For 3 ½ years 63For 3 years 64For 2 ½ years 65For 2 years 66For 1 ¾ years 67For 1 ½ years 68For 1 ¼ years 69For 1 year Over 69For 1 year

February APRIL 2010 Long-Term Disability  Maximum monthly benefit of twenty-four (24) months shall be paid for mental disorders  Long-Term Disability benefits will not be allowed unless the employee has been covered under the Long-Term Disability plan for twelve (12) calendar months

February APRIL 2010 Long-Term Disability Premiums  Premiums are waived as long as a benefit for Long-Term Disability is received  Benefits received from Long-Term Disability are taxable  Premiums paid are a before tax deduction

February APRIL 2010 Disability Incentives  Work Incentive Work part-time while disabled (including elimination period) Receive work earnings & disability benefits For STD: Max 80% of benefit salary For LTD: Max 100% of benefit salary for first 24 months  Rehabilitative Incentive Participation in approved rehab program Disability benefit may increase by 10% Carrier works with doctor to decide training and therapy needed to return to work Services include vocational assessment and job skill retraining

February APRIL 2010 Disability Reminders  Medical Underwriting is not required for: Short-Term Disability Long-Term Disability (if an employee selects coverage, when first eligible)  Long-Term Disability conversion is available for employees who terminate for reasons other than retirement from State service