My Disability Insurance Short Term Disability Insurance » Eligible Members (0.5 – 1.0 FTE); Coverage is effective on the 91st day of continuous eligibility. » Employer-paid – no cost to team members. » Short Term Disability (STD) insurance protects a portion of your income if you become partially or totally disabled for a short period of time. GROUP SHORT TERM DISABILITY COVERAGE AMOUNT Up to 60% of basic annual Earnings WHO PAYS Company pays full cost WHEN BENEFITS ARE PAYABLE Following 7 days of illness or injury MAXIMUM BENEFIT DURATION 12 weeks Certain exclusions apply. Please refer to My Bene昀椀ts on our Total Rewards page at fmolhs.org/totalrewards. Long Term Disability Insurance Lincoln Financial Group • LincolnFinancial.com/FMOLHS • 855-818-2883 LONG TERM DISABILITY GROUP CORE LTD GROUP BUY-UP LTD COVERAGE AMOUNT 50% of basic monthly salary 60% of basic monthly salary WHO PAYS Employee & company share cost Employee pays full cost WHEN BENEFITS ARE PAYABLE Following 90 days of disability Following 90 days of disability MAXIMUM MONTHLY BENEFIT $3,000 per month $10,000 per month WHEN EVIDENCE OF INSURABILITY IS REQUIRED Any election after original enrollment period Any election after original enrollment period » Eligible Members (0.8 – 1.0 FTE) » You must participate in the Core Plan to be eligible for the Buy-up option Long Term Disability (LTD) insurance protects a portion of your income if you become partially or totally disabled for a long period of time. You must be disabled for at least 90 days before you can receive a Long Term Disability insurance bene昀椀t payment. Payments will last for as long as you are disabled or until you reach your Social Security Normal Retirement Age, whichever is sooner. If you may be entitled to some other income bene昀椀t, you are required to actively pursue it. Any other bene昀椀ts you receive (such as Social Security Disability, Workers’ Compensation, pension bene昀椀ts or bene昀椀ts from any similar act or plan) will reduce your LTD bene昀椀ts. Certain exclusions, as well as pre-existing condition limitations, may apply. Please refer to My Bene昀椀ts on our Total Rewards website at fmolhs.org/totalrewards. 47