Disability Coverage


Eligibility and Enrolling	You are eligible for the STD Plan and for the LTD Plan if you are an active full-time or an active part-time employee, you are regularly scheduled to work at least 20 hours per week, and you are employed in the United States, or you are a U.S. employee temporarily working abroad. You are automatically enrolled for STD coverage and for basic LTD coverage on the first day you are eligible. If you enroll within 31 days of becoming eligible for the LTD Plan, you can enroll for supplemental coverage without providing medical evidence of insurability. Otherwise, evidence of insurability is required before supplemental coverage can begin. You are not eligible for STD, basic LTD, or supplemental LTD coverage if you belong to one of the groups listed under Individuals Not Eligible in the Summary Plan Description.
Your Cost of Coverage	The Corporation pays the full cost of your STD and basic LTD coverage. If you enroll for supplemental LTD coverage, you pay for your coverage through after-tax payroll deductions. The premium is based on the amount of your supplemental benefit as a percentage of your eligible compensation. The current cost is $0.28 per $100 of your monthly compensation.