MetLife Short Term Disability Plan

This insurance provides for payment of a monthly disability benefit to replace up to 60% of earnings lost by employees who are totally disabled because of an injury or sickness and are unable to work. Benefit payments begin the first day following an accident and on the eighth day due to a sickness. The maximum monthly benefit is $3,000.

Eligibility
All active full-time employees (30 hours or more per week) are eligible to apply for this plan.

Features
• Group Premium Rates - Special low group rates are available to all employees. Premiums cannot be individually increased due to change in health.
• Guarantee Issue - Newly eligible employees will be guaranteed the coverage for which he or she qualifies up to $3,000 subject to the 3/12 pre-existing condition clause.*
• Unisex Rates - Equitable rates for all.
• Payroll Deduction - Premiums are paid by convenient payroll deduction.
• Elimination Period - 0 days accident, 7 days sickness.
• Duration of Benefits - 3 months, 6 months or 12 months.
• Covers Pregnancy - Pregnancy paid same as sickness if conception is after the coverage effective date.
• Effective Date of Insurance - An employee's insurance will be made effective on the first day of the calendar month following the date his or her application is approved, provided the employee is "actively at work."
• Benefits Payable Regardless of Other Insurance
• Summer Months, Weekends and Holidays are Covered
• Partial Disability Benefits Available
• Benefits Paid Directly to You

*See following page for definition of pre-existing condition.

(Please note that the salary used at time of enrollment is based on the 2005-2006 salary information received from Davidson County Schools).

Benefits Provided

Definition of Disability
"Disabled" or "Disability" means that, due to sickness, pregnancy or accidental injury, you:

1. are receiving Appropriate Care and Treatment from a Doctor on a continuing basis; and

2. are unable to earn more than 80% of your Predisability Earnings at your Own Occupation for any employer in your Local Economy.

Your loss of earnings must be a direct result of your sickness, pregnancy or accidental injury. Economic factors such as, but not limited to, recession, job obsolescence, pay cuts and job-sharing will not be considered in determining whether you meet the loss of earnings test.

Work Incentive
While you are Disabled, you are encouraged to work or participate in a rehabilitation program during your Elimination Period or while Weekly Benefits are being paid to you. Reimbursement for Eligible Family Care Expenses may also be available when you work or participate in an approved Rehabilitation Program while Disabled.

When you work while Disabled, you will receive the sum of the following amounts:

1. your Weekly Benefit (including your Rehabilitation Incentive when applicable);

2. the amount of your earnings for working while Disabled.

Limitations and Exclusions
Benefits will not be paid for disability due to:
• any act of war, declared or undeclared, or participation in an insurrection, rebellion or riot;
• an intentionally self-inflicted injury;
• a commission of, or attempt to commit an assault , battery, or felony, or engagement in any illegal occupation.

Pre-existing condition limitation*
A Pre-Existing Condition is an injury, sickness, or pregnancy for which the employee in the past 3 months before the effective date: received medical treatment, consultation, care, services, took prescription medications or had medications prescribed; No benefits would be payable under the plan in connection with a disability that is due to a pre-existing condition unless the employee’s elimination period started after they were employed under the plan for 12 consecutive months.

(This is a brief description of your coverage and is not a contract. Read your certificate for exact terms and conditions.)

MetLife Short Term Disability Rates
Rates for Class I Employees*

*Teacher, Teacher Aides and Administration
All benefits will be paid out on a weekly basis.

 

MetLife Short Term Disability Rates
Rates for Class II Employees**

Benefit Duration: 90 Days			Benefit Duration: 180 Days			Benefit Duration: 365 Days
Monthly Benefit	Monthly Premium		Monthly Benefit	Monthly Premium		Monthly Benefit	Monthly Premium
$500	$21.55		$500	$24.55		$500	$31.35
$600	$25.86		$600	$29.46		$600	$37.62
$700	$30.17		$700	$34.37		$700	$43.89
$800	$34.48		$800	$39.28		$800	$50.16
$900	$38.79		$900	$44.19		$900	$56.43
$1,000	$43.10		$1,000	$49.10		$1,000	$62.70
$1,100	$47.41		$1,100	$54.01		$1,100	$68.97
$1,200	$51.72		$1,200	$58.92		$1,200	$75.24
$1,300	$56.03		$1,300	$63.83		$1,300	$81.51
$1,400	$60.34		$1,400	$68.74		$1,400	$87.78
$1,500	$64.65		$1,500	$73.65		$1,500	$94.05
$1,600	$68.96		$1,600	$78.56		$1,600	$100.32
$1,700	$73.27		$1,700	$83.47		$1,700	$106.59
$1,800	$77.58		$1,800	$88.38		$1,800	$112.86
$1,900	$81.89		$1,900	$93.29		$1,900	$119.13
$2,000	$86.20		$2,000	$98.20		$2,000	$125.40
$2,100	$90.51		$2,100	$103.11		$2,100	$131.67
$2,200	$94.82		$2,200	$108.02		$2,200	$137.94
$2,300	$99.13		$2,300	$112.93		$2,300	$144.21
$2,400	$103.44		$2,400	$117.84		$2,400	$150.48
$2,500	$107.75		$2,500	$122.75		$2,500	$156.75
$2,600	$112.06		$2,600	$127.66		$2,600	$163.02
$2,700	$116.37		$2,700	$132.57		$2,700	$169.29
$2,800	$120.68		$2,800	$137.48		$2,800	$175.56
$2,900	$124.99		$2,900	$142.39		$2,900	$181.83
$3,000	$129.30		$3,000	$147.30		$3,000	$188.10

**Cafeteria Workers, Maintenance and Bus Drivers
All benefits will be paid out on a weekly basis.