Randolph County Schools, NC | Plan Year: November 1, 2008 - October 31, 2009

Disability Plan       Disability is a Fact of Life   Disability Plan Details   Rates         Continental American                               Please call your Personnel Office for all questions concerning this plan.

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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 and continue during total disability up to the maximum duration provided by the Plan up to one year. The maximum monthly benefit is $3,000.

Eligibility
All active full-time employees (30 hours or more per week) under age 70 who have completed three (3) months of continuous employment 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 $1,200.
• 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 - Total Disability - 3 months, 6 months or 12 months.
• Covers Pregnancy - Pregnancy paid same as sickness if conception is after the coverage effective date.
• Waiver of Premium - Premium payments are waived after 90 days of total disability.
• Individual Certificate - Each insured employee will receive an individual certificate, and an employee's insurance cannot be individually canceled.
• 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

Benefits Provided

Total Disability Benefits
We will pay a monthly benefit for total disability during a period of disability as follows:

1. Benefits start on the day following the Elimination Period elected.
2. Benefits will continue to be paid for days of total disability; but they will not be paid beyond the applicable maximum benefit period for total disability.

Partial Disability Benefits
We will pay a monthly benefit for partial disability during a period of partial disability which immediately follows a period for which you received total disability benefits from this plan as follows:

1. Benefits start on the day following the last day for which benefits were payable for total disability.
2. Benefits will continue to be paid at 50% of the monthly benefit for total disability on the following basis:

• The three month benefit period will pay partial disability benefits for up to 30 days.
• The six month benefit period will pay partial disability benefits for up to 60 days.
• The twelve month benefit period will pay partial disability benefits for up to 90 days.

Portability Privilege
When your coverage would otherwise terminate under this plan because you end employment with the Employer, you may elect to continue your disability income coverage for a period of up to 18 months and without submitting evidence of insurability provided the group policy remains in force. But you must have been continuously insured for at least twelve (12) months under this Plan just before the date your employment terminated. The coverage you may continue is the same Monthly Benefit for Total Disability shown in your schedule and elimination period you had on the date your employment terminated.

1. To keep your insurance in force the insured must:
• make written application to the company within 31 days after the date your insurance would otherwise terminate;
• pay the required premium to the company no later than 31 days after the date your insurance would otherwise terminate;
• be employed full time, 30 hours or more per week, within 60 days of the termination of your employment with the employer, in a similar occupation.

2. Insurance will cease on the earliest of these dates:
• the date the employee failed to pay any required premium;
• the date the employee retires;
• the date this group policy is terminated;
• the date the employee becomes insured under any other disability income plan; u the date following 18 months of coverage under this portability privilege.

3. Coverage may not be continued for any of the following reasons:
• the insured is disabled under the terms of the definition of disability, or upon recovery of such disability if the insured does not return to active full-time work with this employer;
• the insured failed to pay any required premium;
• the insured retires;
• the insured is on an approved leave of absence;
• the insured is or becomes covered under any other disability income plan, or
• this group policy terminates.

If you qualify for this portability privilege as described, then the same monthly benefit for total disability, elimination period, benefit period, plan provisions and premium rate as shown in your certificate as previously issued will apply.

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;
• travel in, jumping or descent from any aircraft, except when a fare-paying passenger in a licensed passenger aircraft;
• mental or emotional disorders without demonstrable organic disease;
• alcoholism or drug addiction.

Pre-existing Condition Limitation
Pre-existing Condition means a sickness or physical condition which, within the 12 month period prior to the Effective Date of your certificate, resulted in your receiving medical advice or treatment.

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

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