Your LTD benefits are insured by Guardian.

Effective Date: 2/1/18 – 1/31/20

Monthly Volume: 60% of monthly earnings

Guaranteed Issue: There is no guaranteed issue. All amounts are approved.

Maximum Amount: $7,500

Waiting Period:

• Benefits begin on day 91 for an accident
• Benefits begin on day 91 for an illness

Maximum Payment Period: Social Security Normal Retirement Age

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To view a complete breakdown of your LTD plan, please see the Guardian’s Summary of Benefits.

For more information, please visit Guardian.