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<h1>Disability Insurance</h1>
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<p style="font-weight: 400;">We offer Disability Insurance through New York Life that replaces a portion of your income in the event of illness or injury. Teammates are eligible for Disability Insurance on the first of the month following 180 days of employment.</p>
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<p style="font-weight: 400;">Short-Term Disability coverage pays you a benefit if you temporarily can’t work because of an injury, illness, or maternity leave. Benefits may be reduced by other sources of income, such as state disability, sick pay, workers’ compensation, Social Security, etc. Upon meeting eligibility requirements, you will be automatically enrolled in this coverage at no cost to you.</p>
<p style="font-weight: 400;">[ninja_tables id="7409"]</p>

<h6 style="font-weight: 400;">*For detailed eligibility and waiting period information, please refer to your plan documents.
**Maximum payment period is based on the first day benefits become payable, not on the first day you are disabled.</h6>
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<p style="font-weight: 400;">Following 180 days of employment, you will have 31 days to elect this benefit, which you pay for.</p>
<p style="font-weight: 400;">Enroll by visiting Workday HR or call an O&amp;M Benefits Solutions Counselor at <strong>(800) 463-3819</strong><strong>. </strong></p>
<p style="font-weight: 400;">Long-Term Disability coverage pays you a certain percentage of your income if you can’t work because an injury or illness prevents you from performing any of your job functions for a long period of time. Benefits may be reduced if you have other sources of income, such as state disability, sick pay, etc.</p>
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<h6 style="font-weight: 400;">*Depending on your age at the time of disability, your benefits may be subject to a different schedule. Refer to the Maximum Benefit Period table, which can be found in your plan documents.</h6>
<p class="p1"><span style="font-size: medium;"><b><span style="color: #872434;">Evidence of Insurability</span></b></span></p>
Long-term disability may require evidence of insurability (EOI). This means you’ll be asked to answer medical-related questions. After electing coverage, you will receive more information if EOI is required.

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<span lang="EN-US">This Benefits Website provides general information for our benefits-eligible teammates; however, more detailed information is available within the plan documents and legal contracts between our company and the insurance providers. In case of any discrepancy between this Benefits Website and the plan documents, <strong><i>t</i><i>he plan documents always govern and determine your exact benefits. In addition, the company reserves the right to modify or terminate any benefit plan at any time. </i></strong></span>Benefits are not a guarantee of employment.

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