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Short Term Disability: Exempt Employees

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Short Term Disability: Exempt Employees

Eligibility Minimum Hourly Requirement

You are eligible if you are an exempt full-time faculty or staff member working a minimum of 35 hours per week

Waiting Period for Benefits 6 months from date of hire

Elimination period There is no elimination period. Benefits will commence on the 1st day for injury or sickness.

Benefit Percentage Week 1-14: 100% of your Base Weekly Earnings Week 15-26: 60% of your Base Weekly Earnings

Maximum Duration 26 weeks

Definition of Earnings Base Salary

Successive Periods of Disability

If you become disabled for the same condition within 90 days following your prior disability, your benefits will continue under the same claim.

Exclusions Workers Compensation and disability due to commission or attempt to commit a felony.

Contribution 100% Employer Paid

The above information provides highlights of your plan. It does not and is not intended to cover the program in detail. If a conflict exists between a statement in this document and any provision in the policy, the policy will govern.

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Short Term Disability: Non- Exempt Employees

Eligibility Minimum Hourly Requirement

You are eligible if you are a non-exempt full-time staff member working a minimum of 35 hours per week

Waiting Period for Benefits 6 months from date of hire Elimination period 10 work days

Benefit Percentage Week 1-2: Elimination period use sick time available Week 3-14: 100% of your Base Weekly Earnings Week 15-26: 60% of your Basic Weekly Earnings

Maximum Duration 26 weeks (including the elimination period) Definition of Earnings Base Salary

Partial Disability Partial disability benefits can be payable if you are totally or partially disabled for at least 10 work days and suffer a 20% or greater loss of earnings.

Successive Periods of Disability

If you become disabled for the same condition within 90 days following your prior disability, you will not need to satisfy a new 10 work day elimination period.

Exclusions Workers Compensation and disability due to commission or attempt to commit a felony.

Contribution 100% Employer Paid

The above information provides highlights of your plan. It does not and is not intended to cover the program in detail. If a conflict exists between a statement in this document and any provision in the policy, the policy will govern.

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Family and Medical Leave Act (FMLA)

Eligibility and Service Time Requirements

You are eligible if you have been employed by DePaul for at least 12 months and have at least 1,250 hours of active employment during the 12 month period immediately preceding the start of the leave.

Entitlement/Benefit Duration 12 weeks in 12 month period (26 weeks if caring for a family member in the Armed Forces)

Benefit 12 weeks of unpaid job-protected leave unless coordinated with Short Term Disability or sick pay or if vacation time applied.

Leave Types Continuous (3 or more days) or Intermittent Leave Reasons  Employee’s own serious health condition

 Immediate family members serious health condition

 Birth and care of a child, or the placement of a child with an employee for adoption or foster care

 Providing support to family member in Armed Forces Definition of Family Member Spouse, dependent son or daughter, parent

The above information provides highlights of your plan. It does not and is not intended to cover the program in detail. If a conflict exists between a statement in this document and any provision in the policy, the policy will govern.

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Long Term Disability: Full-time employees

Eligibility Minimum Hourly Requirement

You are eligible if you are a Full-time Employee in a position classified as: faculty or staff, excluding employees who are covered by a collective bargaining agreement and independent contractors. You must work a minimum of 35 hours per week.

Waiting Period for Benefits None

Elimination period The greater of the end of STD or 180 days

Benefit Percentage 66.67% of Base Monthly Earnings less other income benefits to a Maximum Monthly Benefits of $10,000

Definition of Earnings Base Salary

Minimum Monthly Benefit Greater of $100 or 10% of your Basic Monthly Earnings Definition of Disability For the first 24 months of benefits, the inability to perform the

material duties of your "own occupation"- after that, it is "any occupation" based on your training, education and experience.

Pre-Existing Condition Exclusion

Benefits are not payable for pre-existing conditions if you become disabled from that condition in the first 12 months after becoming insured. Pre-existing condition means a condition resulting from an Injury or Sickness for which the Covered Person is diagnosed or received treatment within 6 months prior to the Covered Person’s Effective Date.

Partial Disability Loss of Earnings with 12 month work incentive

Survivor Benefit Lump sum payment equal to three months of net benefits paid to an eligible survivor if you are receiving a benefit and have been disabled for 12 months.

Successive Periods of If you become disabled for the same condition within 12 months following your prior disability, you will not need to satisfy a new

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Basic Life Insurance: Full-time Employees

Eligibility You are eligible if you are a Full-time Employee in a position classified as: faculty or staff, excluding employees who are covered by a collective bargaining agreement and independent contractors. You must work a minimum of 35 hours per week.

Waiting Period None

Basic Life Amount of Insurance 1.5 times annual earnings up to maximum of $300,000 Basic Life Reduction Schedule

Age 65-69: 1.0 times annual earnings, $200,000 max Age 70-74: 0.75 times annual earnings, $150,000 max Age 75+: 0.5 times annual earnings, $105,000 max Accelerated Death Benefit If you have a life expectancy of 12 months or less you may

request up to 75% of your coverage amount while still living to a maximum of $500,000. The minimum that can be requested is 10% of your coverage amount or $5,000.

Basic Annual Earnings Base annual salary

Waiver of Premium In the event you become totally disabled prior to age 70, you may be eligible to continue your group life insurance. You may apply for the waiver after 6 months of being totally disabled and waiver will term at age 70.

Conversion and Portability If all or part of your coverage ends, you may port your coverage into an individual term life policy or convert your policy to an individual whole-life insurance policy.

Contributions 100% Employer Paid

The above information provides highlights of your plan. It does not and is not intended to cover the program in detail. If a conflict exists between a statement in this document and any provision in the policy, the policy will govern.

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Basic Life Insurance: Part-time employees

Eligibility Class 1: Active part-time faculty Class 2: Active part-time staff

Employees who are covered by a collective bargaining agreement and independent contractors are excluded. You must be deemed health and welfare benefits eligible by meeting the minimum requirements outlined below.

Minimum Hours Class 1: Taught at least six 4-credit hour courses (or the equivalent) in the previous academic year (or seven courses including the summer session) and are anticipated to teach the same number of courses for the upcoming academic year.

Class 2: Worked at least 1,000 hours in the previous calendar year based on payroll records and who are expected to work at least 1,000 hours in the upcoming calendar year.

Waiting Period Class 1: 1 year of continuous service (determined by academic year, September to June).

Class 2: 1 year of continuous service (determined by calendar year, January to December).

Basic Life Amount of Insurance 1.5 times annual earning up to maximum of $300,000 Basic Life Reduction Schedule

Age 65-69: 1.0 times annual earnings, $200,000 max Age 70-74: 0.75 times annual earnings, $150,000 max Age 75+: 0.5 times annual earnings, $105,000 max

Accelerated Death Benefit If you have a life expectancy of 12 months or less you may request up to 75% of your coverage amount while still living to a maximum of

$500,000. The minimum that can be requested is 10% of your coverage amount or $5,000.

Basic Annual Earnings Bass annual salary

Waiver of Premium In the event you become totally disabled prior to age 70, you may be eligible to continue your group life insurance. You may apply for the waiver after 6 months of being totally disabled and waiver will term at

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Optional Life, Optional AD&D, and Optional Dependent Life

Employee Eligibility: You are eligible if you are a Full-time Employee in a position classified as: faculty and staff, excluding employees who are covered by a collective bargaining agreement and independent contractors. You must work a minimum of 35 hours per week.

Waiting Period: None

Optional Employee Life and AD&D Coverage Amount:

An amount equal to 1, 2, 3, 4, or 5 times your annual earnings not to exceed $500,000.

The non-medical maximum is 1, 2, or 3 times your annual

earnings. If you elect for more than 3 times your annual earnings, you will be required to submit a medical questionnaire and be approved by Liberty.

Late Applicant: If you declined coverage before and wish to enroll now, you will need to submit a medical questionnaire and be approved for any amount you elect.

Waiver of Premium: In the event you become totally disabled prior to age 70, you may be eligible to continue your group life insurance. You may apply for the waiver after 6 months of being totally disabled and waiver will term at age 70.

Conversion and Portability If all or part of your coverage ends, you may port your coverage into an individual term life policy or convert your policy to an individual whole-life insurance policy.

Dependent Life Insurance and AD&D Coverage Amount:

Spouse:

Option 1: $10,000 Option 2: $20,000

Child: Live Birth to age 26:

Option 1: $5,000 Option 2: $10,000

Contributions: 100% Employee paid

The above information provides highlights of your plan. It does not and is not intended to cover the program in detail. If a conflict exists between a statement in this document and any provision in the policy, the policy will govern.

References

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