Benefits Handbook

You may be eligible for benefits from the Long Term Disability Bonus Income Plan if your mental health condition prevents you from performing your job. As with any disability, you must satisfy the requirements of an eligible disability, and your disability must be approved by the Claims Administrator.

If you become disabled (as determined by the Claims Administrator) on or after January 1, 2006 because of a mental health condition that results from any cause, then, subject to all other Plan provisions, benefits will be payable:

Mental health condition means any psychological, behavioral or emotional disorder or ailment of the mind, including physical manifestations of psychological, behavioral or emotional disorders, but excluding demonstrable, structural brain damage.

No, if you were approved for Short Term and/or Long Term Disability Bonus Income Plan by the Claims Administrator prior to January 1, 2006, you are not subject to the 24-month (excluding the first six months under the Short Term Disability Plan) Long Term Disability Bonus Income Plan benefit limit on non-confined treatment for a mental health condition.

If however, you were approved for Short Term and/or Long Term Disability Bonus Income Plan benefits for non-confined treatment for a mental health condition prior to January 1, 2006, you return to work for at least six months, and then you become disabled again for the same mental health condition on or after January 1, 2006, you are subject to the 24-month (excluding the first six months under the Short Term Disability Plan) Long Term Disability Bonus Income Plan benefit limit on non-confined treatment for a mental health condition.

Periods of non-confined treatment for substance abuse count toward the 24-month (excluding the first six months under the Short Term Disability Plan) Long Term Disability Bonus Income Plan benefit limit on non-confined treatment for mental health conditions.

You may be eligible for benefits from the Long Term Disability Bonus Income Plan if your substance abuse problem prevents you from performing your job. As with any disability, you must satisfy the requirements of an eligible disability, and your disability must be approved by the Claims Administrator.

If you become disabled (as determined by the Claims Administrator) on or after January 1, 2006 because of alcoholism or the non-medical use of narcotics, sedatives, stimulants, hallucinogens, or any other such substance then, subject to all other Plan provisions, benefits will be payable:

No, if you were approved for Short Term and/or Long Term Disability Bonus Income Plan by the Claims Administrator prior to January 1, 2006, you are not subject to the 24-month (excluding the first six months under the Short Term Disability Plan) Long Term Disability Bonus Income Plan benefit limit on non-confined treatment for substance abuse.

If however, you were approved for Short Term and/or Long Term Disability Bonus Income Plan benefits for non-confined treatment for a substance abuse problem prior to January 1, 2006, you return to work for at least six months, and then you become disabled again for the same substance abuse problem on or after January 1, 2006, you are subject to the 24-month (excluding the first six months under the Short Term Disability Plan) Long Term Disability Bonus Income Plan benefit limit on non-confined treatment for a substance abuse problem.

Periods of non-confined treatment for substance abuse count toward the 24-month (excluding the first six months under the Short Term Disability Plan) Long Term Disability Bonus Income Plan benefit limit on non-confined treatment for mental health conditions.