Attachment B Current Long Term Disability Benefits.pdf

This document is Attachment B from UnitedHealthcare detailing Long-Term Disability Benefits, which appears to be related to the State of Nebraska's RFP for disability insurance services. The document outlines the key features of a Long-Term Disability plan that pays 60% of an employee's paycheck each month for qualifying disabilities lasting 180 days or longer. The plan includes additional support services such as 24/7 Employee Assistance Program (EAP), return-to-work preparation, and workplace modification benefits. The document contains a rate table for 2024-25 voluntary Long-Term Disability with monthly premiums ranging from $0.050 for employees under 25 to $0.500 for those 70 and over.

The document includes a premium calculation worksheet for employees to determine their monthly costs based on their basic gross annual salary. It specifies a pre-existing conditions exclusion clause and notes that benefit payments may be reduced by other income received during disability. The plan allows for part-time work while receiving benefits and includes resources designed to help employees return to work safely. The document indicates that no evidence of insurability is required when enrolling during initial eligibility periods, which aligns with the State's requirement for true open enrollment.