Attachment B Current Long Term Disability Benefits.pdf

Attachment B is a document from UnitedHealthcare detailing Long-Term Disability Benefits for a state contract opportunity with the State of Nebraska. The document outlines a voluntary long-term disability insurance plan that provides monthly income replacement ranging from $0.080 to $0.500 based on an employee's age, with coverage for employees who are unable to work due to illness or injury for an extended period. The plan offers 60% of an employee's paycheck each month for 180 days or longer, with additional support services including 24/7 Employee Assistance Program (EAP), return-to-work preparation, and workplace modification benefits.

The premium calculation section provides a step-by-step process for determining monthly costs, with coverage up to $150,000 of annual salary. A notable feature is the pre-existing conditions exclusion, where UnitedHealthcare will not cover disabilities that begin during the first 12 months after the effective date of insurance if caused by a pre-existing condition. The document highlights that almost half of American adults cannot pay an unexpected $400 bill without financial assistance, positioning this long-term disability plan as a critical financial protection tool for employees. The plan is 100% voluntary, with employees paying full premiums, and offers income protection with monthly payments and personal claim support throughout the disability process.