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Long Term Hourly

Q. 
Do I need to do anything to make sure I get LTD benefits if I'm out?
A. 
If you are on a leave of absence and believe that you will need to be out for longer than 13 weeks, please notify your Human Resources office.  Prudential will evaluate your eligibility for LTD benefits and will process your claim according to Plan provisions. If your claim is approved, it will be moved from STD to LTD by Prudential without additional paperwork necessary from Shaw.
Q. 
How does Prudential define disability?
A. 
You are disabled when Prudential determines that you are:   1) unable to perform the material and substantial duties of your regular occupation due to sickness or injury;   2) you are under the regular care of a doctor; and   3) you are not working at any job.  See the LTD SPD for more information.
Q. 
Do any deductions come out of my disability pay?
A. 
No.  Since the premiums are paid by you with after-tax dollars, they are not considered income that is subject to income taxes.  Because these payments are issued by Prudential, other Shaw benefit premiums will not be deducted even if due.  If you are enrolled in any Shaw benefits that require you to pay your premiums through payroll deductions (such as medical, dental, or the short term disability buy-up benefit), you will receive a Benefits Billing statement.  You are responsible for paying these benefit premiums each month while out on long term disability leave of absence.
Q. 
How long will LTD benefits continue?
A. 
LTD benefits will continue until you are released to return to work.  The maximum length of time a covered hourly associate may receive LTD benefits under this Plan is 5 years.
Q. 
What does this benefit pay?
A. 
If you are out of work for a non-work related injury or illness for longer than 13 weeks and Prudential approves your long term disability claim, this benefit provides 60% of your income up to a maximum benefit of $1,000 per month for Option 1 and $2,000 per month for Option 2.  There are other return to work incentives that will be handled on an individual basis by Prudential's case managers. More details can be found in the hourly LTD summary plan description (SPD).
Q. 
How much are the premiums?
A. 
Shaw offers two tax free options.  Premiums for options are age graded based on the chart below. The rates shown are weekly deductions:

Age <30 30 - 34 35 - 39 40 - 44 45 - 49 50 - 54 55 - 59 60+
Option 1 $0.66 $1.48 $1.48 $2.53 $3.78 $5.66 $8.04 $10.89
Option 2 $0.78 $1.75 $1.75 $2.99 $4.47 $6.68 $9.49 $12.85

Q. 
What are deductible sources of Income?
A. 
Prudential will deduct from your gross disability payment amounts you receive from the following sources of income:  1) Workers’ Compensation;   2) Social security disability benefits ;  3) State compulsory benefit;  or  4)Any other similar plan.  See the Hourly LTD SPD for more information.
Q. 
What is a pre-existing condition?
A. 
The Plan does not cover a disability due to a pre-existing condition.   You have a pre-existing condition if:   1) You received medical treatment, consultation, care or services including diagnostic measures or took prescribed drugs or medicines the 12 months prior to your effective date of coverage;  or 2) you had symptoms for which an ordinarily prudent person would have consulted a health care provider in the 12 months prior to your effective date of coverage.  This applies only if a LTD claim is filed within the first 12 months of becoming eligible for the Plan. See the LTD SPD for more explanation regarding the definition of a pre-existing condition.
Q. 
Who is eligible to participate in the plan?
A. 
All regular, full-time, active hourly associates who have completed their 90 day benefits probationary period are eligible to participate in the hourly long term disability plan.  This Plan is insured and administered by Prudential Insurance Company.  If you do not elect to enroll when you become eligible, you will be asked to provide evidence of insurability for future enrollments.
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