FINANCIAL WELLNESS Individual Short-term Disability Individual short-term disability insurance, offered through Unum, provides income replacement when you are unable to work due to a short term, non-occupational injury. Benefits are paid monthly and are based on a percentage of earnings. Benefits are in addition to state disability and other payments for which you may be eligible. Rates are shown on the enrollment website. How It Works When you enroll, you choose a benefit of 20%, 30%, or 40% of your basic monthly earnings. If you become disabled and your claim for disability is approved, the plan pays the monthly benefit you selected at the time of your enrollment. Benefits begin after a 30-day waiting period (known as the elimination period) and continue for as long as you are disabled, up to six months. Please note, coverage increases are not automatic with increases in your salary. If you want to increase your monthly benefit due to an increase in your salary, you must contact BCI by calling 888-659-2573 or by visiting www.electbenefits.com/scripps. Quick Facts ELIGIBILITY • F ull-time and part-time benefit-eligible employees are eligible on date of hire or when approved by carrier OPTIONS • C hoose between three benefit options: 20%, 30%, or 40% of basic monthly earnings after a 30-day elimination period ENROLLMENT/CHANGE • Y ou may enroll through Benefit Communications, Inc. (BCI) online at www.electbenefits.com/scripps • Y ou may make coverage changes by calling Unum at 800-635-5597 RESOURCES • Benefit Communications, Inc. (BCI) – 888-659-2573: for questions about coverage or assistance accessing the enrollment website • Unum – 800-635-5597: for coverage questions or to submit a claim Note: Scripps is not a plan sponsor or fiduciary for individual short-term disability insurance, and it is not covered under ERISA. Scripps does not endorse, recommend, or guarantee this coverage or the accuracy of any of the statements made in the carrier’s printed materials or website. Coverage Options • Option 1: 20% of earnings • Option 2: 30% of earnings • Option 3: 40% of earnings Coverage is rounded to the next higher $100. The minimum monthly benefit is $400, and the maximum monthly benefit is $5,000. Key Plan Features • No pre-existing conditions limitations • Your individual short-term disability is not integrated with income from other sources • Coverage for mental illness is included at 50% of the benefit amount (100% for CA and VT) Covered Conditions and Injuries This insurance covers a variety of conditions and injuries. Here are some common reasons people use Individual Short-term Disability Insurance: • Normal pregnancy • Back disorders • Injuries • Digestive disorders • Joint disorders Evidence of Insurability (EOI) Rules No health questions are required for coverage up to 40% of earnings to a maximum of $5,000 per month. Underwritten by Unum Life Insurance Company of America, Portland, Maine. The policy has exclusions or limitations which may affect any benefits payable. See the actual policy for specific provisions and details of availability. 49
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