Short Term Disability: Exempt Employees

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1 Short Term Disability: Exempt Employees Eligibility Minimum Hourly Requirement Waiting Period for Benefits Elimination period Benefit Percentage Maximum Duration Definition of Earnings Successive Periods of Disability Exclusions Contribution You are eligible if you are an exempt full-time faculty or staff member working a minimum of 35 hours per week 6 months from date of hire There is no elimination period. Benefits will commence on the 1st day for injury or sickness. Week 1-14: 100% of your Base Weekly Earnings Week 15-26: 60% of your Base Weekly Earnings 26 weeks Base Salary If you become disabled for the same condition within 90 days following your prior disability, your benefits will continue under the same claim. Workers Compensation and disability due to commission or attempt to commit a felony.

2 Short Term Disability: Non- Exempt Employees Eligibility Minimum Hourly Requirement Waiting Period for Benefits Elimination period Benefit Percentage Maximum Duration Definition of Earnings Partial Disability Successive Periods of Disability Exclusions Contribution You are eligible if you are a non-exempt full-time staff member working a minimum of 35 hours per week 6 months from date of hire 10 work days Week 1-2: Elimination period use sick time available Week 3-14: 100% of your Base Weekly Earnings Week 15-26: 60% of your Basic Weekly Earnings 26 weeks (including the elimination period) Base Salary Partial disability benefits can be payable if you are totally or partially disabled for at least 10 work days and suffer a 20% or greater loss of earnings. If you become disabled for the same condition within 90 days following your prior disability, you will not need to satisfy a new 10 work day elimination period. Workers Compensation and disability due to commission or attempt to commit a felony.

3 Family and Medical Leave Act (FMLA) Eligibility and Service Time Requirements Entitlement/Benefit Duration Benefit Leave Types You are eligible if you have been employed by DePaul for at least 12 months and have at least 1,250 hours of active employment during the 12 month period immediately preceding the start of the leave. 12 weeks in 12 month period (26 weeks if caring for a family member in the Armed Forces) 12 weeks of unpaid job-protected leave unless coordinated with Short Term Disability or sick pay or if vacation time applied. Continuous (3 or more days) or Intermittent Leave Reasons Employee s own serious health condition Definition of Family Member Immediate family members serious health condition Birth and care of a child, or the placement of a child with an employee for adoption or foster care Providing support to family member in Armed Forces Spouse, dependent son or daughter, parent

4 Long Term Disability: Full-time employees Eligibility Minimum Hourly Requirement Waiting Period for Benefits Elimination period Benefit Percentage Definition of Earnings Minimum Monthly Benefit Definition of Disability Pre-Existing Condition Exclusion Partial Disability Survivor Benefit Successive Periods of Disability Contributions Benefit Duration You are eligible if you are a Full-time Employee in a position classified as: faculty or staff, excluding employees who are covered by a collective bargaining agreement and independent contractors. You must work a minimum of 35 hours per week. None The greater of the end of STD or 180 days 66.67% of Base Monthly Earnings less other income benefits to a Maximum Monthly Benefits of $10,000 Base Salary Greater of $100 or 10% of your Basic Monthly Earnings For the first 24 months of benefits, the inability to perform the material duties of your "own occupation"- after that, it is "any occupation" based on your training, education and experience. Benefits are not payable for pre-existing conditions if you become disabled from that condition in the first 12 months after becoming insured. Pre-existing condition means a condition resulting from an Injury or Sickness for which the Covered Person is diagnosed or received treatment within 6 months prior to the Covered Person s Effective Date. Loss of Earnings with 12 month work incentive Lump sum payment equal to three months of net benefits paid to an eligible survivor if you are receiving a benefit and have been disabled for 12 months. If you become disabled for the same condition within 12 months following your prior disability, you will not need to satisfy a new 180 day elimination period. Up to your Social Security Normal Retirement Age

5 Basic Life Insurance: Full-time Employees Eligibility Waiting Period You are eligible if you are a Full-time Employee in a position classified as: faculty or staff, excluding employees who are covered by a collective bargaining agreement and independent contractors. You must work a minimum of 35 hours per week. None Basic Life Amount of Insurance 1.5 times annual earnings up to maximum of $300,000 Basic Life Reduction Schedule Accelerated Death Benefit Basic Annual Earnings Waiver of Premium Conversion and Portability Contributions Age 65-69: 1.0 times annual earnings, $200,000 max Age 70-74: 0.75 times annual earnings, $150,000 max Age 75+: 0.5 times annual earnings, $105,000 max If you have a life expectancy of 12 months or less you may request up to 75% of your coverage amount while still living to a maximum of $500,000. The minimum that can be requested is 10% of your coverage amount or $5,000. Base annual salary In the event you become totally disabled prior to age 70, you may be eligible to continue your group life insurance. You may apply for the waiver after 6 months of being totally disabled and waiver will term at age 70. If all or part of your coverage ends, you may port your coverage into an individual term life policy or convert your policy to an individual whole-life insurance policy.

6 Basic Life Insurance: Part-time employees Eligibility Class 1: Active part-time faculty Class 2: Active part-time staff Employees who are covered by a collective bargaining agreement and independent contractors are excluded. You must be deemed health and welfare benefits eligible by meeting the minimum requirements outlined below. Minimum Hours Waiting Period Class 1: Taught at least six 4-credit hour courses (or the equivalent) in the previous academic year (or seven courses including the summer session) and are anticipated to teach the same number of courses for the upcoming academic year. Class 2: Worked at least 1,000 hours in the previous calendar year based on payroll records and who are expected to work at least 1,000 hours in the upcoming calendar year. Class 1: 1 year of continuous service (determined by academic year, September to June). Class 2: 1 year of continuous service (determined by calendar year, January to December). Basic Life Amount of Insurance 1.5 times annual earning up to maximum of $300,000 Basic Life Reduction Schedule Accelerated Death Benefit Basic Annual Earnings Waiver of Premium Conversion and Portability Contributions Age 65-69: 1.0 times annual earnings, $200,000 max Age 70-74: 0.75 times annual earnings, $150,000 max Age 75+: 0.5 times annual earnings, $105,000 max If you have a life expectancy of 12 months or less you may request up to 75% of your coverage amount while still living to a maximum of $500,000. The minimum that can be requested is 10% of your coverage amount or $5,000. Bass annual salary In the event you become totally disabled prior to age 70, you may be eligible to continue your group life insurance. You may apply for the waiver after 6 months of being totally disabled and waiver will term at age 70. If all or part of your coverage ends, you may port your coverage into an individual term life policy or convert your policy to an individual whole-life insurance policy. *Conversion limited to class 1 and 2.

7 Optional Life, Optional AD&D, and Optional Dependent Life Employee Eligibility: Waiting Period: Optional Employee Life and AD&D Coverage Amount: You are eligible if you are a Full-time Employee in a position classified as: faculty and staff, excluding employees who are covered by a collective bargaining agreement and independent contractors. You must work a minimum of 35 hours per week. None An amount equal to 1, 2, 3, 4, or 5 times your annual earnings not to exceed $500,000. The non-medical maximum is 1, 2, or 3 times your annual earnings. If you elect for more than 3 times your annual earnings, you will be required to submit a medical questionnaire and be approved by Liberty. Late Applicant: Waiver of Premium: Conversion and Portability Dependent Life Insurance and AD&D Coverage Amount: If you declined coverage before and wish to enroll now, you will need to submit a medical questionnaire and be approved for any amount you elect. In the event you become totally disabled prior to age 70, you may be eligible to continue your group life insurance. You may apply for the waiver after 6 months of being totally disabled and waiver will term at age 70. If all or part of your coverage ends, you may port your coverage into an individual term life policy or convert your policy to an individual whole-life insurance policy. Spouse: Option 1: $10,000 Option 2: $20,000 Child: Live Birth to age 26: Option 1: $5,000 Option 2: $10,000 Contributions: 100% Employee paid

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