Campbell Long-Term Disability (LTD) Plan

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1 Campbell Long-Term Disability (LTD) Plan The Campbell Soup Company Long-Term Disability (LTD) Plan is designed to provide you with income protection if you re unable to work for an extended period of time because of an injury or illness. As an eligible employee, you automatically receive basic LTD coverage which is provided by Campbell. In addition to the basic LTD coverage, you may have the opportunity to elect voluntary LTD coverage. Additional Important Information Be sure to read the About This Guide and Plan Administration sections for more important details about the plan and this description, and for references to the official plan documents that contain the full specifics about the plan. The LTD Plan is provided through an insurance policy issued by The Metropolitan Life Insurance Company (MetLife). This section explains how the LTD Plan works, including your coverage under the plan if you qualify for benefits. Reservation of Rights Campbell reserves the right to amend, modify, reduce or curtail any aspect of any benefit under the plan, or terminate this plan at any time for any reason. The plan does not provide a vested benefit. In addition, Campbell reserves the right to amend any of the plans, programs and arrangements described in Your Campbell Benefits (including changing the method of providing benefits and curtailing or reducing future benefits) or to terminate at any time for any reason, any or all of the plans, programs and arrangements herein described. Neither Your Campbell Benefits nor the benefits described create a contract of employment or a guarantee of employment between Campbell and any employee. Salaried and Hourly Employees (excluding Napoleon and Paris Hourly Employees) 217

2 In This Section See Page Eligibility Cost of Coverage How to Enroll Enrolling When First Eligible Enrolling During Annual Enrollment When Coverage Begins When Coverage Ends At a Glance How the Plan Works Benefit Offsets by Other Sources of Income Applying for Social Security Disability How Benefits are Paid When Benefit Payments End New or Recurring Disabilities What Is Not Covered Claiming Benefits Salaried and Hourly Employees (excluding Napoleon and Paris Hourly Employees)

3 Eligibility If you are a salaried employee regularly scheduled to work at least 20 hours per week, you are eligible to participate in the LTD Plan on your first day of employment. If you are a hourly employee regularly scheduled to work at least 20 hours per week, you are eligible to participate in the LTD Plan on the first day following 90 days from your hire date. If you are a Pepperidge Farm Retail Sales employee, you must be regularly scheduled to work 30 hours per week and have completed 90 days of service to be eligible for benefits. You are not eligible to participate in LTD Plan if you are: An employee who is regularly scheduled to work less than 20 hours per week, or if you are a Pepperidge Farm Retail Sales hourly employee regularly scheduled to work less than 30 hours per week. An employee of a leasing company or temporary employment agency; or An individual who performs services for Campbell as an independent contractor, consultant, irrespective of whether such individual is treated as an employee under common-law employment principles. If you are a full-time U.S.-based employee whose position is level 46 or above, you are eligible for basic LTD coverage, but not voluntary LTD coverage, under the LTD Plan. In place of the voluntary LTD coverage, you are provided access to a separate executive LTD insurance policy. For purposes of determining eligibility for benefits under the Disability Plans, if you were actively at work on your last scheduled working day, you will be deemed actively at work on a scheduled non-working day. In general, you are considered to be actively at work if you were performing all the regular duties of your job on a regular Campbell workday before you became disabled. You will be considered actively at work if you were performing your duties either at one of the Campbell places of business or at another location where Campbell business required you to travel. Cost of Coverage Campbell pays the full cost of your coverage under the basic LTD program. You pay the full cost of coverage under the voluntary LTD program by making aftertax contributions through payroll deductions. Your Regularly Scheduled Work Week For benefits-eligibility purposes, your regularly scheduled work week is based on your regular work schedule, not the actual hours you work. If your regularly scheduled work week changes, your eligibility to participate in the Disability Plans may change. How to Enroll You are automatically enrolled in the basic LTD program when you are both eligible and actively at work. You may enroll in the voluntary LTD program: When you are first eligible; or During annual enrollment (certain limitations may apply). Salaried and Hourly Employees (excluding Napoleon and Paris Hourly Employees) 219

4 Enrolling When First Eligible If you are a salaried employee, you will receive your enrollment kit within two weeks after you are hired. If you are a hourly employee, you will receive your kit one month before you become eligible. You will have 30 days from the date on your Enrollment Worksheet to enroll. If you don t enroll and make a choice about your LTD coverage during this 30-day period, you will be assigned default coverage as follows: You will be enrolled in basic LTD coverage only. You will not be enrolled in voluntary LTD coverage. You will not be able to change your coverage until the next annual enrollment period. Voluntary LTD Coverage Limitations If you do not enroll in voluntary LTD coverage when first eligible, benefits will not be paid for a disability caused by an injury or illness for which you, in the six months prior to the effective date of the voluntary LTD coverage, either: Received medical treatment, consultation, care or services; or Were prescribed or took medication for the disabling condition. This limitation applies to any disability incurred during the first 12 months following the effective date of the voluntary LTD coverage. Enrolling for Coverage You can enroll in your Campbell benefits program online. Visit Campbell Benefits Center at to research the plan options available to you. On your first visit, use the following information to login: User ID: Your Social Security number Password: Your month and day of birth (mmdd) Once logged in, you will be asked to set up: A new User ID and Password, and A security question in case you forget your password in the future. If you don t have access to a computer, you may call a Campbell Benefits Center representative at , Monday through Friday, 9:00 a.m. to 6:00 p.m. Eastern Standard Time. Enrolling During Annual Enrollment Each year during the fall, Campbell holds annual enrollment. During this period, you can change your options and/or level of coverage for the coming plan year. Elections made during annual enrollment take effect on the following January 1 and remain in effect until December 31 of that same year. Your current LTD elections remain in effect if you don t change them during annual enrollment. After you enroll, Campbell Benefits Center will mail you a Confirmation of Enrollment (COE) statement. Please review this COE statement carefully to make sure it accurately shows the elections you made. 220 Salaried and Hourly Employees (excluding Napoleon and Paris Hourly Employees)

5 When Coverage Begins If You: Are a Current Participant in the LTD Plan Are a Newly Hired or Newly Eligible Employee When the Coverage You Elect Begins: The voluntary LTD coverage you elect during the annual enrollment period takes effect the beginning of the following plan year (January 1) provided you are actively at work on that date. Your LTD coverage (basic and voluntary, if elected) takes effect as follows, provided you are actively at work on that date: If you are a salaried employee, coverage begins on your date of hire. If you are a hourly employee, coverage begins the day after you complete 90 days of service. Actively at Work Requirement: If you are not actively at work because of injury or illness on the date on which your coverage would become effective, the effective date of your coverage will be after you return to work and perform your regular full-time duties for 21 consecutive days. Actively At Work Defined You will be considered to be actively at work if you are performing the material duties of your job on a regularly scheduled workday. You will be considered actively at work on a scheduled non-working day, if you were actively at work on your last scheduled working day. When Coverage Ends Generally, your LTD coverage ends on the earliest of the following dates: Midnight on the last day of the calendar month when your employment with Campbell ends (whether voluntarily or involuntarily); Midnight on the last day of the calendar month in which you otherwise no longer meet the eligibility requirements for coverage; Midnight on the last day of the calendar month for which you have paid contributions (if contributions are required), if the plan receives notice that you ve stopped making the necessary contributions toward the cost of coverage; The last day of the calendar month in which you are laid off. However, you may continue plan coverage provided that you make the required contributions; The day you die; or The day Campbell discontinues the plan. Salaried and Hourly Employees (excluding Napoleon and Paris Hourly Employees) 221

6 At a Glance Monthly Benefit Maximum Monthly Benefit Tax Treatment of Benefit Maximum Benefit Duration Cost of Coverage Basic LTD Voluntary LTD Total LTD Benefit 50% of basic monthly earnings Salaried employees: $20,000 Hourly employees: $3,000 Benefit payments subject to federal income tax 15% of basic monthly earnings Salaried employees: $6,000 Hourly employees: $900 Benefit payments are not subject to federal income tax (if enrolled in both) 65% of basic monthly earnings Salaried employees: $26,000 Hourly employees: $3,900 The maximum duration of monthly benefit payments will vary depending on the length of your disability and the age at which you became disabled. Basic LTD coverage is provided by and fully paid for by Campbell. You pay for voluntary LTD coverage on an after-tax basis through payroll deductions. See the definition for Basic Monthly Earnings under How the Plan Works on page 222 for more information. The minimum benefit each month is $100. How the Plan Works The LTD Plan will provide you with monthly benefit payments if you are continuously disabled beyond 26 consecutive weeks and are unable to work as a result of your disability. This 26-week period is known as the elimination period. Benefit payments will begin after the elimination period has been satisfied and your claim has been approved by MetLife. Basic LTD: The basic LTD coverage is provided by and fully paid for by Campbell. The basic LTD monthly benefit amount is equal to 50% of your basic monthly earnings subject to the following maximum monthly benefits: Salaried employee maximum monthly benefit: $20,000 Hourly employee maximum monthly benefit: $3,000. The minimum monthly benefit is $100. The Elimination Period The elimination period is the first 26 consecutive weeks of your disability. During this time, no LTD benefits are paid. If you return to work for less than 30 days during the elimination period and your disability recurs for the same or a related condition, this will be considered as one continuous disability and you will not have to satisfy a second elimination period. See New or Recurring Disabilities on page 227 for more information. 222 Salaried and Hourly Employees (excluding Napoleon and Paris Hourly Employees)

7 Voluntary LTD: In addition to your basic LTD coverage, you have the opportunity to elect voluntary LTD coverage. The voluntary LTD benefit amount is equal to 15% of your basic monthly earnings subject to the following maximum monthly benefits: Salaried employee maximum monthly benefit: $6,000 Hourly employee maximum monthly benefit: $900 Voluntary LTD benefit amounts are in addition to the basic LTD benefit amounts and may increase your overall benefit under the plan. The combined basic LTD and voluntary LTD benefit amount is equal to 65% of your basic monthly earnings subject to the combined basic and voluntary monthly benefit maximums noted above. You pay for voluntary LTD coverage on an after-tax basis through payroll deductions. Definition of Disabled or Disability The definition of disability varies depending on the length of the disability. You are considered disabled if, due an accidental injury or illness you are receiving appropriate care and treatment from a doctor on a continuous basis and: First 24 Months: during the first 24 months of disability following the elimination period you are unable to perform the material duties of your occupation. After 24 Months: after the first 24 months of disability following the elimination period you are unable to engage in any business or occupation or to perform any work for compensation, gain, or profit for which you are reasonably fitted by your education, training, background, or experience. Appropriate Care and Treatment In order for care and treatment to be considered appropriate, it must meet the following criteria: It is received from a doctor whose medical training and clinical experience are suitable for treating your disability; It is necessary to meet your basic health needs and is of demonstrable medical value; The type, frequency and duration of treatment is consistent with relevant guidelines of national medical, research and health care coverage organizations and governmental agencies; It is consistent with the diagnosis of your condition; and Its purpose is maximizing the improvement of your health. A doctor is a person who is legally licensed to practice medicine and, for the purposes of determining disability under the LTD Plan, your doctor cannot be related to you. A licensed medical practitioner will be considered a doctor if applicable state law requires that such practitioners be recognized for the purposes of certification of the disability and the care and treatment provided by the practitioner is within the scope of his or her license. What Is Your Occupation? For the purposes of the LTD Plan, your occupation is the activity you regularly perform that serves as your source of income. It is not limited to the specific position you held with Campbell. It may be a similar position, which entails substantially similar functions that could be performed with Campbell or any other employer. To determine your qualification for benefits, MetLife Disability will look at your occupation as it s normally performed in the national economy as well as how work tasks are performed for Campbell at a specific location. Salaried and Hourly Employees (excluding Napoleon and Paris Hourly Employees) 223

8 Basic Monthly Earnings For the purposes of basic LTD coverage: Salaried employees this is your monthly base salary immediately prior to the date you became disabled Hourly employees this is your base pay rate immediately prior to the date you became disabled, times your regularly scheduled hours (40 hours for regular full-time employees) For the purposes of voluntary LTD coverage: Salaried employees this is your monthly base salary on the later of October 1 of the prior year or your date of hire Hourly employees this is your base pay rate on the later of October 1 of the prior year or your date of hire, times your regularly scheduled hours (40 hours for regular full-time employees) Basic monthly earnings excludes overtime pay, awards, commissions, bonuses and any other special compensation received from Campbell and sources other than Campbell. Benefit Offsets by Other Sources of Income Your LTD benefits will be reduced by compensation you receive from certain other sources as follows: Company pension benefits, which are reduced based on the straight life annuity amount, regardless of the type of pension option selected; Primary Social Security benefits, or any similar government disability or retirement plan benefits, which are calculated using your individual benefit only; Dependent Social Security benefits, to the extent that monthly income replacement benefits from the LTD Plan plus the dependent Social Security benefits exceed 75% of your basic monthly earnings; Workers Compensation benefits; Social Security It is a requirement of the LTD Plan that you apply for Social Security Disability benefits when eligible. Any cost of living increases to pension and primary or dependent Social Security benefits will not offset your LTD benefit, as long as the increases occurred after you started receiving benefits from these sources. Any disability income benefit provided to you under any law; Unemployment insurance law or program benefits; and Mandatory no-fault auto insurance. The monthly benefit will not be reduced below the minimum monthly benefit amount, except in cases where an LTD overpayment has occurred. The list above includes the more common sources of benefit offsets. For a complete list of all applicable benefit offsets, contact MetLife. (For contact information, see the Plan Administration section.) 224 Salaried and Hourly Employees (excluding Napoleon and Paris Hourly Employees)

9 Sources of Income That Don t Reduce Benefits LTD benefits will not be reduced by compensation you receive from the following sources: 401(k) plans; Profit-sharing plans; Thrift plans; Tax-sheltered annuities; Stock ownership plans; Non-qualified deferred compensation plans; or Individual retirement accounts (IRAs); or Individual disability income plans. Applying for Social Security Disability Your disability benefit from the plan is coordinated with Social Security and other sources of income. You must apply for Social Security Disability benefits when eligible. If your application is denied, you must apply for reconsideration unless MetLife instructs you otherwise. If denied again, you must request a hearing from an Administrative Law Judge unless MetLife waives the hearing. If you do not apply for Social Security and follow the above process, your benefit payments under the plan will be reduced by the estimated amount Social Security would have paid. From the time MetLife determines that you may qualify for Social Security Disability benefits until Social Security reaches a decision on your claim, you have two options: Option 1: Your LTD benefit payments are reduced by an estimate of your expected Social Security benefit. Under this option, you keep any payments made by Social Security once a decision is reached and your LTD benefits are adjusted going forward based upon your actual Social Security benefits; or Option 2: Your LTD benefit payments are not reduced until a decision is received from Social Security on your claim. Under this option, you must sign a reimbursement agreement promising to repay MetLife any overpayment of LTD benefits resulting from benefit payments from Social Security. This repayment is payable to MetLife on the date your first Social Security benefits are paid. If you do not repay the amount required, your LTD benefit payments will cease (including the minimum benefit payment) until the LTD overpayment amount is recovered in full by MetLife. If you do not sign a reimbursement agreement, your LTD benefit payments will be reduced by an estimated Social Security Disability benefit amount. Assistance with Social Security Application MetLife has a dedicated team of Social Security specialists. When you apply to MetLife for LTD benefits, a Social Security specialist will contact you to explain how to apply for Social Security Disability benefits, and will guide you through the application process. If Social Security Disability benefits are initially denied, MetLife will help you appeal this denial if your disability warrants continuing the appeal process. Depending on your individual needs, MetLife may provide a referral to an attorney or vendor who specializes in Social Security law. The cost for these attorneys is deducted from the amount you must repay to MetLife if the Social Security Disability benefits you receive result in MetLife s having paid more disability benefits than it should have paid under LTD. LTD Overpayments Any LTD overpayments must be paid back to MetLife. The plan may offset your LTD benefits in order to recover any overpayments, including wrongful payments made to you in error. Salaried and Hourly Employees (excluding Napoleon and Paris Hourly Employees) 225

10 Up Close and Personal: Mark Mark works for the Company, is enrolled for basic LTD coverage only and is making $36,000 a year ($3,000 a month) when he becomes disabled. According to the LTD Plan, Mark is entitled to receive a total of $1,500 a month (50% of monthly earnings) from all disability income sources. He receives $600 a month from Social Security. Here s how his LTD benefit is calculated: Total monthly basic LTD benefit (50% of monthly earnings) $1,500 Less monthly primary Social Security benefit 600 Mark s monthly basic LTD benefits $900 Mark still receives $1,500 a month: $600 from Social Security and $900 from the LTD Plan. The basic LTD benefit is taxable. Note: This example assumes that Mark doesn t receive family Social Security Disability Insurance (SSDI) benefits and does not elect voluntary LTD coverage. How Benefits are Paid Once your claim is approved by MetLife, you will begin receiving LTD benefit payments the month following the completion of your elimination period and after any outstanding vacation pay has been paid out. The monthly LTD benefit payments will be issued at the end of each month. You must provide MetLife with proof of your disability in order for your claim to be approved. After payments begin, proof of your continued disability will be required from time to time in order for benefit payments to continue. Benefits are paid by MetLife and will be mailed to your address as reflected on Campbell s payroll records. Direct Deposit If you are expected to be out of work for more than six weeks, you may have the option to receive your disability benefit payments via direct deposit. Call MetLife at for more information. Tax Treatment of LTD Benefits Because Campbell pays for your basic LTD coverage, any basic LTD benefit payments you receive are subject to federal income tax. If you decide to buy voluntary LTD coverage for a total combined benefit (basic and voluntary) of up to 65% of base pay, you pay for this additional voluntary coverage on an after-tax basis. Any voluntary LTD benefit payments you receive (the additional 15%) are not subject to federal income tax. 226 Salaried and Hourly Employees (excluding Napoleon and Paris Hourly Employees)

11 When Benefit Payments End Your LTD benefit payments will end on the earliest of the following dates: The end of the maximum benefit duration period, which is determined based on your age at disability as shown in the table below: If You Become Disabled Maximum Benefit Duration Before age 60 To age 65 Age 60 to 69 To the lesser of 60 months or to age 70 Age 70 and over 12 months The date you are no longer considered disabled; The date you fail to provide MetLife with: Proof of disability Evidence of continuing disability Proof that you are under the appropriate care and treatment of a doctor Information about other income benefits, or Any other material information related to your disability which may be requested by MetLife. The day you die; or The date you fail to attend a medical examination requested by MetLife. New or Recurring Disabilities If you are disabled and receiving LTD benefits, return to work and become disabled again due to the same or a related condition, you will not have to satisfy a new elimination period if your return to work was for less than three months. Your LTD benefit payments will resume based on your base pay and the terms and conditions of the plan that were in place at the time of your initial date of disability. If your return to work was for three months or more, of if you become disabled due to a new or unrelated condition, you will need to satisfy a new elimination period. What Is Not Covered The LTD Plan doesn t cover certain disabilities, including disabilities that are the result of: Any disability which happens during the course of any work performed by you for wage or profit which you are eligible to receive benefits under any Workers Compensation or any similar law War, insurrection, or rebellion; Salaried and Hourly Employees (excluding Napoleon and Paris Hourly Employees) 227

12 Active participation in a riot, except actions taken in defense of: Public or private property; or Yourself. Riot means all forms of public violence, disorder or disturbance of the peace by three or more persons. It does not matter whether there was common intent, whether there was intent to damage any person or property, or to break the law. Intentionally self-inflicted injuries or attempted suicide; Committing a felony; or Any disability beginning during the first twelve consecutive months of employment if the disability is due an injury or illness (including pregnancy) for which you were under the care of a doctor or receiving treatment within three months prior to the date of employment. If your disability begins after twelve months of employment, benefits may be payable for a condition that was in existence on your date of hire. Claiming Benefits You need to complete the information requested in the LTD application kit in order for your LTD claim to be reviewed for approval. You will receive this LTD application kit directly from MetLife if you are receiving disability benefit payments throughout the LTD elimination period under the Campbell Accident and Sickness Plan or the Campbell Salaried Sick Pay Program. Otherwise, you must notify MetLife of your disability as soon as possible and an LTD application kit will be sent to you. You must complete and submit the information requested in this application so that a claim decision can be made in a timely manner. Question on Your LTD Claim Call the MetLife Claim Response Center at if you have general questions about your claim and/or the status of your claim. It is your responsibility, not that of MetLife or Campbell, to ensure that all requested information is provided to MetLife. Your Claim Both you and Campbell will receive notification of MetLife s determination of your LTD claim. In the event that your claim is not approved, you will be provided the reason(s) for the denial and the process for appealing your claim. 228 Salaried and Hourly Employees (excluding Napoleon and Paris Hourly Employees)

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