Page 48 - NAPA 2021-2022

Long-Term Disability Insurance

We’ve Got You Covered
As an active employee of National Asphalt Pavement
Association, you have access to a disability income insurance
policy from United of Omaha Life Insurance Company.

A lengthy disability can be devastating, and is more common
than you might think. It may lead to a loss of income,
independence and financial security.
A disability income insurance policy can help provide security
when you need it most. It pays you cash benefits when you’re
sick or hurt and can’t work.
Coverage guidelines and benefits are outlined in the chart below.

ELIGIBILITY - ALL ELIGIBLE EMPLOYEES
Eligibility You must be actively working a minimum of 30 hours per week to be eligible for
Requirement coverage.

Premium The premiums for this insurance are paid in full by the policyholder. There is no cost to
Payment you for this insurance.
BENEFITS
Elimination Your benefits begin on the later of 90 calendar days after the onset of your disabling
Period injury or illness or the date your short-term disability ends.
Monthly Benefit Your benefit is equivalent to 66 2/3% of your before-tax monthly earnings, not to exceed
the plan’s maximum monthly benefit amount less other income sources.

The premium for your long-term disability coverage is waived while you are receiving
benefits.
Maximum $12,000
Monthly Benefit
Minimum Monthly $100
Benefit

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