ELIGIBILITY
You are eligible if you are actively working 30 hours a week at your usual place of employment and have satisfied your employer's minimum service requirements.

WEEKLY BENEFIT AMOUNT
Short-term disability pays a specific weekly benefit if you become disabled due to a non-job related injury or sickness. The weekly benefit is based on a percentage of your basic weekly pay.

Basic Weekly Pay is defined as the weekly rate of pay from an employer in effect the day before the total disability begins. It excludes bonuses, overtime pay or other extra compensation. Commissions can be included upon request. When included, commissions are averaged for the lesser of the 12 month period of employment before the date total disability begins, or the period of employment. (Ask your plan administrator if commissions are included in your Basic Weekly Pay definition.)

To receive disability benefits, you must be totally disabled, under the care of a physician and unable to perform any work for pay or profit due to a non-job related injury or sickness. Benefits are not payable if you are receiving benefits under Worker Compensation or a similar law.

Disabilities due to pregnancy are covered but will be subject to pre-existing conditions limitations.

ELIMINATION PERIOD & BENEFIT DURATION
The elimination period is the number of days of continuous total disability before the benefits begin. Depending upon your plan, benefits will begin on the 15th or 30th day for an accident or sickness.

The benefit duration is the maximum number of weeks you may receive disability benefits. Your plan's benefit duration is either 13 or 26 weeks.

Benefits will end on the date you fail to give required proof of continuing total disability, your total disability ends, or the maximum benefit period ends. If the group policy ends, this will not act to end the maximum benefits. Ask your plan administrator for your plan's elimination period and benefit duration.

PRE-EXISTING CONDITIONS
Benefits are not paid for an injury or sickness for which an employee has incurred charges, received medical treatment, consulted a physician or taken prescribed drugs within 12 months before becoming insured under this plan. If total disability s due to a pre-existing condition and it begins within 12 months of the date the employee has become insured under this plan, no benefits will be paid.

Pre-existing conditions limitation periods may vary by state.

EXCLUSIONS
No weekly benefits will be paid for a disability due to:

• intentionally self-inflicted injury
• a war or an act of war
• committing a crime or an attempt to do so
• job-related sickness or injury.

REDUCTION OF INCOME BENEFITS
Each weekly benefit will be reduced by the sum of any income received that week from:

• the Federal Social Security Act or the Railroad Retirement Act*
• non-job related disability sickness laws of any state
• a mandatory state auto reparation or indemnity act (no-fauly auto insurance)
• an employer or self-employment

Unless the insured notifies United States Life to the contrary, it will be assumed that the maximum family benefit is paid to the insured under these acts or plans.

The minimum weekly benefit is $25.00.

SUCCESSIVE PERIODS OF DISABILITY
Successive periods of disability will be considered one period and will allow continuation of benefits if the insured returns to work for less than two weeks if the disability begins before age 70 and less than six months if the disability begins on or after age 70. A new elimination period does not need to be satisfied. The maximum benefit duration continues to accumulate from the date disability recurs.

INCOME INCREASE
If other income benefits are increased after the first week that benefits are paid for a period of disability, such increase will not be used to determine the weekly benefit reduction.

SUPPLEMENT TO STATE PLANS
Short-term disability can be used to supplement state plans in California, Hawaii, New Jersey, New York and Rhode Island. Using this approach, United Stated Life calculated the entire benefit and offsets it with the benefit paid by the state plan.

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