Voluntary Benefits : ESMEC

2026-11-03

REQUESTED PLAN DESIGNS Voluntary Short - Term Disability ( STD ) • Benefit Schedule : 60 % of predisability earnings • Maximum Weekly Benefit : - Option 1 – $ 1 , 200 - Option 2 – $ 1 , 800 - Option 3 – $ 3 , 000 • Minimum Weekly Benefit : $ 15 • Elimination Period : - 7 days – Option 1 - 14 days – Option 2 - 30 days – Option 3 ( Accidental injuries waive the elimination period ) • Maximum Benefit Duration : 90 days or 180 days • Sick Leave Coordination : Allows employee to receive up to 100 % of predisability earnings when combining disability benefits and sick leave pay • Guaranteed Issue : Full benefit for all options • Partial / Residual Disability : Included in all options • Temporary Recovery Provision : 90 days • Late Enrollee Rule : No EOI required ; however , 60 - day benefit waiting period for sickness / pregnancy during first 12 months • Rate Structure : - Age - banded rates - Separate rate tables for 90 - day and 180 - day maximum duration - Premium examples required for sample ages / salaries • Employer Contribution : 0 % ( fully employee - paid ) Voluntary Long - Term Disability ( LTD ) • Benefit Schedule : 60 % of predisability earnings • Maximum Monthly Benefit : Option 1 – $ 8 , 000 / Option 2 – $ 12 , 500 • Minimum Monthly Benefit : $ 100 • Benefit Waiting Period : 90 or 180 days • Maximum Benefit Period : To SSNRA • Benefit Reductions : Age ‑ based reduction schedule requested • Guarantee Issue : Full benefit amount • Own Occupation Period : 24 months • Partial / Residual Disability : Included • Pre ‑ Existing Condition Limitation : 3 / 12 • Mental & Nervous Limitation : 24 months • Substance Abuse Limitation : 24 months • Musculoskeletal / Connective Tissue Limitation : 24 months • Return ‑ to ‑ Work Incentive : 12 months • Employee Assistance Program : Includes 3 face ‑ to ‑ face visits • Administrative Services : Taxes / W ‑ 2s prepared by carrier for LTD claimants • Survivor Benefit : Lump sum equal to 3 × LTD monthly benefit • Reasonable Accommodation Expense : Up to $ 25 , 000 • Rates : Age ‑ banded rates , premium examples required for sample ages / salaries

Maryland

2026-05-02