Long-Term Disability

Supplemental Disability Insurance For

Employees Covered under the State Pension Plan

Long-Term Disability Insurance pays you a portion of your earnings if you cannot work because of a disabling illness or injury. You have the opportunity to purchase Long-Term Disability Insurance to supplement the State’s Pension Disability Benefit.

You may purchase coverage that would supplement your State Disability Pension plan up to 66.6% of your earnings. The maximum Long-Term Disability benefit you could receive is $8,000 per month. Your plan includes a minimum benefit of 10% of your earnings or $100 per month. Earnings are defined as in Standard’s contract with your employer.

You are eligible if you are an active STATE OF DELAWARE PENSION COVERED employee who works at least 10 hours per week on a regularly scheduled basis.

Your benefit may be reduced once you reach certain ages specified in Standard’s contract with your employer. In addition, as described below, your monthly Long-Term benefit may be reduced by other income you receive.

*Normal Retirement Age means the Social Security Normal Retirement Age as stated in the 1983 revision of the United States Social Security Act.