Supplemental Disability Insurance For
Employees Covered under the State LTD Plan

You may elect to participate in an enhanced LTD program that provides a greater benefit than the current State of Delaware program is currently providing for you. Your Short Term and Long Term Disability Benefits that are provided by The State of Delaware will remain the same, as described below, at no cost to you.

• Short-Term Disability insurance pays a benefit of 75% of your earnings, to a maximum of $2,000 per week. Short Term Disability benefits begin on the 21st calendar day of disability and continue through the 182nd calendar day of disability.
• Long-Term Disability insurance pays a benefit of 60% of your earnings, to a maximum of $8,000 per month. Long-Term Disability benefits start on the 183rd calendar day of disability and continue until you are no longer disabled or reach age 65, whichever occurs first.

If you choose to participate in the Optional Long Term Disability Benefit, your LTD benefit will pay a benefit of 66 2/3% of your earnings to a maximum of $8,000. The State of Delaware will continue to fund the cost of the base plan and all you will only be responsible for paying the premium for the additional 6 2/3% benefit.

Only participants who elected The Hartford Disability Insurance Program that was effective January 1, 2006 and are no longer in the State Employees’ Pension Plan are eligible for this optional Long Term Disability feature.

Your earnings are your regular monthly pay from the State of Delaware just prior to your date of disability, not including bonuses, overtime or other extra compensation. If you become disables, the amount of your benefits may be reduced by other income you receive. Your disability payments will continue according to the following table:

The Survivor Income Benefit pays a lump-sum, three-month benefit to your surviving spouse (or your children in equal shares if there is no surviving spouse) if you die while receiving LTD benefits. If there are no survivors, the benefit will be paid to your estate.

Copyright ©2006 Valley Forge Benefits Consulting, Inc.