Income Protection

Disability insurance and income protection benefits - both STD and LTD provided at no cost.

Short-Term Disability (STD)

Feature	Core	Buy-Up
Provider	Mutual of Omaha	Mutual of Omaha
Benefit	60% of income	additional 30% of income (total up to 90%)
Maximum Weekly Benefit	$3,500/week	additional $2,000/week
Elimination Period	7 calendar days of inability to work	7 calendar days of inability to work
Maximum Benefit Duration	Up to 180 days	Up to 180 days
Cost to Employee	$0 - provided by ABC Catering at no cost	depends on earnings

Provider

CoreMutual of Omaha

Buy-UpMutual of Omaha

Benefit

Core60% of income

Buy-Upadditional 30% of income (total up to 90%)

Maximum Weekly Benefit

Core$3,500/week

Buy-Upadditional $2,000/week

Elimination Period

Core7 calendar days of inability to work

Buy-Up7 calendar days of inability to work

Maximum Benefit Duration

CoreUp to 180 days

Buy-UpUp to 180 days

Cost to Employee

Core$0 - provided by ABC Catering at no cost

Buy-Updepends on earnings

Core Plan benefit payments are taxable income
Buy-Up Plan benefit payments are tax-free income
Pre-existing exclusion applies to Buy-Up Plan: not covered for disability in first 6 months if treated for that condition in 3 months before coverage began
Enrollment in Core Plan is automatic

Feature	Detail
Provider	Mutual of Omaha
Benefit	60% of income
Maximum Monthly Benefit	$20,000
Elimination Period	180 calendar days of inability to work
Maximum Benefit Duration	Up to Social Security Normal Retirement Age (SSNRA)
Cost to Employee	$0 - provided by ABC Catering at no cost

Provider

DetailMutual of Omaha

Benefit

Detail60% of income

Maximum Monthly Benefit

Detail$20,000

Elimination Period

Detail180 calendar days of inability to work

Maximum Benefit Duration

DetailUp to Social Security Normal Retirement Age (SSNRA)

Cost to Employee

Detail$0 - provided by ABC Catering at no cost

Group: G000AK86