2 0 1 2 B E N E F I T S G U I D E - US Xpress

8 XpressBenef itsLong-Term Disability CoverageIf you are unable to work for an extended period of time due to an illness or injury, long-term disability (LTD) coveragethrough Reliance Standard can provide you with a source of income when you need it most.You can purchase LTD coverage that will provide a weekly benefit of $200 to $450 (maximum of up to 60% of your basesalary). Upon approval of your claim, the actual benefit amount paid will be the lesser of your elected weekly benefit or60% of your average gross pay for the immediate twelve weeks prior to the date of disability. It is your responsibility tochoose the correct coverage amount and not over-elect disability coverage. Benefits begin on the 91st day you have beenunable to work, due to an occupational or non-occupational accident or sickness, and can continue for up to two years.If you are eligible to receive benefits from Social Security, Disability (state or federal) and/or Workers’ Compensation, yourLTD benefits will be reduced by that amount. Coverage is subject to a pre-existing condition exclusion up to 12 months.Weekly Cost Per Benefit Level for LTDAGE29 and Under30-3435-3940-4445-4950-5455 and Over$200 $250 $300 $350 $400 $450$1.06 $1.33 $1.60 $1.86 $2.13 $2.40$1.63 $2.04 $2.45 $2.85 $3.26 $3.67$2.50 $3.12 $3.75 $4.37 $5.00 $5.62$3.63 $4.54 $5.45 $6.35 $7.26 $8.17$5.33 $6.67 $8.00 $9.33 $10.67 $12.00$7.63 $9.54 $11.45 $13.36 $15.27 $17.17$8.67 $10.84 $13.00 $15.17 $17.34 $19.50If you are currently enrolled in LTD coverage, you can increase your coverage one level (i.e., $300 to $350 per week) during annual enrollmentwithout completing an Evidence of Insurability (EOI) form. If you were previously eligible and are now applying for initial coverage,you will be required to submit Evidence of Insurability (EOI). If you have coverage and want to increase, any increase over one $50 incrementwill require EOI. If the EOI is declined, you will still receive the increase in coverage equal to one $50 increment, if you are not already at themaximum election.If no EOI is required, increases in coverage will take effect on the first of the month following the election. If EOI is required, the increasein coverage will take effect on the first of the month coincident with or following the date the EOI has been approved. If you are not atwork on the day the coverage is to take effect for any other reason than an approved vacation, the coverage will take effect on the firstday you return to work.