FOREWORD - Wentworth Institute of Technology

WIT Employee HandbookSection IV: BenefitsIV F. DISABILITY INSURANCE PROGRAMS1. SHORT-TERM DISABILITYRegular full-time employees who have completed one year of service are eligible toparticipate in the Total Disability Insurance Program and receive the followingassistance during the first six months of illness. Long-Term Disability Insurancepayments become effective the first day of the month following six months of totaldisability. No employee will be entitled to any more time than described below morethan once in the 12-month period following the first day of disability.a. Wentworth Payments for Short-Term Disability• Employees must use accrued sick and vacation days until exhausted.• Employees who have exhausted earned sick time, and continue to be absentbecause of illness beyond three months, receive from Wentworth an interimmonthly income of 60 percent of monthly salary base, minus Workers'Compensation payments if applicable. This interim monthly income iseffective at the beginning of the fourth month of illness through the end of thesixth month of illness.• The interim monthly income will not be more than $6,000 per month.2. LONG-TERM DISABILITYA group long-term disability insurance program through a private insurance companyis provided to replace a substantial part of an employee's income in the event of along-term disability.a. Definition of Disability"Disability" means you cannot perform each of the material duties of your regularoccupation. After benefits have been paid for 24 months, disability means youcannot perform each of the material duties of any gainful occupation for which youare reasonably fitted by training, education or experience. Benefits are payable forpartial disabilities, as long as there is at least a 20 percent loss of income.b. EligibilityAll regular full-time or regular part-time employees may participate in the disabilitybenefits insurance program upon completing one full year of employment.c. CostThe premium is paid in full by Wentworth.d. BenefitsThe program provides monthly income, which begins on the first of the monthfollowing six consecutive months of total disability and continues during suchdisability as indicated.March 200948