RCA Benefit Guide

Reliance Standard—Life/AD&D and Disability
Life/AD&D Insurance
RCA provides eligible employees with Life/AD&D and Disability benefits through
Reliance Standard at no cost to you.
BASIC LIFE INSURANCE*
Basic Life insurance pays a cash benefit to your chosen beneficiary in the event of
your death. This benefit can be used to pay for final expenses, replace lost income,
cover debts, pay your mortgage, fund a child’s education, and more. The amount of
your benefit is $50,000.
ACCIDENTAL DEATH & DISMEMBERMENT (AD&D)*
AD&D insurance pays for a covered accident that results in loss of life, speech,
hearing or sight, paralysis and other losses. The plan will pay a varied amount
depending on the loss; this amount can vary from 50% to 100% of the Basic Life
benefit.
Beneficiary Reminder
When you signed up for the company benefits, you likely named a beneficiary and
promptly forgot about it. But it’s important to periodically update your beneficiaries
to make sure the right people receive your assets.
Whenever you experience a life change such as marriage, divorce, death of a
spouse or child, birth of a child or grandchild or similar events that alters your
family, you should review your beneficiary designations and make any necessary
changes. You should also update your beneficiary listing when a beneficiary
changes his or her name, such as an adult child getting married.
Contact HR if you wish to update your beneficiary.
*This policy contains limitations and exclusions that may affect benefits. Please see the certificate or ask your
benefits administrator for information on Elimination Periods, Waiting Periods, and Pre-Existing Conditions
limitation.
Disability Insurance
Disability insurance provides you with a cash
benefit to help pay for everyday expenses if a
covered disability takes you away from work
for a period of time. All eligible full-time
employees are provided with Short Term (STD)
and Long Term Disability (LTD) insurance, paid
for by RCA.
SHORT TERM DISABILITY*
Begin receiving benefits—after your claim is
approved—on the 8 th day from the date you are
unable to work due to an injury or illness. You
will receive a weekly check for up to 12
weeks—as long as you are still unable to return
to work due to a covered disability. The weekly
check replaces 60% of your income, up to
$2,000.
LONG TERM DISABILITY*
Begin receiving benefits—after your claim is
approved—in as soon as 90 days. You will
receive a monthly check for as long as you are
still unable to work due to a covered
disability—until you reach the Social Security
Normal Retirement Age. The monthly check
replaces 60% of your income, up to $10,000.
Contact or visit Reliance Standard:
Online: www.reliancestandard.com
By Phone: 1-800-351-7500
12 | 2018 Recovery Centers of America Benefit Guide