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Elk River Municipal Utilities
Long Term Disability Insurance Summary
January 1,2016
itf -mss a a ,' :,e $. ` .. .t► ° z ;- SUrdt�t,, � ,. I�t�itt
vs 5 66.67%
," � s 66.67/ 66.67% .;
°` $5,000 $5,000 $5,000 $5,000
.tI $100 $100 $100 $100
,. 60 days 60 days 60 days 60 days
SSNRA SSNRA SSNRA SSNRA
'r r ', k1 t4-`,` 3 years 3 years 3 years 3 years
K� <
G B¢rb : d
Or earnings loss only
Or under Drs care Or
9 Included Included Included Included
a :.'I p• 20%earnings loss 20%earnings loss 20%earnings loss
�, 7.5% lesser of CPI or 10/
T 4K�1� None None None None
,,< 24 months 24 months 24 months 24 months
i*` -ii;1 : 24 months 24 months 24 months None
F° F Yes Yes Yes Yes
3 months 3 months 3 months 3 months
r a 3 months 6 months N/A N/A
s x ,"� 12 months 12 months 12 months 12 months
-',. 3 months 3 months 3 months 3 months
,; Included Included;$1,000 Not Included Included
Full Family Full Family KII Full Family Full Famil Y�. s
0%-Gross Up 0%-Gross Up 0%-Gross Up 0% Gross Up
; Not Taxable Not Taxable Not Taxable Not Taxable
;_ u 100% 100% 100% 100%
Current Renewal 1/1/16
" $226,993 $226,993 $226,993
Y $226,993
^>fi s $0.75 $0.79 $0.65 $0.767 $0.84
$1,702.45 $1,793.24 $1,475.45 $1,741.04 $1,906.74
�, �, i, ° t $20,429.37 $21,518.94 $17,705.45 $20,892.44 $22,880.89
N/A $1,089.57 $2,723.92 $463.07 $2,451.52
N/A 5.33% -13.33%
2.27% 12.00%
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If the dental moved the Principal LTD rate would increase to$0.81 as the multi-line discount would no longer apply. 6%i disc if bundled wi life+dent-.721
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Privileged and confidential.Information provided by Ahmann-Martin ,
AHMANN-MAR TIN
Elk River renewal and opts 1-1-16
9/3/2015
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