Income Protection

AT Collective offers you the option to elect disability coverage through Reliance Matrix to protect you financially in the event you cannot work as a result of a qualifying disability. A portion of your income is protected until you can return to work or until you reach retirement age.

Income Protection

Voluntary Long-Term Disability Insurance

Feature	Details
Carrier	Reliance Matrix
Paid By	Employee
Eligibility	Regular employees after 90 days of continuous service
Income Replacement Percent	50% of the first $18,000 of pre-disability income, up to a monthly maximum benefit of $9,000
Elimination Period	26 weeks
Maximum Benefits Period	Payments will last until the later of your Social Security Normal Retirement Age or the applicable age-based benefit period.

Feature: Carrier
Details: Reliance Matrix

Feature: Paid By
Details: Employee

Feature: Eligibility
Details: Regular employees after 90 days of continuous service

Feature: Income Replacement Percent
Details: 50% of the first $18,000 of pre-disability income, up to a monthly maximum benefit of $9,000

Feature: Elimination Period
Details: 26 weeks

Feature: Maximum Benefits Period
Details: Payments will last until the later of your Social Security Normal Retirement Age or the applicable age-based benefit period.

LTD Notes

AT Collective offers you the option to purchase Long-Term Disability (LTD) on a voluntary basis.
This benefit replaces 50% of the first $18,000 of your pre-disability income if you become partially or totally disabled for an extended time.
During annual enrollment, you will be able to elect the Voluntary LTD coverage without Evidence of Insurability.
Certain exclusions, including pre-existing condition limitations, may apply.
See your plan documents or contact the Benefits Service Center for details.
LTD is available to regular employees after 90 days of continuous service.