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Summary Plan Description LONG TERM DISABILITY

Summary plan Description L O N G T E R M D I SA B I L I T Y Effective January 1, 2010 With Prudential Certificate Effective January 1, 2016 Table of Contents Benefits at a Glance .. 1 For Help and Information .. 2 Eligibility and Enrollment .. 3 Eligibility .. 3 Enrollment .. 3 Changing Your Elections .. 3 Contributions .. 4 Continuation of Coverage .. 5 During Approved Leaves of Absence .. 5 During Military Leave .. 5 Claims and Appeals .. 6 The Claims Administrator .. 6 Notices You Receive from the Claims Administrator .. 6 Claims and Appeal Procedures .. 6 State Guaranty Association Notices .. 6 Legal Proceedings .. 6 General Information .. 7 Your ERISA Rights .. 7 plan Documents .. 7 Discretionary Authority of plan Administrator and Claims Administrator .. 7 No Guarantee of Employment.

Summary Plan Description LONGTERM DISABILITY Effective January 1, 2010 With Prudential Certificate Effective January 1, 2016

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