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Watco Companies, LLC Disability Plan Benefits

Original Plan Effective Date: February 1, 2018 All Full-Time Railroad Team Members Explore the coverage that helps you protect your income and your lifestyle. What is the difference between Short Term and long Term Disability insurance? Short Term Disability (STD) insurance can help you replace a portion of your income during the initial weeks of a Disability and pays a weekly benefit. long Term Disability (LTD) insurance helps replace a portion of your income for an extended period of time and pays a monthly benefit. Eligibility Requirements Short Term Disability : All active full-time employees working at least 28 hours per week are eligible to participate.

Long Term Disability (LTD) (per $100 Covered Monthly Payroll) Rates Voluntary Long Term Disability Railroad Employees See Below 40% Plan 50% Plan 60% Plan

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