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Long Term Disability

UNUM LTD Policy Booklet

FIT offers full-time employees a long term disability (LTD) plan through First Unum Life Insurance Company. (No cost to employee for basic plan; employee buy-up options available though payroll deduction.)

Effective date of coverage is the first of the month coinciding with or next following your full-time starting date. Coverage is for employee only. For an eligible disability, the basic plan covers 60% of salary after a 180 day elimination period.

Employees may purchase from a choice of three buy-up options to increase benefits (funded through employee payroll deductions). The buy-up options must be elected within 30 days of your effective date in the plan or during the annual open enrollment period.

Pre-existing conditions are subject to a 12 month waiting period.

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