State of Wyoming

All Full-Tim e Employees or At Will Employment Contracted Employees

Voluntary Short-Term Disability insurance (STD)

Who gets the coverage?
How much STD coverage will I
have?
Who pays for it?
What is my Eligibility Waiting
Period?
All Active Employees or At Will Employment Contracted Employees, working 80 hours per
calendar month (excluding TP01 Employees).
Sixty-six and two-thirds percent (66.67%) of your pre-disability weekly earnings, not to exceed
$1,500 per week.
Premiums are payroll-deducted from your paycheck for any STD elections on a post-tax basis.
Once you complete your enrollment, you are eligible for coverage on the1st of the month following
your date of hire.

Voluntary Long-Term Disability insurance (LTD)

Who gets the coverage?
How much LTD coverage will I
have?
Who pays for it?
What is my Eligibility Waiting
Period?
All Active Employees or At Will Employment Contracted Employees, working 80 hours per
calendar month (excluding TP01 Employees).
Sixty percent (60%) of your pre-disability monthly earnings, not to exceed $6,500 per month.
Premiums are payroll-deducted from your paycheck for any LTD elections on a post-tax basis.
Once you complete your enrollment, you are eligible for coverage on the1st of the month following
your date of hire.

Access your information 24/7: https://mygrouplifedisability.aflac.com | Call our Customer Care Center M-F, 8am-8pm ET 800.206.8826
Voluntary Short-Term Disability insurance
What is short-term disability
income insurance?
What is my STD income
insurance coverage amount?
Who pays for my STD
coverage?
When would benefits begin if I
were disabled?
What is the maximum duration
of benefits?
What is the definition of
disability?
Are there any exclusions or
limitations?
Access your information 24/7: https://mygrouplifedisability.aflac.com | Call our Customer Care Center M-F, 8am-8pm ET 800.206.8826
Short-Term Disability Income Insurance, or STD, replaces a portion of your paycheck if you cannot
work due to an illness or injury that occurs off the job (non-occupational). It also pays a benefit for
giving birth to a child.
Your STD plan pays a benefit to replace 66.67% of your pre-disability weekly income, not to exceed
$1,500 per week. Your benefits may be reduced by other sources of income and disability earnings.
Premiums are payroll-deducted from your paycheck for your STD elections on a post-tax basis.
The longer of (a) 14 days, and (b) the period when you are eligible to receive salary continuation
of any kind from your Employer, including but not limited to sick leave pay, annual or personal
leave pay, or vacation pay, including donated amounts.
Note: STD Benefits will not become payable until you have exhausted all paid leaves.
Late Entrants:
There is a fourteen (14) day elimination or waiting period for your coverage to begin if you are
disabled due to an injury.
There is a sixty (60) day elimination or waiting period for your coverage to begin if you are
disabled due to an illness during the 12-month period beginning on the date your insurance becomes
effective. And thereafter: fourteen (14) days.
Twenty-six (26) weeks, inclusive of the elimination period.
You are disabled when we determine that:
• you are unable to perform one or more of the material and substantial duties of your own
occupation due solely to your illness or injury;
• you are under the regular care of a physician; and
• you have a 20% or more loss in your covered weekly earnings due to that same illness or injury.
Disability plans have conditions, exclusions, offsets, and limitations. If you are not actively at work
on the day before the scheduled effective date of insurance, your insurance will not become
effective until the day after you complete one full day of active work as an eligible employee.
Below is some important information but review your plan documents for a complete listing of all
that apply. No benefit will be paid for disabilities caused by or related to:
• Intentionally self-inflicted injuries or attempted suicide
• active participation in a riot or an act of insurrection, rebellion, or civil commotion
• war, declared or undeclared, or any act of war.
• Participation in an illegal activity or illegal act or to which a contributing cause was your being
engaged in an illegal occupation.
• Injury or sickness while you are serving on full-time active duty in any armed forces.
• The revocation, restriction or non-renewal of your license, permit, or certification necessary to
perform the duties of your occupation unless due solely to injury or illness otherwise covered by
the Policy.
• Commission of a crime for which you have been convicted or attempting to commit a criminal act.
• Intoxication, including driving a motor vehicle while intoxicated. ("intoxicated" means your blood
alcohol or drug level meets or exceeds the level at which intoxication would be presumed under
the law of the jurisdiction in which the event, activity or accident occurred.)
• Controlled Substance: Influence of a controlled substance, unless administered by a physician,
or taken according to a physician's instructions, and within clinical guidelines.
• an on-the-job injury or illness for which workers' compensation benefits are paid, or may be paid
if duly claimed
• Occupational illness or occupational injury.
Please see your certificate for more information on exclusions and limitations.
Voluntary Long-Term Disability insurance
What is long-term disability
insurance?
What is my LTD coverage
amount?
Who pays for my LTD coverage
When would benefits begin if I
were disabled?
What is the maximum duration of Your benefit duration is considered to be the “Social Security Normal Retirement Age”. Please see your
benefits?
Can I take my coverage with me
if I leave my job?
What is the definition of
disability?
Are there any exclusions or
limitations?
Access your information 24/7: https://mygrouplifedisability.aflac.com | Call our Customer Care Center M-F, 8am-8pm ET 800.206.8826
LTD coverage replaces a portion of your paycheck if you cannot work due to a longer lasting
illness or injury.
Your LTD plan pays a benefit to replace 60% of your pre-disability monthly income to a maximum
of $6,500 per month.
Premiums are payroll-deducted from your paycheck for your LTD elections on a post-tax basis.
The later date of the following: The end of your STD benefits, the end of your salary continuance, or
180 days.
You must be continuously disabled and under the care of a physician during your elimination
period, and no benefit is payable during the LTD elimination period.
certificate for more details.
Yes. If you have elected LTD coverage you have the option to convert your group LTD insurance by
enrolling in a new Portability Policy during the Election Policy. Please see your certificate for more
details.
You are disabled when we determine that:
• You are unable to perform the material and substantial duties of your regular occupation due
solely to your illness or your injury and you have a 20% or more loss in covered monthly earnings
due to the same illness or injury.
After monthly payments have been payable for 24 months, you are still considered disabled when we
determine that due to that same illness or injury:
• You are unable to perform the duties of any gainful occupation for which you are reasonably fitted
by education, training, or experience and you have a 40% or more loss in your covered monthly
earnings due to that same illness or injury.
Disability plans have conditions, exclusions, offsets, and limitations. If you are not actively at work on
the day before the scheduled effective date of insurance, your insurance will not become effective
until the day after you complete one full day of active work as an eligible employee. Below is some
important information but review your certificate for a complete listing of all that apply. Your plan does
not cover any disabilities caused by, contributed to by, or resulting directly or indirectly from:
• A pre-existing condition. Benefits will not be paid if your disability begins in the first 12 months
following the effective date of coverage and your disability is caused by, contributed to by, or the
result of a Pre-existing Condition. Pre-Existing Condition means any condition for which during the
3 months just prior to your effective date of coverage whether or not that condition is diagnosed
at all or is misdiagnosed.
• Intentionally self-inflicted injuries or attempted suicide.
• Active participation in a riot or an act of insurrection, rebellion, or civil commotion.
• War declared or undeclared, or any act of war.
• The revocation, restriction or non-renewal of your license, permit, or certification necessary to
perform the duties of your occupation unless due solely to injury or illness otherwise covered by the
Policy.
• Participation in an illegal activity or illegal act or to which a contributing cause was your being
engaged in an illegal occupation.
• Commission of a crime for which you have been convicted, this includes but is not limited to
local, state, country, provincial or federal law, or the disability results from commission of, or
attempting to commit a criminal act.
 Additional information

When does coverage begin?
If you are a newly hired or newly eligible Member, your STD and LTD coverages will be effective the
first of the month following your date of hire.
For all Employees, STD and LTD elections that do not require EOI will become effective on the first
of the month following the date you enroll, provided you enroll within 30 days following your date of
eligibility. STD or LTD coverage that do require EOI will be effective on the first of the month
following Aflac's approval.

Are there any other benefits
with the disability insurance?
Your policy includes valuable resources for you and your loved ones when you need it most, with
the support of master’s level licensed social workers for disabled Employees. Care Managers are
available toll-free at 1-800-206-8826.
Aflac has arranged with NeuroFlow to provide eligible employees covered under our fully insured
Long Term Disability program access to NeuroFlow’s digital contact, at no additional cost.
NeuroFlow is a next generation mental health solution that screens and monitors existing and
undetected behavioral health conditions by using self-service resources.

Coverage is underwritten by Continental American Insurance Company (CAIC), a proud member of the Aflac family of insurers. CAIC is a wholly-
owned subsidiary of Aflac Incorporated and underwrites group coverage. CAIC is not licensed to solicit business in New York, Guam, Puerto Rico,
or the Virgin Islands. Continental American Insurance Company | Columbia, SC

The terms and conditions for the Group Short Term Disability Income Insurance and Group Long Term Disability Insurance are set forth in policy
form number ICC20 CDL1100 or applicable state variation. The plans are subject to the laws of the state where they are issued. This material is a
summary of the product features only. Please read the plan carefully for details. Certain coverages may not be available in all states and plan
provisions may vary by state.

Neuroflow: These services are intended for general purposes and are not a substitute for professional psychological or medical advice. NeuroFlow
may not be available in some states in connection with this partnership.

CAIC’s affiliation with the Value-Added Service providers is limited only to a marketing alliance, and CAIC and the Value-Added Service providers
are not under any sort of mutual ownership, joint venture, or are otherwise related. CAIC makes no representations or warranties regarding the
Value-Added Service providers, and does not own or administer any of the products or services provided by the Value-Added Service providers.
Each Value-Added Service provider offers its products and services subject to its own terms, limitations and exclusions. Value Added Services are
not available for groups with a situs in Idaho or Minnesota or New Mexico. Continental American Insurance Company, a proud member of the Aflac
family of insurers, is a wholly-owned subsidiary of Aflac Incorporated.

AGC2301572 EXP 11/24

Access your information 24/7: https://mygrouplifedisability.aflac.com | Call our Customer Care Center M-F, 8am-8pm ET 800.206.8826