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Disability Coverage/ Leaves of Absence

<h2>Protection in case your income changes unexpectedly. If you have a non-work-related disability, injury or an extended illness, disability income coverage can help cover essential expenses for you and your family.&nbsp;</h2>

Disability Coverage

How it Works&nbsp;• For a qualifying disability absence lasting up to 26 weeks, Samuel provides Short-Term Disability (STD) coverage at no cost to you. STD benefits begin after a 7-day waiting period for an injury or sickness. Benefits begin day 8.&nbsp;• If your disability continues after your STD benefits end, you may begin receiving Long-Term Disability (LTD) benefits.&nbsp;&nbsp;Who is eligible?&nbsp;• Regular full-time team members enrolled in the Samuel Harmony Benefits Plan.&nbsp;What is it?&nbsp;&nbsp;• Cash benefit to replace part of your normal income if you become unable to work due to an illness, injury or childbirth.&nbsp;• STD coverage is automatic and 100% company paid.&nbsp;• LTD coverage is automatic and 100% company paid.&nbsp;&nbsp;What to do&nbsp;• If you need to take a disability leave of absence, let your supervisor know and follow the leave of absence guide. (<a href="https://samuelprod-s3.s3.ca-central-1.amazonaws.com/s3fs-public/2025-04/Report%20an%20Absence%20-%20Samuel%20(Harmony)_includes%20fmla.PDF?VersionId=BeaxVoGFbWQLGXLtdnuDU32cTngz3szJ">Samuel Harmony – Report an Absence</a>)&nbsp;• Contact Lincoln Financial to initiate or check the status of a disability leave claim.&nbsp;• If your disability is work-related, review the Workers’ Compensation Program. Reach out to your manager for additional information.&nbsp;• Understand your rights under&nbsp;Samuel’s Family and Medical Leave Act (FMLA) Policy.&nbsp;• Find out about workplace <a href="https://samuelprod-s3.s3.ca-central-1.amazonaws.com/s3fs-public/2025-04/Workplace%20accommodations%20intake%20employee%20flyer.PDF?VersionId=zY5UnPdFc0wi8dspyru5v1mO5ofPGfp5">accommodations</a> under the&nbsp;Americans with Disability Act (ADA).&nbsp;• Be aware of what happens to your benefits if you take a disability leave. Please reach out to your HR representative if you have questions or need more information.

Snapshot

• Administered through Lincoln Financial.&nbsp;• Receive 60% of earnings for up to 26 weeks, to a maximum of $2,000 per week.&nbsp;• Injury – there is a 7 day-waiting period. Disability benefits begin on day 8.&nbsp;• Sickness – there is a 7-day waiting period. Disability benefits begin on day 8.&nbsp;&nbsp;• Taxable/company paid.&nbsp;

Short-Term Disability 

• Administered through Lincoln Financial&nbsp;• 60% of earnings to a maximum of $9,000 per month.&nbsp;• 180-day elimination period.&nbsp;• Taxable/company paid.

Long Term Disability

Leaves of Absence

• &nbsp;The FMLA entitles eligible employees of covered employers to take unpaid, job-protected leave for specified family and medical reasons, with continuation of group health insurance coverage under the same terms and conditions as if the employee had not taken leave.&nbsp;<a href="https://www.dol.gov/agencies/whd/fmla">Department of Labor FMLA</a>

Federal Family and Medical Leave Act (FMLA)

Twelve work weeks of leave in a 12-month period for:&nbsp;• &nbsp;The birth of a child and to care for the newborn child within one year of birth&nbsp;• The placement with the employee of a child for adoption or foster care and to care for the newly placed child within one year of placement&nbsp;• &nbsp;To care for the employee’s spouse, child or parent who has a serious health condition&nbsp;• &nbsp;A serious health condition that makes the employee unable to perform the essential functions of his or her job&nbsp;• &nbsp;Any qualifying exigency arising out of the fact that the employee’s spouse, son, daughter, or parent is a military member on “covered active duty”&nbsp;&nbsp;• &nbsp;Twenty-six work weeks of leave during a single 12-month period to care for a covered servicemember with a serious injury or illness if the eligible employee is the servicemember’s spouse, son, daughter, parent or next of kin (military caregiver leave)

12-Week Leave Entitlement

Some states that Samuel operates in provide Paid Family &amp; Medical Leave policies. The most important difference is that the FMLA provides federally mandated, job-protected unpaid leave, while the PFL programs are state-mandated and offer paid leave that may or may not be job-protected.&nbsp;&nbsp;While the PFL programs may have similar leave triggers as FMLA (such as bonding with a new child or caring for a seriously ill family member), they commonly stipulate different, often shorter, eligibility periods for benefits than FMLA.&nbsp;&nbsp;There also may be differences between which employers are required to offer benefits. For instance, FMLA exempts private employers with fewer than 50 employees, but PFL programs may not.&nbsp;&nbsp;Important Notes:&nbsp;• &nbsp;FMLA will run simultaneously with STD, State Specific Paid Family/Medical Leave (PFL/PFML) or Worker’s Compensation. &nbsp;&nbsp;• &nbsp;Samuel’s policy requires you to use all of your available paid leave (e.g., sick days, vacation, PTO) during your FMLA leave. Any paid leave taken for this reason will also be designated as FMLA leave and counted against the amount of FMLA leave you have available to use in the applicable 12-month period.

State-Specific Paid Family/Medical Leave (PFL/PFML)

• For more information on the Paid Family Medical Leave, <a href="https://www.lincolnfinancial.com/public/employers/insights/absenceadvisor/paidfamilyleave/faqs">please click here</a>.&nbsp;• For more information on the Paid Family Medical Leave State Specific, <a href="https://www.lincolnfinancial.com/public/employers/insights/absenceadvisor/paidfamilyleave">please click here</a>.&nbsp;• For more information on the California PFL (File claim with CA EDD),<a href="https://edd.ca.gov/en/disability/paid-family-leave/"> please click here.</a>&nbsp;• For more information on how to file an FMLA, <a href="https://samuelprod-s3.s3.ca-central-1.amazonaws.com/s3fs-public/2025-04/FMLA%20FAQ%20Employee%20Flyer%20-%20Samuel.pdf?VersionId=TLVv_1zEaCptWvZsWpsN_Lr1J3oyK_Nz">please review the FMLA FAQ Employee Flyer</a>.

Resources

Contacts:&nbsp;<a href="https://www.lincolnfinancial.com/public/individuals">LincolnFinancial.com.</a>&nbsp;First time users will need to provide personal information to register. You may need company code:&nbsp;LF1500SAM.&nbsp;&nbsp;Phone number: 800-527-6803<a href="https://samuelprod-s3.s3.ca-central-1.amazonaws.com/s3fs-public/2024-10/Samuel,%20Son%20&amp;%20Co.%20(USA)%20Inc._STD_Class%201_Benefit%20Summary.pdf?VersionId=zKscbWcW1XflwrFXtMowMZdkpc5nxDvn">STD Summary</a><a href="https://samuelprod-s3.s3.ca-central-1.amazonaws.com/s3fs-public/2024-10/Samuel,%20Son%20&amp;%20Co.%20(USA)%20Inc._LTD_Class%201_Benefit%20Summary.pdf?VersionId=5OLoD.PUXQrzPxTApvrzuYQ8a19f5hNO">LTD Summary</a>

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Have a question or need more information about something? Reach out to your US benefits team at any time.

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