• All Full-time Associates are eligible to enroll in the Long-Term Disability plan upon employment.
  
  
• The Payless Long-Term Disability plan is offered through The Principal.
  
  
• Long-Term Disability premiums are paid in full by the Associate. Because this benefit is fully Associate paid, disability payments are not taxable.
  
  
• Total disability for this plan initially means that you cannot perform your occupation.
  
  
• After two years, it means that you cannot perform any occupation for which you're qualified by education, training, or experience.
  
  
• Residual disability for this plan means you are working on a limited or Part-time basis, solely and directly because of sickness or injury. Even though you are working, the residual disability period applies to your 90-day elimination period. Residual disability applies if,
  
  • You are unable to perform the majority of duties of your normal occupation; and
  • You are unable to earn more than 80% of your Indexed Pre-disability Earnings.
    
    
• During your first two years of coverage, pre-existing conditions are not covered.
  
  
• LTD benefits are reduced by other income sources including Social Security and Worker's Compensation.
  
  
• For more information about this plan, see the Summary Plan Description.
  

During the Annual Benefits Enrollment period, you may elect Long-Term Disability insurance as follows:

• If you did not enroll in Long-Term Disability within your first 31 days of employment and are not currently enrolled, you will be required to provide evidence of good health.