September 9, 2010   TABLE OF CONTENTS   3.2 Weekly Disability Income Benefits   A. Weekly Benefit Weekly benefits are payable, up to $425 per week in event of an Injury or Illness which wholly and continuously disables you so that you are unable to perform your regular work. In order to be eligible for benefits, your disability must commence while you are covered as an active Participant, you must be under the direct care of a Physician throughout your disability (or the Fund’s EAP for the first two weeks of disability) and you must not engage in any other work for payment or profit. In no event will benefits be greater than 66-2/3% of your basic weekly earnings (your hourly wage rate multiplied by the number of hours in your normal work week). Weekly benefits begin after the applicable waiting period shown in the schedule in Section 3.1 and will be limited to 26 weeks unless you are determined to be unable to work at any substantial gainful occupation. If you continue to meet that requirement, your weekly disability income benefits will continue for up to an additional 26 weeks at a reduced amount of 50% of your regular weekly earnings subject to a maximum benefit of $320 per week, which will be reduced by the amount of Social Security Disability benefits you receive. Weekly disability income benefits are limited to a maximum of 52 weeks in any 2-year period for disabilities due to any and all causes. A. Benefit Reductions Weekly benefits will be reduced by 1. the amounts you receive, or are entitled to receive, as total disability benefits under any Workers’ Compensation or similar Occupational Disease Law and after the first 6 months of your disability, under any Federal Social Security Law (excluding any benefits attributable to your Dependents). You have an obligation to take all necessary steps to secure all Social Security Disability and Workers’ Compensation benefits due you. You and your attorney will be required to sign a reimbursement agreement, in a form approved by the Trustees, which will protect the Fund’s right to recover from your Workers’ Compensation benefits. Absent a written agreement with an attorney, the Fund will not pay from its portion of any Workers’ Compensation recovery, any portion of attorneys’ fees and other expenses incurred in the recovery; 2. the amount of Social Security normal or early retirement benefits you actually receive, after the first 6 months of your disability; 3. the amount of holiday pay you receive for holidays which occur during your period of disability; and 4. the amount of unemployment compensation benefits you receive.    Example 1: You are eligible for the $425 weekly benefit from this Fund and are entitled to $350 in weekly temporary total disability benefits under Workers’ Compensation. The amount payable by this Fund is reduced from $425 to $75.    Example 2: You receive $8,000 (20 weeks) of weekly disability income benefits from this Fund. You receive a Workers’ Compensation settlement of $10,000. The Fund is entitled to collect its entire $8,000 claim from your settlement proceeds, less the Fund’s share of reasonable collection costs. The Fund must be reimbursed first, and you may not be made whole for your Workers’ Compensation claims from your Workers’ Compensation settlement. If a benefit is overpaid, you are obligated to notify the Fund and to promptly return the overpayment.   TABLE OF CONTENTS   St. Louis Graphic Arts Joint Health & Welfare Fund 14323 South Outer Forty Rd. - Suite S106 Chesterfield, Missouri 63017 Fund Office: (314) 878-1579 twesthues@slgahw.org Fax: (314) 275-2640   If you have any comments about this web site, please contact us at twesthues@slgahw.org.   Site Concept and Design ©2002 jWeb. Maintenance and Hosting provided by jWeb.