Short Term Disability Insurance Provided by Colonial Life Colonial Life’s Short Term Disability insurance helps you maintain your lifestyle if you become disabled off the job and are unable to work. It pays you up to 60% of your base salary at the time you enrolled not exceeding $4,000 per month for up to 6 months. Be sure to review your coverage annually as your salary increases. An annual $50 wellness benefit is included if rider is elected. Critical Illness Insurance Provided by Colonial Life Colonial Life’s Group Critical Illness insurance helps guard against financial hardship if you or a covered family member is diagnosed with a critical illness. The lump sum benefit, up to $50,000, provides cash to you when you need it most, to help cover medical expenses (deductibles and coinsurance), non-medical expenses, and lost income from work. Covered illnesses include: • Benign brain tumor • Heart attack • Stroke • Sudden cardiac arrest • End stage renal failure • Major organ failure • Loss of sight or speech • Coma • Permanent paralysis due to an accident • Blindness • Occupational infectious HIV • Occupational infectious Hepatitis B, C, or D • Coronary artery bypass surgery/disease (paid at 25% of face amount) If you receive a benefit for one critical illness, and later you are diagnosed with a different critical illness, you will receive the full 100% benefit amount for that next critical illness. Also, if you are diagnosed with the same critical illness (other than coronary artery bypass surgery, occupational infectious HIV/Hepatitis B, C or D) you will receive 25% of your benefit amount for the second diagnosis. (Note: Subsequent diagnosis must be separated by 180 days.) Included with new policies written for 2022 and later, COVID-19 is covered at 25% of the face value; all other named infectious diseases are covered at 50%. An annual $100 wellness benefit per covered person is also included. Medical Bridge Insurance (Hospital Indemnity) Provided by Colonial Life Colonial Life’s Group Medical Bridge insurance provides a cash benefit to help cover the cost of your deductible and coinsurance if you are confined to the hospital, have outpatient surgery, or have covered diagnostic procedures performed due to an accident or sickness. An annual $50 wellness benefit is also included. Benefits include: • $500, if you are confined to the hospital for 20+ hours • $150, if you receive treatment in an emergency room • $500, if you have a covered diagnostic procedure, such as a biopsy, MRI, CT scan, and others • $500/$1,000, if you have a covered outpatient surgery procedure, such as lumpectomy, appendectomy, colonoscopy, cataract surgery, angioplasty, and others 24 Georgia Ports Authority | 2025 Summary of Benefits
