Long-Term Disability Spelman provides a long-term disability (LTD) benefits plan to help eligible employees cope with an illness or injury that results in a long-term absence from employment. LTD is designed to ensure a continuing income for employees who are disabled and unable to work. Employees in the following employment classifications are eligible to participate in the LTD plan: ü Regular full-time employees Eligible employees may participate in the LTD plan subject to all terms and conditions of the agreement between Spelman and the insurance carrier. Eligible employees may begin LTD coverage only after completing 1 year of service. Monthly disability payments are available on the 181st calendar day of disability at 60% of base salary at the time of the disability. Details of the LTD benefits plan including benefit amounts, and limitations and restrictions are described in the Summary Plan Description provided to eligible employees. Contact the Office of Human Resources for more information about LTD benefits. Policy No.  319  Effective Date:  9/1/2000  Revision Date:  6/1/2002