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Index

About Disability

Eligibility and Enrollment

Short-Term Disability Benefits

Long-Term Disability Benefits

Short and Long-Term Disability Benefits Disqualification

Pregnancy / Childbirth

Rehabilitation Program

Administrative and ERISA Information

Key Terms
 
Key Terms

Basic Payments
means compensation paid by your employer as well as any government benefits to which the employee is entitled for the period and disability in question including, but not limited to state disability laws.

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Benefit Service
Generally, all the time from the first day of employment until you leave the company's employment.

    Excluded are:
  • unauthorized absences;
  • leaves of absence of over 30 days (except military leaves or leave under the Federal Family and Medical Leave Act);
  • certain absences from which you do not return;
  • periods when you work as a non-regular employee, as a special agreement person, in a service station, car wash, or car-care center operations;
  • or when you are covered by a contract that requires the company to contribute to a different benefit program, unless a special authorization credits the service.
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Company Pension
"Company pension" means a pension (including a pre-Social Security pension, or similar pension) that is attributable to pension service, or any other contributory time under a pension plan sponsored by a service-oriented employer.

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Disability
A condition in which an employee is unable to work because of pregnancy/childbirth, or illness or injury. If the disability is total and continuous, is expected to last at least six months from the time of determination, and extends beyond the period during which short-term disability benefits are payable, then long-term disability benefits may be payable. This is called incapacitated in the plan documents.

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Disability Pay
Is the amount that would have been paid that day if you were not absent. This amount may include base pay, planned scheduled overtime pay and planned scheduled shift differential pay based on assigned planned work schedule or substitution planned work schedule and assigned basic pay rate or relief pay rate, except as follows.

  • If the local pay practice is to exclude shift differential from pay for time not worked, the Disability Pay will continue to exclude shift differential.
  • For certain seagoing SeaRiver Maritime, Inc. employees, Disability Pay is based on a daily rate derived from monthly benefit pay.
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Eligible Employees
Most U.S. dollar-paid employees of Exxon Mobil Corporation and participating affiliates. Regular employees are eligible their first day of employment.

The following are not eligible to participate in the Plan:

  • Employees of Station Operators, Inc. dba CORS.
  • Leased employees as defined in the Internal Revenue Code.
  • Temporary or part-time employees (also called "non-regular employees").
  • Barred employees or special agreement persons as defined in the plan document.
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Extended Part-time (Enhanced Non-Regular) Employee
An employee who is classified as a non-regular employee, but who has been designated as an Extended Part-Time (Enhanced Non-Regular) Employee under his or her employer's employment policies relating to flexible work arrangements.

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Government Benefit
Government benefit means amount, as established by the person's employer, of a pension, benefit or allowance payable to the person in question under any law, other than war veterans' legislation. It includes any no fault payment to the person for loss of earnings from work. In this connection, "no fault payment" means payment:

  • Pursuant to any governmental no fault insurance law, and
  • the cost of which is borne by a service oriented employer either directly or by means of insurance paid for by such employer.

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Incapacitated
Unable to perform work according to these standards:

  • During the employee's initial period of disability (defined below), the person is incapacitated if:
    • The person is wholly and continuously unable — by reason of a physical or mental health impairment — to perform any work suitable to the person's capabilities, training and experience, that the person's employer has available, and
    • Such inability to perform work is reasonably expected to last at least six months from the date the person's ability to perform work is determined.
  • After the initial period, a person is incapacitated if the person is wholly and continuously unable, by reason of a physical or mental health impairment, to perform any work for compensation or profit for which the person is or may become reasonably fitted by education, training or experience. The determination of whether a person is incapacitated will be reviewed periodically.
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Industrial Disability
A disability resulting from an accidental injury or occupational disease that is compensable under applicable workers' compensation law or if no worker's compensation law is applicable, would be compensable under the workers' compensation law that the person's employer designates, if that law were applicable.

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Initial Period of Disability
The two-year period measured from the last day the person was actively at work for the company.

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Maximum Amount
"Maximum amount" of any annuity means full amount of the annuity, except that it means accreted amount of the annuity if:

(A) there is an accreted amount,
(B) the principal annuitant is not permitted to select the normal maturity time of the annuity as the time it will begin, and
(C) it begins after its normal maturity time.

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Monthly Benefit Pay
All compensation paid for the regular schedule applicable to your job assignment including shift differential and overtime. It excludes most other forms of compensation such as pay in lieu of vacation, relocation allowances, bonuses, imputed income, and overtime and shift differential paid for work outside the regular schedule applicable to your job. While a person is an overseas employee, base pay is used.

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Non-Industrial Disability
The inability to work that arises out of an illness or injury that is not work-related.

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Non-Regular Employee
Temporary or part-time employee of Exxon Mobil Corporation or participating affiliates. Non-regular employees include extended part-time employees. Non-regular employees do not include employees designated by their employer as part-time regular.

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Non-Rehabilitative Wages
Any income earned during a period of disability that are not rehabilitative wages.

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Normal Retirement Time
The time when a covered employee approaches age 65.

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Normal form amount
The amount of an annuity, if any, that would be paid if the annuity were payable as other than a Qualified Joint and Survivor Annuity and the principal annuitant had neither selected any extended period certain for the annuity, nor designated a joint annuitant

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Offsettable amount
For purposes of determining the amount by which the monthly amount of a person's Long-Term Disability Benefit or Transition benefit is decreased for company pensions, cash surrendered pensions and relinquished pensions, use the following rules:
(1) If the offsetting annuity begins when the Long-Term Disability Benefit begins, it means the normal form amount of the offsetting annuity.
(2) If the offsetting annuity does not begin when the Long-Term Disability Benefit begins, it means the normal form amount of the offsetting annuity as of the earlier of its actual commencement time or the person's normal retirement time.
(3) In either event, it means no greater amount than the maximum amount, except with respect to any portion of any offsetting annuity an early commencement amount of which would not have been computed according to an actuarial table.

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Regular Employee
Full-time employee of Exxon Mobil Corporation or participating affiliates who are not hired on a temporary basis. Regular employees include employees designated by their employer as part-time regular.

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Rehabilitative Benefits
Rehabilitative Benefits Rehabilitation costs incurred by a person receiving benefits under the Plan (including short-term and long-term disability benefits) that are incurred in connection with a program of rehabilitation approved by either LINA or the Administrator-Benefits, and the cost of which are not reimbursable through another source.

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Rehabilitative Wages
Any income earned as a result of any work performed in conjunction with a LINA approved rehabilitative program.

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Retiree
Generally, a person at least 55 years old who retires as a regular employee with 15 or more years of benefit service. Retiree status may also be attained by someone who is retired by their employer as a regular employee and entitled to long-term disability benefits under the Plan after 15 or more years of benefit service, regardless of age.

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Social Security Disability Benefit
A monthly Social Security benefit you actually begin to receive or could receive if you applied for the benefit. This benefit is based on Social Security rules and formulas in effect when your long-term disability benefit starts.

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Transition Benefits
 A monthly payment equal to your Long Term Disability Benefit, payable for six months following the period you cease to be incapacitated.

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