Long-Term Disability

Lakeland 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:

* Regular full-time employees

* Introductory employees who, upon successful completion of the introductory period, will become regular full-time employees

Eligible employees may participate in the LTD plan subject to all terms and conditions of the agreement between Lakeland and the insurance carrier.

LTD benefits are offset with amounts received under Social Security or workers' compensation for the same time period.

Details of the LTD benefits plan, including benefit amounts, and limitations and restrictions, are described in the Summary Plan Description provided to eligible employees. There is a qualifying period required before any benefits are payable. Contact the Administrative Services Manager for more information about LTD benefits.

Policy No.  319  Issued  10/1/2002  Applicable  8/8/2002