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Physician report to verify eligibility for an income continuation insurance claim.

This plan language is intended to be used with the state and local income continuation insurance manuals.

Apply to escrow your sick leave credits, if eligible. To escrow means to preserve or bank your sick leave credits for use at a later date.

This report presents the results of the annual actuarial valuation of benefit liabilities and costs of the Local Income Continuation Insurance Plan as of December 31, 2007.

This report presents the results of the annual actuarial valuation of benefit liabilities and costs of the State Income Continuation Insurance Plan as of December 31, 2007.

Your WRS account information is confidential, and no one can receive information about or make changes to your account unless authorized. You can authorize another person to make changes to your account by submitting a financial power of attorney document to ETF.

If you filed a grievance with the plan or benefit administrator and are dissatisfied with the final decision, you can request an administrative review from ETF.

This brochure is designed to assist you in understanding the administrative appeals process as it relates to ETF. It is not intended to substitute for the legal advice or assistance of an attorney.

This handbook provides general information about benefit plans administered by ETF and does not contain complete information for all benefits. Use this handbook as an overview and contact your employer’s benefits office for specific information applicable to you.

The income continuation insurance (ICI) benefit is a voluntary income replacement benefit payable if you become disabled.