Income Protection

STD provides partial income replacement for a limited period when you’re medically unable to work. It’s different from PTO and different from Workers’ Compensation (which covers work related injuries/illness).

What’s covered

STD may apply when a health condition prevents you from performing your job due to an eligible medical reason, such as:

• Recovery from surgery
• A serious illness or injury
• Pregnancy, childbirth, and recovery time (as defined by the plan)
• Other conditions supported by medical documentation

STD generally doesn’t cover time off that isn’t medically necessary or conditions that don’t meet the plan’s definition of disability.

Know the difference! If your condition is work-related, you may be covered under Workers’ Compensation instead of STD.

Who’s eligible

All full-time employees automatically have STD coverage beginning the first of the month following their date of hire.

How much money you receive

If your claim is approved, STD replaces a portion of your pay for a limited time. STD usually calculates benefits based on your earnings as defined by the plan (often base pay, sometimes excluding commissions/bonuses).

Your STD benefit is as follows:

• Benefit percentage: 60% of weekly earnings
• Weekly maximum: $1,500 (if applicable)
• Benefit duration: Up to 12 weeks
• Tax note: Benefits may be taxable depending on how premiums are paid.

When benefits begin

STD benefits begin after you’ve been out for a required period of time, sometimes called the waiting period or elimination period.

• Waiting period: seven days
• If different by reason (illness vs. injury): Benefits begin immediately with no waiting period.

Pro tip! If you expect to be out more than a few days, it’s best to start your claim early, even if you don’t have all documentation ready yet.

If a serious illness or injury keeps you from working for an extended period of time, Long-Term Disability (LTD) can help protect your income. Pandora’s LTD benefit—administered by MetLife—replaces a portion of your pay so that you can focus on recovery while continuing to support yourself and your family.

At a glance: LTD provides ongoing income replacement if you’re unable to work for a longer period after Short-Term Disability ends.

What’s covered

LTD insurance may help replace part of your income if you’re unable to work due to a covered illness, injury, or pregnancy-related condition that lasts beyond the short-term period.

LTD benefits are paid directly to you, giving you flexibility in how you use the money, including for:

• Mortgage or rent
• Utilities and household bills
• Groceries and transportation
• Childcare or tuition
• Other ongoing living expenses

Who’s eligible

All full-time employees automatically have LTD coverage beginning the first of the month following their date of hire.

How much money you receive

If your claim is approved, LTD replaces 60% your monthly pre-disability earnings (your base pay before your disability began, excluding bonuses, commissions, and overtime) up to $10,000 per month.

• Benefits are based on a percentage of your income.
• Payments are made monthly, directly to you.
• Coverage continues for an extended period, depending on your plan design.
• Premiums are paid conveniently through payroll deductions.

When LTD kicks in

LTD benefits typically begin after you’ve been disabled for a set period of time, often following the end of STD.

This waiting period helps ensure coverage transitions smoothly from short- to long-term income protection when needed.

Start your claim with MetLife

1. Start your claim with MetLife as soon as you know you’ll be out.
2. Be ready to provide basic details (last day worked, expected time out, your job information).
3. Ask your healthcare provider to submit medical documentation.
4. MetLife will review your information and will contact you if anything else is needed.
5. You’ll receive a decision and benefit details if your claim is approved.

Manage your claim with MyBenefits

Once you’ve filed a disability claim, you can track and manage everything through MyBenefits, MetLife’s secure online portal. With MyBenefits, you can:

• Check your claim status
• Upload documents
• Message your MetLife case manager
• Get email updates
• Set up direct deposit (once approved)

You can also download the MetLife US App via App Store or Google Play.

When you’re ready, returning to work can be a gradual process. Depending on the plan, MetLife may support:

• A return to work on your scheduled date
• A return with restrictions (if your role can accommodate them)
• Partial/graded return arrangements (if included in your plan)

We’ll confirm whether partial disability provisions apply and spell out how they work.

Short-Term Disability typically covers shorter absences. Long-Term Disability provides income replacement if your disability lasts longer and you’re unable to return to work after STD ends.

MetLife makes payments directly to you, not to your employer or healthcare provider. The amount is based on a percentage of your income, as defined by the plan.

Both STD and LTD are paid by Pandora, and there is no cost to you for this coverage.

All full-time employees are automatically enrolled in STD and LTD coverage beginning the first of the month following your date of hire.

Benefit duration depends on your plan design and the nature of your disability. MetLife will review and communicate coverage details if you file a claim.

Benefit duration depends on your plan design and the nature of your disability. MetLife will review and communicate coverage details if you file a claim.

You can track claim status, receive updates, and communicate with MetLife through MyBenefits or in the MetLife mobile app.

This insurance pays benefits for covered injuries and related services that result from an accident. This plan provides protection 24 hours a day—on or off the job.

You can choose between a Low Plan and High Plan. Below are examples of covered benefits and benefit amounts.

Accident Insurance monthly cost

This pays a lump-sum benefit after the first verified diagnosis of a covered condition. You can use the benefit as you see fit, including for medical plan out-of-pocket costs, time away from work, household bills, or travel for care.

• Initial Benefit: Paid upon the first verified diagnosis of a covered condition
• Recurrence Benefit: May be payable for a subsequent verified diagnosis of certain covered conditions if an Initial Benefit was paid for the same condition (benefit suspension periods apply)
• Health Screening Benefit: $50 per calendar year for taking an eligible screening/prevention measure (not available in all states)

Coverage amounts

Examples of covered conditions:

• Invasive cancer: 100%
• Non-invasive cancer: 25%
• Skin cancer: 5% (not less than $250)
• Heart attack: 100% (myocardial infarction; sudden cardiac arrest is a separate covered condition at 50%)
• Stroke: 100% (state variations may apply)
• Kidney failure: 100%
• Severe burn: 100%
• COVID-19 and certain infectious diseases: 25% (hospital treatment requirements apply)

Critical Illness Insurance monthly cost

Premiums are shown as a monthly premium per $1,000 of coverage and increase when a covered person reaches a new age band. To estimate your cost, multiply the rate for your age band by your elected coverage (for example, $20,000 = 20 units of $1,000).

This insurance helps you with unexpected expenses related to a hospital stay (for example, expenses that may not be covered under your medical plan). Benefit payments are made for covered events regardless of other insurance payments you may receive.

Hospital Indemnity Insurance is a fixed indemnity policy—NOT health insurance. It pays a set dollar amount for covered events. The payment you get isn’t based on the size of your medical bill, and you’re still responsible for the cost of your care.

Plan options and key benefits

Hospital Indemnity Insurance monthly cost

Call MetLife at (800) GET-MET8 (800-438-6388) to speak with a benefits consultant. For the most complete information, review the plan documents provided during enrollment.