Summary Plan Description for Short Term Disability (STD)

Summary Plan Description

for

Short Term Disability (STD)

01.01.19

Table of Contents

1. Introduction ............................................................................................................. 1

2. General Plan Provisions ......................................................................................... 2

Eligibility ................................................................................................................. 2

Enrollment............................................................................................................... 2

Initial Enrollment .................................................................................................... 2

Re-Employment ...................................................................................................... 2

Termination of Coverage ....................................................................................... 2

Family and Medical Leave Act (FMLA) .................................................................. 3

Fraud ....................................................................................................................... 3

3. General Definitions ................................................................................................. 4

4. Short Term Disability (STD).................................................................................... 6

Benefits Payable ..................................................................................................... 6

Total Disability/Totally Disabled ............................................................................ 6

Partial Disability/Partially Disabled ....................................................................... 6

Excluded Disability................................................................................................. 7

Benefits Payable for Total Disability ..................................................................... 7

Benefits payable for Partial Disability .................................................................. 8

Deductible Sources of Income .............................................................................. 8

Periods of Disability ............................................................................................... 8

When Will Changes to Your Coverage Take Effect: ............................................ 9

When Benefits Stop................................................................................................ 9

The Plan has a Right to Subrogation and Reimbursement ................................ 9

How to File a Claim............................................................................................... 10

Request for Review of Denied Claim. ................................................................. 11

Appeal Procedures ............................................................................................... 12

First Level of Appeal ............................................................................................ 12

Second Level of Appeal ....................................................................................... 13

5. General Plan Information ..................................................................................... 15

Amendment or Termination of the Plan ............................................................. 15

Entire Plan............................................................................................................. 15

Powers, Duties and Actions of the Plan Administrator ..................................... 16

6. Employee Retirement Income Security Act (ERISA) Statement of Rights ....... 17

Receive Information About the Plan and Benefits ............................................. 17

Prudent Actions by Plan Fiduciaries .................................................................. 17

Enforce the Employee¡¯s Rights ........................................................................... 17

Assistance with Questions .................................................................................. 18

GENERAL INFORMATION ABOUT THE PLAN ................................................... 19

7. Benefits at a Glance .............................................................................................. 20

1. Introduction

This Summary Plan Description (SPD) contains a summary of the Employer¡¯s Short-Term

Disability Insurance (STD) benefits effective January 1, 2019. A separate SPD covers all

other benefits offered. The benefits described in this summary apply to disability claims arising

on or after January 1, 2019. You should review the SPD for benefits effective January 1, 2018

if your disability commenced during 2018.

This SPD describes short-term disability benefits under two different Plans: WestRock

Company Group Benefit Plan and RTS Packaging, LLC Group Benefit Plan, The Plan of each

Employer is maintained as a separate plan. Employees of WestRock Company (and its

affiliates) are covered only by the WestRock Company Plan and employees of RTS

Packaging, LLC (and its affiliates) are covered only by the RTS Packaging, LLC Plan. No

assets or premiums related to one Employer¡¯s plan can be used to provide benefits under

another Employer¡¯s plan. The Employers are not part of the same controlled group of

employers.

The STD plans financed and administered by WestRock Company and RTS Packaging, LLC

are each self-insured plans.

Please read this SPD carefully and refer to it when you need information about how the Plan

works. This SPD has information regarding your rights as a participant in the Plan; therefore, it

is your responsibility to understand the information provided.

To best serve your needs, please direct questions

regarding the Plan to the WestRock Benefits Center

(WBC) at 1-(800) 540-4272,

Monday through Friday, 8:00 am ¨C 8:00 pm, Eastern.

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2. General Plan Provisions

Eligibility

You are eligible to enroll in the Plan if you are an eligible full-time Employee who is regularly

scheduled to work a minimum of 30 hours per week. If you are classified as a part-time,

intern or temporary Employee you are not eligible to participate in the Plan. However, in the

event you are subsequently hired as a full-time Employee, your service under the previous

classification will count toward your benefit waiting period. Therefore, in the event of a

change in classification to full-time, your date of hire as a part-time employee, temporary

Employee or intern with the Employer shall be used to determine if you have met the one

month anniversary requirement for participation in the Plan. The Employer will automatically

enroll you for coverage.

In order to effect immediate participation for certain Employees, the Plan Sponsor shall treat

the date an Employee began employment with another employer toward his or her waiting

period with respect to all employees it employs as a result of any corporate transaction (such

as an asset acquisition or other similar transaction) designated by the Plan Sponsor, provided

such designated transaction is identified in the records of this Plan.

Enrollment

Initial Enrollment

If you are not covered by a collective bargaining agreement, you are automatically enrolled

after you complete one (1) month of employment. For example, if your date of hire is March

5, then you will be eligible for coverage on April 5, provided you have been continuously

employed during such period.

If you are absent from work due to Injury, Sickness, temporary layoff or leave of absence

on the date your coverage would normally begin, your coverage will begin on the date you

return to active employment. Scheduled vacation is considered active employment for

purposes of initial enrollment.

Re-Employment

If your employment terminates and you are subsequently re-employed within one year, your

eligibility date will depend on whether or not you had satisfied the Plan¡¯s eligibility

requirements prior to your termination of employment, as follows:

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if you were eligible at your date of termination and re-employed within one

year, you will be enrolled in the Plan immediately upon your re-employment.

if you were not eligible at your date of termination or were gone more than one

year, you will be classified as a new employee and must complete the Plan¡¯s

waiting period as described above.

Termination of Coverage

STD coverage ends the earliest of (1) midnight on the date of your employment termination,

(2) the date you are no longer an eligible employee or (3) the date you stop active work.

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