Life happens…now what?

Your guide to

Disability
Benefits
Updated October 1, 2013
Table of contents
Going out on disability ................................................................................................................................................ 1
Before starting a continuous disability-related absence ........................................................................................................................................ 1

During your continuous disability-related absence ................................................................................................................................................ 1

Before coming back to work ................................................................................................................................................................................. 1

How short-term disability benefits work ...................................................................................................................... 2

Amount of Short-Term Disability Benefits .................................................................................................................................................................2

A good example ......................................................................................................................................................... 3

How Short-Term Disability Benefits Are Paid and Coordinated with Family Medical Leave ......................................................................................3

Short-term disability checklist ..................................................................................................................................... 3

Frequently asked questions ....................................................................................................................................... 5

Frequently asked questions (continued)........................................................................................................................................................ 6

How Long-Term Disability Benefits Work............................................................................................................................. 7

Eligibility ...................................................................................................................................................................................................................7

Basic LTD ................................................................................................................................................................................................................7

Supplemental LTD ...................................................................................................................................................................................................7

Making the Transition to Long-Term Disability .........................................................................................................................................................7

Protecting Your Income When You Need It Most .....................................................................................................................................................7

If You Have a Pre-existing Condition… ....................................................................................................................................................................7

How LTD Benefits Are Paid......................................................................................................................................................................................7

 How Is “Disability” Defined? .....................................................................................................................................................................................8

Other Income Replacement or Unemployment Benefits Reduce Your LTD Benefit ..................................................................................................8

Continuing Your Benefits during LTD .......................................................................................................................................................................8

Where Can I Get More Details on LTD? ...................................................................................................................................................................8

Disclaimer
This is not a legal document and may not apply to all employees. If there are any discrepancies between this document and the official Plan Documents and
policies, the Plan Documents and policies will prevail. This is not meant to be a complete description of the Comcast benefit plans/programs.

Employees who are represented by a labor union may, or may not, be eligible for the program described in this document. The eligibility of represented employees
for this program may be governed by the applicable collective bargaining agreement(s) and/or be subject to collective bargaining.
Going out on disability
If you’re ill or injured and need to be away from work, what do you do? Comcast wants you to take good care of yourself and, most of all, to Be Well. Here's a
guide to what you need to know and do before, during, and after you experience a non-work-related disabling illness or injury.
Before starting a continuous disability-related absence
• Notify your supervisor before taking a leave of absence
whenever possible. If your absence is due to maternity, please see
the separate brochure “Understanding Maternity Time Off” for
everything you need to know to manage this special event.
• Next, contact our claims administrator, Sedgwick at 1-855-473-7830
for new claims with a first absence date of July 1, 2013 or later. ;
— A case manager will be assigned to you, will provide you with
appropriate forms, and will contact you with more information
about the process.
• If you are employed in California, New Jersey, or Rhode Island, you
must apply for disability benefits through the state. The state website
will have detailed instructions and the required forms. Your Comcast
Disability Benefits will be reduced by state disability benefits paid to
you or estimated by the claims administrator. Please remember to
submit your state disability benefits information to the claims
administrator to ensure your benefit is as accurate as possible. The
state website addresses are:
— California: www.edd.ca.gov/Disability/
— New Jersey: www.nj.gov/labor
— Rhode Island: www.dlt.ri.gov/tdi
• Your supervisor also needs to contact the ESC to report your last
day of work.
Tip!
TIP! Use Accolade (1-888-560-0902) as your Personal Health Assistant
before, during, and after a disability event to guide you through the complex
health care maze. Always contact our leave administrator for all questions
and information about disability benefits and claims.
1
During your continuous disability-related absence
• The claims administrator will be your main point of contact about
your Comcast disability benefits and Family and Medical Leave
during your absence.
• Respond to any requests for information you receive from the claim
administrator or Comcast, including the Employee Service Center
(ESC). The timing and completeness of your responses will have an
impact on keeping your claim moving and help to keep you up-to-
date with your benefit.
• The Employee Service Center (ESC) at 1-877-909-HR4U (4748) or
Comcast_esc@cable.comcast.com is available to answer general
questions about the process, Paid Time Off, Family and Medical
Leave, and payroll issues.
Before coming back to work
• If you are on a leave of absence due to your own medical condition,
you must provide a note to the claims administrator as well as the
ESC from your health care provider releasing you to return to work
(along with restrictions or accommodations, if any, that the doctor
suggests). No note is required for regular maternity disability. Email
the ESC at Comcast_Leave_Administration@cable.comcast.com or
fax information to:
— Sedgwick fax #: 1-855-464-2015 OR 1-866-315-0607
— ESC fax #: 1-215-286-4128
• You also need to contact your supervisor to discuss your return to
work date. Your supervisor will need this information to coordinate
your return and ensure that you get back in the payroll system.
• These steps help ensure that everything goes smoothly with your
transition back to work.
How short-term disability benefits work
If you’ve actively worked for Comcast for more than 90 Amount of Short-Term Disability Benefits
days, and have a non-work-related disability that
prevents you from performing your job, you’re The amount of STD benefits you can receive depends on several factors, including how long you’ve worked for
generally eligible to receive pay through a the company. For the first seven calendar days of absence of the approved STD period—called the “waiting
combination of available Paid Time Off and Short- period”—unused, accrued Paid Time Off is used to provide pay.*
Term Disability benefits. The actual percentage of
Hired before January 1, 2010 Hired on or after January 1, 2010
benefits you receive for Short-Term Disability depends
on several factors, such as whether you were hired Years of Service Short-Term Years of Service Short-Term Disability Benefit
before or after January 1, 2010, years of service, any Disability Benefit
state-provided benefits, and whether or not you
received STD benefits in the prior 52 weeks. More than 90 After the waiting More than 90 days After the waiting period, *
days period *, 100% of but less than 60% of pay for your approved
Also, you may be entitled to up to 12 weeks of job- pay for up to 6 1 year STD period
protected, unpaid Family and Medical Leave (FML). In weeks, then 75% of
At least 1 but less After the waiting period, *
general, your Short-Term Disability benefits, any pay for the next 6
than 2 years 75% of pay for up to 6 weeks, then
state-provided benefits, and leave under any state or weeks, then 60% of
60% of pay for the remainder
federal family and medical leave laws run pay for the
concurrently. For more information on state-provided remainder At least 2 but less After the waiting period, *
benefits, visit: than 3 years 75% of pay for up to 8 weeks, then
60% of pay for the remainder
• California: www.edd.ca.gov/Disability/
3 years or more After the waiting period, *
• New Jersey: www.nj.gov/labor 100% of pay for up to 6 weeks, then
• Rhode Island: www.dlt.ri.gov/tdi 75% of pay for the next 6 weeks, then
60% of pay for the remainder

With limited exceptions*, you must use any
unused, accrued Paid Time Off during the Short-
Term Disability waiting period (described under
“Seven-Day Waiting Period”).
Tip!
TIP! It’s always smart to save some Flex Time or
other Paid Time Off to ensure you’re paid for the
days before Short-Term Disability benefits begin.
Maximum duration of STD benefits is 26 weeks in a rolling 52-week period
“Pay” — for purposes of calculating the STD benefit — is determined based on your weekly
pre-disability income. Please see the Summary Plan Description for more details and a definition.
*Seven-Day Waiting Period
Short-Term Disability benefits start on the eighth calendar day following seven consecutive calendar days of
absence (called the “waiting period”). With limited exceptions, you must use any unused, accrued Paid Time
Off during the Short-Term Disabiity waiting period to receive pay. For example, some employees in California
and Vermont may not be required to use unused, accrued Paid Time Off during their Short-Term Disability waiting
period. For most employees, Paid Time Off is applied in the following order: Flex Time, Floating Holiday, and
Vacation. If you have other types of time off, your Paid-Time Off is applied as follows: DSH, ATTB PTO, CA PTO
Carryover, Flex Time, Floating Holiday, and Vacation. If you have no unused, accrued Paid Time Off, then the
seven-day waiting period is unpaid.

2
A good example
How Short-Term Disability benefits are paid and coordinated with Family and Medical Leave
Every case is different, but here is an example of how Short-Term Disability (STD) benefits may work. Note that Family and Medical Leave (FML), if
applicable, runs at the same time as the waiting period and the time you are receiving STD benefits..

• You have worked for Comcast for more than three years.
• You have not previously used any STD benefits or Family and Medical Leave (FML) during the prior 52 weeks.
TIP!
• You have at least two weeks of unused, accrued Paid Time Off.
• Your last day of work is May 31.
• June 1 is your date of disability.
Call the claims
• Your STD claim and FML is approved for 10 weeks from the date of your disability. Ten weeks from June 1 will be August 10. administrator as
• The 10 weeks that your claim is approved from your disability date are made up of: soon as possible if
— one week of Paid Time Off; you anticipate
— six weeks of STD benefits at 100%; plus
being disabled up
— an additional three weeks of STD benefits at 75%.
to seven days.
NOTE: The waiting period and disability date begin on the same date.
• Your seven-day waiting period (week one) begins on June 1 and is paid using Paid Time Off.
• Your STD benefits will normally begin on June 8 (the eighth consecutive day from your date of disability).
• After using ten weeks of Family and Medical Leave (June 1 through August 10), you return to work on August 11.

REMEMBER!
Week 1 Weeks 2 - 7 Week 8 - 10 Weeks 11
100% Pay 100% 75% and beyond This example
Paid Short-Term Disability Benefits Short-Term
Time You are
assumes you have
Disability
Off Benefits back at not taken any
work Family and Medical
Family and Medical Leave time off without pay up to 12 weeks
Leave or used any
May 31 June 1 June 8 July 20 August 10 August 11 STD benefits in the
Last Disability STD Disability Your STD STD Benefits You Return
Day of Date Benefits Begin prior 52 weeks.
benefit is and Approved to Work
Work reduced to 75% FML End

3
Short-term disability checklist
Filing for STD benefits is simple. You can call the claims administrator 24 hours a day, seven days a week. You need to provide documentation from your doctor
supporting your disability. Important: when you file for STD benefits, the claims administrator also starts your request for Family/Medical Leave (FML).
To be approved for FML, you must meet the eligibility requirements and have FML time available. Your STD benefits will run at the same time as
Family and Medical Leave. Here’s a checklist of what you need to know and do when faced with a disabling illness or non-work-related injury.
Go to the doctor and have him/her complete your medical
 Tell your supervisor. certification
 Contact your supervisor as soon as possible if you are absent from work due  Your doctor must provide information about your medical condition. Ask your
to temporarily illness or injury. Use the normal call out procedures for your doctor to complete all required forms and return them to the claims
work location. administrator. Without a medical certification signed by your doctor
substantiating your disability, benefits may be delayed or denied.
 Call the claims administrator to file your Short-Term
Disability claim and get a case manager.  Follow up with the claims administrator to ensure they have
 You or a family member should call Sedgwick, the claims administrator, as soon
everything they need to process your claim.
as possible if you anticipate being disabled for more than seven days. It is  .
your responsibility to make sure this happens. Just call 1-855-473-7830
to have a case manager assigned to you and have all of the Comcast forms  Check your claim status at https://viaoneexpress.sedgwickcms.net/comcast
you need to complete sent to you. using your PERNR and zip code of your mailing address noted in Employee
— Sedgwick: Self-Service.

 If you work in California, New Jersey, or Rhode Island, you
must apply for disability benefits through the state. Visit the
following websites for instructions and required forms.
— California: http://www.edd.ca.gov/Disability/
— New Jersey: http://lwd.state.nj.us/labor/tdi/worker/worker_landing.html
— Rhode Island: www.dlt.ri.gov/tdi
 Verify Paid Time-Off in Self-Service.
 Upon initiation of a claim, the ESC will automatically enter Paid Time Off (if
available) into Employee Self-Service for your regularly scheduled work hours
(up to a maximum of 40 and not including any overtime hours) during the
seven-day waiting period that you will be absent. Paid Time Off is applied in
a pre-determined order: DSH, ATTB PTO, CA PTO Carryover, Flex, Floating
Holiday, and Vacation. If you do not receive a paycheck for your waiting week,
please contact the ESC.
 Call Accolade at 1-888-560-0902 with any health-related
questions.
 Your personal Accolade Health Assistant is there with you before, during, and
after your disability event. They can help you navigate the health care system
and better utilize your health benefits to keep you feeling better.
 Any questions regarding your disability claim should be directed to the claims
administrator.
 Provide documents before returning to work.
 Before returning to work, you are required to submit a note from your doctor
releasing you to return to work to the ESC and the claims administrator.
— Sedgwick fax #: 1-855-464-2015 OR 1-866-315-0607
— ESC fax #: 1-215-286-4128

 You should also contact your supervisor to discuss your return date.


Disclaimer: This is not a legal document and may not apply to all employees. If there are any discrepancies between this document and the official Plan
Documents and policies, the Plan Documents and policies will prevail. This is not meant to be a complete description of our benefit plans/programs. Employees
who are represented by a labor union may, or may not, be eligible for the program described in this document. The eligibility of represented employees for this
program may be governed by the applicable collective bargaining agreement(s) 4 and/or be subject to collective bargaining.
Frequently asked questions
About Short-Term Disability
When should I file a disability claim?
It’s important to call our claims administrator as soon as possible if you
become ill or injured outside of work and expect to be disabled from your job
for more than seven consecutive calendar days.
How do I file a claim?
You file a Short-Term Disability (STD) claim by calling our claims
administrator, Sedgwick, at 1-855-473-7830
You will receive a comprehensive release authorization form that you are
required to sign from our claims administrator as well as documentation
required from your healthcare professional.
Note: STD is a financial benefit. Although you may be approved for STD
benefits, this approval does not automatically entitle you to a leave of
absence or reinstatement to your job. Under Comcast policy, you must be
approved for FML or Personal Leave to ensure continued employment.
How will the seven-day waiting period be handled while my STD
claim is reviewed?
If you have unused, accrued Paid Time Off, it is normally applied during the
waiting period in a pre-determined order: DSH, ATTB PTO, CA PTO
Carryover, Flex, Floating Holiday, and Vacation. If you’re a former AT&T
Broadband employee with available Disability Supplemental Hours (DSH),
you must use them first. Upon claim initiation, the ESC will automatically
enter time on your behalf for the waiting week. If you don’t have any unused,
accrued Paid Time Off, your waiting period is usually unpaid.
5
Life Happens…
Now What?
What happens to my other benefits while I’m receiving STD
benefits?
During your STD, Comcast benefits will continue provided you remain
employed. Note: Contributions to a Dependent Care Flexible Spending
Account may continue during leave; however, dependent care expenses
incurred while you are not actively at work may not be reimbursed from your
Dependent Care Flexible Spending Account.
You must continue to pay required employee contributions for benefits to
continue. If you are receiving STD benefits issued by Comcast, contributions
will be deducted from your STD benefit payments, if sufficient funds are
available. If you are not receiving disability income benefits issued by
Comcast, such as STD benefits issued by a state plan, or your STD benefits
issued by Comcast are not sufficient to cover your required contributions, you
are responsible for submitting payments to TowersWatson, the Comcast
benefits billing administrator.
What do I do if the claims administrator informs me that I am not
eligible for STD and/or Family and Medical Leave or my claim is
denied?
Follow any instructions provided by your claims administrator. If you are
unclear what to do, contact the ESC for additional guidance.
Frequently asked questions (continued) Where do I get more information on Short-Term Disability
eligibility and benefits?
Click on the HR/Benefits tab on Team Comcast and click on the Benefits
What do I need to do when I am ready to return to work? SPD (Summary Plan Description) section. Select the Disability Coverage link
for detailed information on the plan.
If you are on a Short-Term Disability, you must provide a note to the claims
administrator from your health care provider releasing you to return to work
(along with restrictions or accommodations, if any, that the doctor suggests).
No note is required for regular maternity disability. Need help?
— Sedgwick fax #: 1-855-464-2015 OR 1-866-315-0607
Claims Administration
— ESC fax #: 1-215-286-4128
Contact Sedgwick at 1-855-473-7830
You also need to contact your supervisor to discuss your return to work date.
Your supervisor will need this information to coordinate your return and A case manager will be assigned to you and will contact you with more
ensure that you get back in the payroll system. information. Your case manager can answer individual questions and
information about STD benefit amounts and duration.
If you have medical appointments following your return, you must make
reasonable efforts to schedule your appointments outside of your regular Employee Service Center (ESC)
work hours. To the extent you need to miss work time for scheduled
If you have general questions about your leave of absence, benefits
appointments, please speak with your supervisor.
during your waiting period, medical restrictions, disability benefits, paid
What if I need an accommodation due to a medical restriction? time off, or entering your time, please contact the ESC at 1-877-909-
HR4U (4748) or Comcast_esc@cable.comcast.com.
If you need assistance due to a medical restriction in order to return to work,
Comcast may need additional documentation from your health care provider Accolade
to assess whether the company can assist you. Please contact the ESC for If you have questions about health care benefits, you can contact
more information. Accolade at 1-888-560-0902 or www.YourAccolade.com.
How can Accolade help?
Accolade can assist you with any health-related concerns, knows our
benefits, and can help you navigate through the health care system. They
can answer any type of health-related question, find a doctor or other health
care provider, handle questions about specific illnesses or treatments and
educate you on how to better manage an ongoing condition.

For questions related to your disability claim, contact the claims

administrator.

6
How Long-Term Disability Benefits Work
Eligibility
If you are a regular full-time employee who has actively worked for Comcast
for more than 90 days, you are eligible for Long-Term Disability (LTD)
coverage. LTD coverage is an important safety net that protects your loss of
income if you’re out of work for an extended period.
Long-Term disability (LTD) benefits replace a portion of your base earnings if
you are remain disabled and can’t work after Short-Term Disability benefits
end (or 180 days, whichever is greater).
Basic LTD
You are automatically enrolled in Basic LTD coverage that provides 40% of
your base monthly earnings—or your Annual Benefits Base Rate (ABBR) if
you’re ABBR-eligible—up to a maximum of $10,000 per month, if you remain
disabled for more than 180 days.
Supplemental LTD
You can purchase additional Supplemental LTD coverage equal to 20% of
base monthly earnings (or ABBR if you’re an ABBR-eligible employee).
Together, the Basic LTD of 40% and Supplemental LTD of 20% bring your
total LTD benefit to 60% (up to a maximum of $15,000 per month).
Note: If you were hired on or after January 1, 2010, you’re automatically
enrolled in Supplemental LTD coverage. You may opt out of the
Supplemental LTD coverage during your initial enrollment period or at any
time during the year through ComcastBenefits.com.
If you waive Supplemental Long-Term Disability coverage and enroll or
increase coverage at a later date, you must complete an Evidence of
Insurability (EOI) Application and the claims administrator has to approve it
before you’re covered.
Making the Transition to Long-Term Disability
Once you have been receiving Short-Term Disability benefits for
approximately 18 weeks, you may be assigned a Long-Term Disability
(LTD) case manager with the insurance company for our LTD
Plan. This will start the process to determine your eligibility
for LTD benefits.
7
TIP!
Long Term Disability Claims are managed by MetLife. Click here
for more information on LTD Benefits.
Protecting Your Income When You Need It Most
The last thing you need to worry about is taxes if you’re dealing with a long-
term disability. For this reason, your coverage is paid for with after-tax
dollars—so that when you need money, your LTD benefit won’t be subject to
federal income tax.
If You Have a Pre-existing Condition…
If you received treatment, consults, services, and/or prescriptions, for a
medical condition (including maternity, mental health, and substance abuse)
within 90 days of LTD coverage taking effect, you are not covered for a long-
term disability related to that condition until 365 days have passed. The pre-
existing condition provision also applies if you change your LTD election from
Basic to Supplemental coverage.
What are “base earnings”?
Your LTD benefit is a percentage of your monthly base earnings,
also called “pre-disability income,” as follows:
Regular employee – Your annual base pay (excluding awards, bonuses,
commissions, overtime pay, shift differential pay, imputed income, and any
form of extra compensation) divided by 12.
ABBR-eligible employee – Your Annual Benefits Base Rate (ABBR)
divided by 12. Your ABBR is the total sum of your current year’s salary
and prior year’s commissions. If you’re new to a commissioned position,
the initial ABBR is the incentive target rate included in your employment
offer letter.
How LTD Benefits Are Paid
Let’s assume you remain continuously disabled for more than 180 days and
your pre-disability income (i.e., base monthly earnings) is $5,000. You have
both Basic and Supplemental LTD coverage for a total 60% benefit. Your
LTD benefit will be calculated as follows:
60% x $5,000 = $3,000 monthly LTD benefit
(reduced by Social Security disability and other income
provided to you or your dependents
How Is “Disability” Defined?
A disability is defined as:
• For the first 12 months of LTD benefits, being unable to earn 80% or
more of monthly pre-disability income at your own occupation in
the national economy, and
• After the first12 months of LTD benefits, being unable to perform
any gainful occupation for which you are reasonably qualified
given your training, education, experience, and pre-disability
earnings.
Other Income Replacement or Unemployment
Benefits Reduce Your LTD Benefit
Your LTD benefit will be reduced by other sources of income provided to you
or your dependents as a result of the same disability for which you are
receiving Comcast LTD benefits. For example, your LTD benefit will be
reduced by Social Security disability or retirement benefits, Workers’
Compensation, and disability or unemployment benefits required by law or a
compulsory government plan. For details, see the Summary Plan Description
on TeamComcast.
Continuing Your Benefits during LTD
While you are receiving LTD benefits, Medical and Prescription Drug, Dental
Care, Vision Care, STD and LTD benefits and Life & Accidental Death &
Dismemberment Insurance will continue while you are employed by
Comcast. To continue your benefits, you must pay your share of the
cost of those benefits.
Where Can I Get More Details on LTD?
Click on the HR/Benefits tab on Team Comcast and click on the Benefits
SPD (Summary Plan Description) section. Select the Disability Coverage
link for detailed information on the plan.
Need help?
Employee Service Center (ESC)
If you have general questions about being on Long-Term Disability and
how it affects benefits and employment, please contact the ESC at
1-877-909-HR4U (4748) or Comcast_esc@cable.comcast.com.
Accolade
If you have questions about disability coverage or health care benefits,
you can contact Accolade at 1-888-560-0902 or
www.YourAccolade.com.
Disclaimer
This is not a legal document and may not apply to all employees. If there are
any discrepancies between this document and the official Plan Documents
and policies, the Plan Documents and policies will prevail. This is not meant
to be a complete description of the Comcast benefit plans/programs.
Employees who are represented by a labor union may, or may not, be
eligible for the program described in this document. The eligibility of
represented employees for this program may be governed by the applicable
collective bargaining agreement(s) and/or be subject to collective bargaining.