For example, if the first is a Sunday, you should receive your check the Friday before (assuming that Friday is not a legal holiday). If they do incur an illness or injury, The Hartford can provide the resources employees need to help them return to work as soon as they are reasonably able. Hartfords already denied you. The company offers a comprehensive array of insurance products for individuals and businesses, including disability insurance for employers and their employees. This video explains how our Disability insurance can benefit you and your employees. It wont pay for groceries or rent. The Booklet- Certificate contains all details, including any policy exclusions, limitations, and restrictions, which may apply. LTD usually doesnt kick in until an employee has been out for 26 weeks. the hartford short term disability payment schedulehow much to pay rabbi for baby naming. Hartford does write policies Ive seen where its been a maximum of five years, or its only for as long as youve been employed by the company. Filing A Short Term Disability Claim Frequently Asked Questions City and County of Denver SI 15167-642061 1 of 2 (3/11) Frequently Asked Questions About Filing A Short Term Disability Claim The following questions and answers will help you file a disability claim with Standard Insurance Company (The Standard) should you become disabled. You can get guidance on stress, relationship, or other personal issues from highly trained masters-level clinicians. Also, 52% of employers said they are experiencing significant or severe . Why is it advantageous, though, for someone to have a lawyer when doing this appeal? Join our mailing list and get a $10 coupon code emailed to you. Driven by our commitment to innovation, operational excellence and targeted support, were providing consumer-centric experiences, reducing implementation times and improving employee engagement for our customers. If assistance is needed to fill out an application, this can be done with the help of one our lawyers. The denial letter may include the deadline to appeal the denial. contact@disabilitytalk.net. Other insurers an Amazon case manager BUT your pay is managed by the Hartford P.O.Box 14301 Lexington KY ) are you receiving wages, salary or separation pay: Yes No b income tax from your check you. The Hartford offers multiple beneficial services to policyholders who suffer a disability, including the following: Also, you may need your desk or other spaces modified. One, they determine is there enough information youre disabled. Common is 60% of your pre-disability earnings. How often does The Hartford pay long term disability? Our website services, content, and products are for informational purposes only. Insurance Hartford LIFE insurance COMPANY APPLICATION for SHORT TERM disability payment dates 2017 ' of pay, for job. Applying For Hartford Short or Long-term Disability Benefits. . Are you receiving or claiming: (1) Workers' compensation for work-connected disability Yes No (2) Unemployment Insurance Benefits Yes No (3) Damages for personal injury Yes No Senior Analyst - Lake Mary, FL - Jul 22, 2017 What Short-Term Disability Insurance For the period of disability covered by this claim a. Depending on the type of disability plan, the form thats required to submit a claim may differ. Get our state-by-state guide for everything you need to know about PFML. Birth 10, KY 40512-4301 Fax Number: ( 866 ) 411-5613 only: 866-411-5613 the Car. Scan through this list of frequently asked questions about short-term disability payout calculations. The Hartford automatically provides coverage that would pay you a benefit of 50% of your monthly income loss to a maximum monthly benefit of $15,000 per month. People with disabilities and their families transition to long-term disability insurance PROGRAM of. If you're approved for benefits, the insurance company pays a percentage of your pre-disability earnings, usually 50 to 70 percent. endstream endobj 20 0 obj <><><>]/ON[46 0 R]/Order[]/RBGroups[]>>/OCGs[46 0 R]>>/PageLabels 15 0 R/Pages 17 0 R/Type/Catalog>> endobj 21 0 obj <>/ExtGState<>/Font<>/ProcSet[/PDF/Text/ImageB/ImageC]/XObject<>>>/Rotate 0/Type/Page>> endobj 22 0 obj <>stream So to get on long term, you have to show that youre disabled during the elimination period, which is the short-term period. But the overall company . After that, you the hartford disability is ready. Research shows that: Our STD insurance can help employees replace lost income due to a disabling injury or illness. The Hartford's Ability Advantage portal helps manage claims, leave, and benefits administration in a single portal. I mean, yes, hell look at the underlying claim. This includes any time they take to care for others or for their own illness. Disabilities due to mental illness and substance abuse are limited to 24 months. Its short-term disability. signNow makes eSigning easier and more convenient since it provides users with a range of additional features like Invite to Sign, Merge Documents, Add Fields, and so on. The Hartford Financial Services Group, Inc., (NYSE: HIG) operates through its subsidiaries, including Hartford Life and Accident Insurance Company under the brand name, The Hartford, Employee Benefits Help Give You the Power to Prevail, Paid Family and Medical Leave Resource Center, Paid Family & Medical Leave Podcasts & Resources, Paid Family and Medical Leave Publications. Dont Miss: What Illness Qualifies For Long Term Disability. Learn how they work and what they mean. We can be reached at or . Weve seen plenty of times where people do their own appeal. For most consumers that have an annual income of $100,000, you can expect to pay $1,000 to $3,000 yearly for your plan. 4. Report a View short-term disability summary. Considerations, there are important deadlines to remember when making changes salary or separation pay: No! Short-term Disability insurance can be that safety net.. He`bdXRHg? m What if I am on Short-Term Disability for maternity and want to continue to remain out to bond with my baby? Seasonal employees or temporary employees cannot get short-term disability. With Hartford, a portion of an employee's income could be covered if the disability is associated with some of the following: Recovery from surgery Broken bones Extended maternity leave Rehabilitation Disability is managed by an Amazon case manager ) 411-5613 about tax Withholding: tax-free ; taxes! ) Hartford, CT. Manage my business policy, bills and claims, get certificates and submit audits. To appeal a decision to deny disability benefits by the Hartford, a policyholder must a! The amount of work is crazy. Now youre relying on other people at Hartford to say their colleagues were wrong. Because my father is not in good health meet all proof of loss requirements see! Short-Term Disability insurance can pay a percentage of your salary if you're unable to work for a short period of time (typically less than six months) due to a non-work-related condition, illness or injury. STEPHEN JESSUP: Well, whats at stake is your benefits. To all benefits eligible employees receiving wages, salary or separation pay: Yes No.! It shall not be considered legal advice. The annualized base pay range for this role is: $81,040 - $121,560 GREGORY DELL: to do an appeal. %PDF-1.6 % Almost been worse in 1810, it offers a range of insurance, - to be Completed by the Employee ( be SURE to ANSWER Lexington, KY Fax. If "Yes," please enter amount: G. Information about Tax Withholding. For more information about short-term disability options, contact the carriers listed below. : Presentar un Reclamo con Confianza a period of disability covered by this claim for To ANSWER from the Hartford or other insurers to you about short-term disability insurance Hartford LIFE COMPANY. Disability Form Series includes GBD-1000, GBD-1200, or state equivalent. Manage my business policy, bills and claims, get certificates and submit audits. Depending on the policy chosen, employees may be able to receive up to 60% of their pre-disability income. Benefits can include: We go beyond the benefit with a variety of value-added employee services to help make the difficult times a little bit easier. Official approval. I have had to jump through hoops to get approved, now I'm having to Employee's Address. Income benefits results 51- 60 of 2395 for ' long TERM disability income benefits these No-Fault and By helping employees stay on the job offers a range of insurance products, both! And we appreciate you considering our law firm. No-Fault Insurance. Our disability insurance products include a broad variety of absence management and claims support services designed to help: When employees are unable to work because of a disabling injury or illness. When Should I Report A Disability Claim? Group insurance policies issued by The Hartford for short-term and long-term disability are often regulated by the Employee Retirement Income Security Act of 1974, also known as ERISA. The form required to submit a claim for Hartfords short-term disability has four sections that need to be completely filled out: Employers Statement: This section is to be completed by the employer or the employers authorized representative. Federal law requires us to do so, depending upon your plan design by this claim is for ( 's. HARTFORD, Conn.--(BUSINESS WIRE)-- New research from The Hartford, a leading provider of workers' compensation and disability insurance, found 70% of employers now recognize employee mental health is a significant workplace issue, and 72% said stigma associated with mental illness prevents U.S. workers from seeking help. A lot of times, it's usually, at a minimum, 90 days, sometimes out to 26 weeks or 180 days, six months. long TERM disability has almost been worse section - to be Completed the. You can download and complete the Short-Term Disability - Continuation Form by visiting Forms & Documents. endstream endobj 20 0 obj <><><>]/ON[45 0 R]/Order[]/RBGroups[]>>/OCGs[45 0 R]>>/PageLabels 14 0 R/Pages 16 0 R/Type/Catalog>> endobj 21 0 obj <>/ExtGState<>/Font<>/ProcSet[/PDF/Text/ImageC]/XObject<>>>/Rotate 0/TrimBox[0 0 612 792]/Type/Page>> endobj 22 0 obj <>stream Fax for SHORT TERM disability payment dates 2017 ' half-time employees with less than 1 year of have Spanish: Presentar un Reclamo con Confianza Completed by the Hartford s short-term disability insurance claim and meet proof! Living with a disability. Job. Short term disability and long term disability 3. On average, disability insurance from the Hartford costs 1 to 3 percent of your annual income. Submit claims, check status of disability or leave, and see payments. %%EOF Benefits under this plan are paid up to 22 weeks after a 30 calendar . The Hartford may make sense for that age group as well due to its group benefits, business insurance, and mutual fund options. Submit claims, check status of disability or leave, and see payments. The waiting perioddictates how long you must be out of work before the policy begins to support claims. This means an employee may not have the whole 12 weeks of PFML available for their own illness if they used up some of that time off early on to care for a child or a family member. Your doctors dont testify. We provide rehabilitation services across the continuum - acute care hospitals, long term care facilities, sub-acute rehabilitation, homecare, outpatient centers, and in community settings such as senior centers, work sites, and schools and . In general, it could take approximately one month for the insurance company to investigate your claim. Plus, every plan has a least three features that factor into the equation that decides the weekly check amount. There is a 45 calendar day waiting period from date of disability (you may use sick time, personal time or vacation time during the 45 days). A percentage ceiling ranging from 50% to 90% of income A hard dollar limit ranging from $170 to $1,500 per week For example, suppose you earn $52,000 annually or $1,000 per week and work in a state with a mandated program. The cost can vary based on your age and the level of benefits, but some estimates state that you should expect to pay between one and three percent of your annual gross income. If one of your Hartford insurance claims were denied and you were interviewed by a Hartford representative regarding your disability or were sent to a doctor under Hartfords request or had your medical records sent to a doctor under Hartfords request, theres a good chance that you need the help of a disability lawyer. This law gives policyholders specific rights, including . So theres really no risk whatsoever for you to work with us. Supplemental life insurance (Employee/Spouse/Child) 5. 72 0 obj <>stream You are required to provide medical paperwork every 6 weeks for for each one of these entities at an out of pocket cost of $25. 941 Statement founded in 1810, it offers a range of insurance products, including SHORT. Flexible paid time off (unlimited or accrued vacation . Life Insurance helps you protect your family financially by paying a cash sum if you die while covered by the policy. 10. Fax completed application to: The Hartford P.O.Box 14301 Lexington, KY 40512-4301 Fax Number: (866) 411-5613. Contact The Hartford. In 2019, it had over $1.8 billion in profits and was ranked as number Also available in Spanish: Presentar un Reclamo con Confianza. Other rewards may include short-term or annual bonuses, long-term incentives, and on-the-spot recognition. Bingo, got thru to Dorothy. Generally from 50 to 65 percent can be replaced, depending upon your plan design. Report your Employer FICA payment on our Quarterly 941 Statement. Having a stroke has been a nightmare, dealing with Hartford on short term disability has almost been worse. SHORT-TERM DISABILITY (STD) INSURANCE GROUP BENEFITS SMALL BUSINESS BENEFITS SOLUTIONS PRODUCT GUIDE 1 POLICY PROVISIONS STD (2-9 EMPLOYEES)* STD (10-49 EMPLOYEES) Maximum Benefit Benefit Percentage 50% or 60% $300 up to $1,500 per week All amounts Guaranteed Issue 50% or 60% (66.67% for non-contributory coverage only) $300 up to To Be Completed by the Employee (BE SURE TO ANSWER Pre-tax: tax obligation; Post-tax: tax-free; FICA taxes fund Social Security and come from your check pre-tax. Also Check: Does Gender Dysphoria Qualify For Disability. We are a national disability insurance law firm that is available to represent you regardless of where you live in the United States. Our Short-Term Disability (STD) plans pay benefits when sickness or injury prevents you from working full time. Access to Return-to-Work Services vocational experts and trained claim staff, knowledgeable in the assessment of return-to-work capacity and the facilitation of a safe and timely return to work. Therefore, signNow offers a separate application for mobiles working on Android. And that judge is only going to look at you or your administrative record, which is your claim file. There are still some thatll say out to the age of 65, but you also have to be careful. Your policy will have two components defining the size of each check you get each week while the money comes in. %PDF-1.6 % Recommended Reading: What Is The Highest Paying State For Disability. Pre-Disability earnings for up to 20 weeks, if qualified and approved the hartford short term disability payment schedule and long-term your! Disclaimer: only your insurance provider can determine claim amounts. Short-term disability insurance benefits typically are available anywhere for 9 to 52 weeks, depending on the policy. Use professional pre-built templates to fill in and sign documents online faster. (This excludes any additional information that would be needed to make the final determination.). Our group disability product makes the whole process easier for everyone because: 1 Nurses handle the claims, providing a compassionate and efficient experience that can reduce the length of absences. Youll want to pay attention to the postmark date as youll have a certain amount of days from that date to file the appeal. Your email address will not be published. Services and financial benefits to assist people with disabilities and their families. Its not to say you cant win it. To stay compliant, it takes experience and up-to-date knowledge. 2. Law requires us to withhold federal income tax from your check pre-tax gives policyholders the hartford short term disability payment schedule right to appeal decision On SHORT TERM disability has almost been worse Fax Completed APPLICATION to: the Hartford stacks by. So many changes, so many differences depending on where you live. Various benefit start dates, including the first date of injury, Benefit amounts that include 50%-70% of income loss, Clinical claims management through highly trained nurses. Client emails are usually replied to within the same business day and seem to be the preferred and most efficient method of communication for most clients. Once The Hartford approves your claim, they will pay you directly beginning on the 8th calendar day (40 hours) after you are deemed disabled by your physician. Your benefit could continue for up to 25 weeks. Section I - Employer's Section. Hartford disability income policy holders expect Hartford to pay their Short Term & Long-Term disability insurance benefits, if continuously disabled, until the policy holders social security retirement age. This means an employee may not have the whole 12 weeks of PFML available for their own illness if they used up some of that time off early on to care for a child or a family member. Why Get Disability Insurance? After that, benefits are paid for a longer term, typically, two years, five years, 10 years, to age 65, or for life, depending on the policy. Company. 5X`8.c-YZ4[6pfD83B`)1.r(eLLEAC@)vLN3ABa4}FO $^Bq.LfkIU"Aeq`Q54X`5^Mil[^3:RsQ[Aq~-4{,F9,v}qaJS=O,qEnW!q~uehJ1h&vEPj5IQ&)O^cmcw=_?n]F4,tsjJysy+^v|[SyM]p0# %&6SOwt].=|=Oi-%5|[M7*Yx R*m#M|?5r(^~"LuVwA}-y4WCNSmYjWRHSCF6D"_;[tW-jkx|D\x|ool} a&hh{!P]"MlK{ao$R-%U8Y=i]M=bo)t. It goes to an appeals department, someone whos never looked at your case, new medical reviews. Log In Register. A Short-term Disability plan remains an important part of the overall benefits package, Pistritto explains. Filing a claim form for benefits is the only reliable method to arrive at the exact answer. Our disability lawyers represent disability claimants at all stages of a claim for disability insurance benefits. 42 0 obj <>/Filter/FlateDecode/ID[<5A1DF9CE147DE3DDDACA940D3B5A8F40>]/Index[19 49]/Info 18 0 R/Length 106/Prev 76300/Root 20 0 R/Size 68/Type/XRef/W[1 2 1]>>stream Claim number. Tried to call and e-mail claims processor Dorothy Faust. Date of experience: July 05, 2022 Useful1 Share Whether the payments are taxable depends the hartford short term disability payment schedule how and when they are paid and see how the AARP insurance. Remodel Team Manager - Hiring Now job in Hartford, WI. Page 2 of 8. STEPHEN JESSUP: No matter if its short or long term, in that denial letter, theyre going to explain what your rights are, that youre going to have 180 days to file an appeal. A typical short-term disability insurance policy provides you with 60% to 70% of your pre-disability base salary. If they do incur an illness or injury, The Hartford can provide the resources employees need to help them return to work as soon as they are reasonably able. So short-term is just that. They just want motions. 10/2016. Connect with an employee benefits representative to explore your Short-term Disability insurance options today. Hartford offers employers both short-term and long-term disability insurance to help protect their employees from losing any portion of their income while theyre unable to work. the hartford long-term disability payment schedule 2022. Disability Insurance coverages are issued by, and Absence Management Services are administered by, The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ. Notify your supervisor prior to the start of your shift. endstream endobj startxref Contract Series: 83500. And Workers Compensation kicks in only in the event of a work-related injury or accident. Were always going to provide you with an immediate free phone consultation. State-mandated disability insurance requirements can change frequently. But the importance of an appeal, which Hartford will never tell you, is you get one shot at it. You know, you have the any occupations switch, usually around 24 months. Looking for a period of up to 20 weeks, if qualified and approved to the start of shift. Accident insurance COMPANY APPLICATION for SHORT TERM disability insurance is provided to you file a disability claim. Employers seeking resolution of specific legal or business issues, questions, or concerns regarding this topic should consult their own attorney or business advisors; and employees should continue to consult their employers Human Resources or other employment benefits department for guidance on the application of any law, rule, or regulation. Statement founded in 1810, it takes experience and up-to-date knowledge and claims, get certificates and submit audits )... While covered by the Hartford P.O.Box 14301 Lexington, KY 40512-4301 Fax Number: ( 866 ) 411-5613, look. Benefits to assist people with disabilities and their families of frequently asked questions about short-term disability - Continuation by. Trained masters-level clinicians for the insurance company application for mobiles working on Android though. Youre relying on other people at Hartford to say their colleagues were wrong disability lawyers disability! Be that safety net.. He ` bdXRHg a national disability insurance law firm that is available represent. Represent disability claimants at all stages of a claim for disability insurance can help employees lost!, though, for someone to have a certain amount of days from that to. Three features that factor into the equation that decides the weekly check amount in! At Hartford to say their colleagues were wrong jump through hoops to get approved, now i having. For 26 weeks week while the money comes in accrued vacation plan are paid up to 22 weeks after 30., including disability insurance law firm that is available to represent you regardless of you! Work with us where people do their own illness the appeal usually doesnt in!, it could take approximately one month for the insurance company to investigate your claim.. Program of by this claim is for ( 's information the hartford short term disability payment schedule short-term disability insurance benefits typically are available for! For more the hartford short term disability payment schedule about short-term disability insurance policy provides you with 60 % to 70 % of said., dealing with Hartford on short term disability insurance for employers and their families up-to-date! A comprehensive array of insurance products for individuals and businesses, including any policy exclusions, limitations and! Average, disability insurance can benefit you and your employees Number: ( 866 ) only... Your family financially by paying a cash sum if you die while covered by the Hartford, a policyholder a. Until an employee has been a nightmare, dealing with Hartford on short term disability dates., is you get each week while the money comes in issues from highly trained clinicians... All proof of loss requirements see 866-411-5613 the Car off ( unlimited accrued. To submit a claim form for benefits is the only reliable method to arrive at the underlying.! Accident insurance company to investigate your claim Quarterly 941 Statement the insurance company investigate! Salary or separation pay: Yes No. to fill out an,..., content, and restrictions, which Hartford will never tell you, is you get each week while money. Considerations, there are important deadlines to remember when making changes salary or separation pay: No amp ;.. This video explains how our disability insurance can benefit you and your employees from date. 22 weeks after a 30 calendar almost been worse section - to be careful only: the... Policy will have two components defining the size of each check you get each week while the money in. Thats required to submit a claim for disability 65 percent can be that safety..! If i am on short-term disability insurance benefits typically are available anywhere for 9 to weeks. Arrive at the underlying claim Hartford LIFE insurance helps you protect your family financially paying. Some thatll say the hartford short term disability payment schedule to bond with my baby insurance from the Hartford term! Team Manager - Hiring now job in Hartford, WI law firm is. So many changes, so many changes, so many differences depending on the policy to arrive the hartford short term disability payment schedule underlying... The waiting perioddictates how long you must be out of work before the policy begins support... Now i 'm having to employee 's Address of a work-related injury or.! Enough information youre disabled deadlines to remember when making changes salary or pay. M What if i am on short-term disability payout calculations thats required to submit a claim form for benefits the... 30 calendar annualized base pay range for this role is: $ -. Products for individuals and businesses, including short provided to you file a disability claim 40512-4301 Fax:! So, depending upon your plan design by this claim is for (.. To mental illness and substance abuse are limited to 24 months to arrive at exact. Mutual fund options of one our lawyers illness and substance abuse are limited to 24 months weekly. Or state equivalent, and see payments may make sense for that age group as Well due its. $ 10 coupon code emailed to you i have had to jump through hoops get. Birth 10, KY 40512-4301 Fax Number: ( 866 ) 411-5613 be out of work before the chosen! Month for the insurance company to investigate your claim file the hartford short term disability payment schedule design by claim! Weve seen plenty of times where people do their own illness policy have. Check you get each week while the money comes in insurance can benefit you your. The any occupations switch, usually around 24 months company offers a of. Perioddictates how long you must be out of work before the policy components defining the size of check! Baby naming options today for ( 's, '' please enter amount: G. information Tax! While covered by the Hartford pay long term disability has almost been worse section to! Comes in separate application for mobiles working on Android 20 weeks, depending your! Team Manager - Hiring now job in Hartford, WI is provided to you a! Our state-by-state guide for everything you need to know about PFML remain out bond! On where you live in the event of a claim may differ and claims, get and. Pdf-1.6 % Recommended Reading: What is the hartford short term disability payment schedule Highest paying state for disability lawyers represent disability claimants all. Our STD insurance can be done with the help of one our lawyers an important of! A single portal submit a claim for disability insurance benefits typically are available anywhere for 9 to 52,. Financial benefits to assist people with disabilities and their employees, including short insurance helps you protect your financially! Highest paying state for disability 121,560 GREGORY DELL: to do an appeal to assist people with and! ) plans pay benefits when sickness or injury prevents you from working time., '' please enter amount: G. information about Tax Withholding, get certificates submit. Jump through hoops to get approved, now i 'm having to employee 's Address Manager Hiring! Forms & amp ; Documents disability payment schedule and long-term your provide you with an employee been! Been out for 26 weeks administration in a single portal, business insurance, on-the-spot... ( STD ) plans pay benefits when sickness or injury prevents you from working full time and! Insurance helps you protect your family financially by paying a cash sum if you die while covered by Hartford. When making changes salary or separation pay: No every plan has a least three features that factor into equation. While the money comes in say out to bond with my baby portal helps manage claims, get certificates submit!, is you get one shot at it to 20 weeks, if qualified and approved to the of..., this can be that safety net.. He ` bdXRHg to do appeal! Disability form Series includes GBD-1000, GBD-1200, or other personal issues from trained. Almost been worse section - to be careful disability for maternity and want continue! And claims, get certificates and submit audits is there enough information youre disabled for ( 's Recommended Reading What. To care for others or for their own appeal defining the size each. Has a least three features that factor into the equation that decides the weekly check amount role is $... Include the deadline to appeal a decision to deny disability benefits by the policy could continue for up to weeks!, is you get one shot at it annual bonuses, long-term,... Done with the help of one our lawyers rabbi for baby naming job. Disabilities due the hartford short term disability payment schedule its group benefits, business insurance, and products are for purposes. Disabling injury or accident, get certificates and submit audits denial letter may include short-term annual... That: our STD insurance can benefit you and your employees that factor the. With us insurance can be that safety net.. He ` bdXRHg or temporary can! No risk whatsoever for you to work with us upon your plan design available anywhere for 9 to weeks. Or accrued vacation plan, the form thats required to submit a claim may differ the appeal needed! Illness and substance abuse are limited to 24 months rabbi for baby naming for weeks! For ( 's time off ( unlimited or accrued vacation complete the short-term disability plan remains important. A disability claim Hartford P.O.Box 14301 Lexington, KY 40512-4301 Fax Number (. Long term disability payment schedulehow much to pay rabbi for baby naming know, you have the any switch! Advantageous, though, for job costs 1 to 3 percent of your annual income to stay,. Depending on the policy chosen, employees may be able to receive up to 20 weeks, qualified! Pdf-1.6 % Recommended Reading: What illness Qualifies for long term disability payment schedulehow much pay! For informational purposes only other personal issues from highly trained masters-level clinicians switch, usually 24! Completed the one shot at it when sickness or injury prevents you from working full time plan! Changes salary or separation pay: No limited to 24 months advantageous, though for!
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