Document/Exhibit Description Pages Size
1: 10-K Annual Report 53± 241K
2: EX-10 Material Contract 24± 70K
3: EX-10 Material Contract 82± 282K
4: EX-10 Material Contract 16± 55K
5: EX-10 Material Contract 40± 129K
6: EX-10 Material Contract 1 5K
7: EX-10 Material Contract 37± 128K
8: EX-10 Material Contract 19± 73K
9: EX-10 Material Contract 16± 39K
10: EX-10 Material Contract 6± 24K
11: EX-10 Material Contract 6± 22K
12: EX-21 Subsidiaries of the Registrant 1 6K
13: EX-24 Power of Attorney 2± 12K
14: EX-27 Financial Data Schedule (Pre-XBRL) 1 7K
Exhibit 10(k)
Form G.2130-S
DOCPRINT: PORT MET
a:I651p.doc!090002 document format!080022 tab setting!090004 fixed
1
!090005 fixed
Employer: Northrop Corporation
090008Group Policy No.: 91360-G
090010Date of Issue: July 1, 1995
&090018 Type of Coverage: Long Term Disability
090012
In return for the payment of the premiums when they fall due
090014 fixed
Metropolitan Life Insurance Company
(Herein Called Metropolitan)
090016 fixed
will pay the insurance and other benefits which are described in
the Exhibits, subject to the terms and provisions of this Policy.
The Schedule of Exhibits sets forth each Exhibit which is to be
attached to and made a part of this Policy and to whom each such
Exhibit applies.
!090020 fixed
3
Christine N. Markussen T. Athanassiades
Vice-President and Secretary President and Chief Operating Officer
090021 Premiums Are To Be Paid On A Monthly Basis
090024 fixed
The Dividend, If Any, Is To Be Determined Each Year.
!090050 Leading Adjustment, Page Numbering "i", Margins, Tab
Setting
TABLE OF CONTENTS
Page
Section 1. DEFINITIONS 1
Section 2. ELIGIBILITY AND EFFECTIVE DATES OF INSURANCE 1
Section 3. CONTRIBUTIONS 1
Section 4. CESSATION OF INSURANCE 1
Section 5. SCHEDULE OF INSURANCE 1
Section 6. PREMIUM RATES 2
INITIAL RATES 2
COMPUTATION OF PREMIUM 2
PREMIUM ADJUSTMENTS 2
CHANGES IN RATES 2
Section 7. PREMIUM DUE DATES 2
Section 8. PAYMENT OF PREMIUMS 2
Section 9. GRACE PERIOD 3
Section 10. CERTIFICATES 3
Section 11. ASSIGNMENT 3
Section 12. RECORDS TO BE MAINTAINED 3
Section 13. INFORMATION TO BE FURNISHED 4
Section 14. ENTIRE CONTRACT 4
Section 15. INCONTESTABILITY; STATEMENTS 4
Section 16. MISSTATEMENT OF AGE 4
Section 17. CHANGES IN THE POLICY 5
Section 18. PARTICIPATION 5
Section 19. DIVIDENDS 5
Section 20. DISCONTINUANCE OF THE POLICY 5
Section 21. ADDITIONAL PROVISIONS 6
SCHEDULE OF PREMIUMS 7
SCHEDULE OF EXHIBITS 8
2. DEFINITIONS
090118The term "Employee" means any person defined as such in an
Exhibit listed in the Schedule of Exhibits.
090122The term "Personal Insurance" means insurance on account of
an Employee.
090126The term "Personal Insurance Eligibility Date" means the
date an Employee is eligible for Personal Insurance.
090130The term "Premium Due Date" means the first day of each
month after the Date of Issue.
090132The term "Policy Period" means a period beginning with any
July 1st and ending with the next June 30th.
090136 The term "Non-Contributory Insurance" means insurance for
which the Employee does not have to pay the cost.
!090139
3. ELIGIBILITY AND EFFECTIVE DATES OF INSURANCE
090140The provisions regarding eligibility and effective dates of
insurance with respect to any Employee are set forth in the
Exhibit which applies to such Employee.
!090143 fixed
Section 3. CONTRIBUTIONS
090148The Employer does not require Employees to contribute to
the cost of the Non-Contributory insurance.
!090160 fixed
Section 3. CESSATION OF INSURANCE
An Employee's insurance will cease as set forth in the Exhibit
which applies to the Employee. The insurance on all Employees
will cease on the date this Policy is discontinued.
!090164
4. SCHEDULE OF INSURANCE
090166The amounts of insurance which are in force on account of
an Employee will be as set forth in the Exhibit which applies to
such Employee.
!090182 fixed
Section 4. PREMIUM RATES
INITIAL RATES
The initial premium rates are set forth in the Schedule of
Premiums.
COMPUTATION OF PREMIUM
The premium is the sum of the premiums for the total amounts of
all of the types of insurance then in force, subject to premium
adjustments, if any. Such premium is determined on the basis of
the premium rates which are then in effect.
In the computation of the premium which is due on any Premium Due
Date, Metropolitan may use any equitable method which is
agreeable to both the Employer and Metropolitan.
PREMIUM ADJUSTMENTS
A premium adjustment which involves a credit to the Employer will
be limited to the period of twelve months before the date of the
receipt by Metropolitan of evidence that such an adjustment
should be made.
CHANGES IN RATES
090200Metropolitan may change any or all of the premium rates if
there is a change in the terms of this Policy. Metropolitan may
also change any or all of the premium rates on any Premium Due
Date, provided Metropolitan has given the Employer written notice
of such change thirty-one days prior to the date such change is
to become effective.
!090244 fixed
Section 4. PREMIUM DUE DATES
The initial premium is due on the Date of Issue. All other
premiums will be due on each Premium Due Date.
090248The premium payment must be paid on a monthly basis unless
the Employer requests in writing a change in the mode of premium
payments to an annual, semi-annual or quarterly basis.
Any change in the mode of premium payments must be approved by
Metropolitan.
!090250 fixed
Section 4. PAYMENT OF PREMIUMS
All premiums which fall due, with the adjustments, if any, will
be payable by the Employer on or before their respective due
dates. All such premiums are to be paid at the Home Office of
Metropolitan (or at such office as Metropolitan may designate for
that purpose) or to an authorized representative of Metropolitan.
The payment of a premium will not maintain the insurance in force
beyond the day before the date the next premium is due, except as
set forth in Section 9.
!090254
5. GRACE PERIOD
090256A grace period of thirty-one days will be granted by
Metropolitan for the payment of any premium which falls due after
the Date of Issue.
During the grace period this Policy will continue to be in force.
090264If the Employer fails to pay the premium within the grace
period, Metropolitan will discontinue this Policy on the last day
of the grace period.
However, if notice in writing is given by the Employer to
Metropolitan prior to the end of the grace period that this
Policy is to be discontinued before the end of the grace period,
this Policy shall be discontinued on the later of (a) the date of
receipt of such notice by Metropolitan or (b) the date specified
in the notice for such discontinuance.
In any case, the Employer will be liable to Metropolitan for the
payment of the pro-rata premium which accrues for the period the
Policy is in force.
!090270 fixed
Section 5. CERTIFICATES
Metropolitan will furnish certificates to the Employer for
delivery to each Employee who is insured. The certificate will
state the insurance protection to which the Employee is entitled
and to whom the benefits will be paid. The certificate will set
forth the provisions of this Policy which mainly affect the
Employee. The word "certificate" includes riders and supplements
to the certificate, if any.
!090274 conditional end of page
6. ASSIGNMENT
090278An Employee's certificate may not be assigned. The
Employee's insurance and benefits may not be assigned prior to a
loss.
!090292 fixed
Section 6. RECORDS TO BE MAINTAINED
Records which relate to the insurance under this Policy will be
maintained. Such records will include the following:
a. The names and ages of all Employees who are insured.
b. The amounts of insurance in force on each Employee.
c. The effective date of each Employee's insurance.
d. The effective date of any change in an amount of an
Employee's insurance.
Such records will be maintained by Metropolitan; the records may,
with the consent of Metropolitan, be maintained by the Employer.
!090300 fixed
Section 6. INFORMATION TO BE FURNISHED
The Employer and the Employees will furnish to Metropolitan all
of the information which Metropolitan may reasonably require with
regard to the matters which relate to the insurance. The Employer
will allow Metropolitan to inspect all documents, books and
records of the Employer which relate to the insurance or to the
premiums.
!090310 fixed
Section 6. ENTIRE CONTRACT
This Policy and the application of the Employer constitute the
entire contract between the parties. A copy of the application is
attached to this Policy.
Section 7. INCONTESTABILITY; STATEMENTS
090316Any statement made by the Employer or by an Employee will
be deemed a representation and not a warranty. No such statement
will avoid the insurance or reduce the benefits under this Policy
or be used in defense to a claim under this Policy unless it is
contained in a written application. No such statement of the
Employer will be used at all after the Policy has been in force
for two years from its Date of Issue.
No such statement made by an Employee which relates to
insurability will be used in contesting the validity of the
insurance with respect to which such statement was made or to
reduce the benefits unless the conditions listed in items (a) and
(b) below have been met.
a . The statement must be contained in a written application
which has been signed by the Employee.
b . A copy of the application has been furnished to the
Employee or to the Employee's beneficiary.
No such statement of the Employee will be used at all after such
insurance has been in force prior to the contest for a period of
two years during the lifetime of the person to whom the statement
applies.
!090326 fixed
Section 6. MISSTATEMENT OF AGE
In the case of the misstatement of the age of an Employee, an
adjustment of the premium will be made, if appropriate.
090330If an amount of insurance is based on the age of the
Employee, such amount will be adjusted to the amount to which
such Employee would have been entitled at the Employee's correct
age. The adjustment of the premium will be based on the adjusted
amount of the Employee's insurance.
!090332 fixed
Section 6. CHANGES IN THE POLICY
No change in this Policy will be valid unless it is approved by
an authorized officer of Metropolitan. Each such change must be
evidenced by an amendment signed by both the Employer and by
Metropolitan or by an endorsement signed by Metropolitan.
No agent may make a change in this Policy or waive any of its
provisions.
!090338 fixed
Section 6. PARTICIPATION
This Policy is a participating contract.
Section 7. DIVIDENDS
Each year Metropolitan will determine the dividend, if any, to
which this Policy may be entitled. Such determination will be
within the sole discretion of Metropolitan's Board of Directors.
090345However, in view of the manner in which Metropolitan has
determined premium rates, Metropolitan does not anticipate that
this Policy will be entitled to any dividend.
090348All such dividends may be paid in cash to the Employer.
Upon the request of the Employer, in writing, a dividend will be
applied to the payment of the premiums. The Employer may apply a
dividend to reduce the Employer's cost of this Policy.
090354In any case, if the Employees' total contributions to the
cost of the insurance are in excess of the net cost of the
insurance, the Employer must distribute or apply the amount of
such excess for the sole benefit of the Employees.
!090356
7. DISCONTINUANCE OF THE POLICY
090364Metropolitan will have the right to discontinue this Policy
if less than 100% of the eligible Employees are insured for
Non-Contributory Insurance.
090370E Metropolitan will also have such right if less than 10
Employees are insured. Such right may be exercised by
Metropolitan only on the last day of the first Policy Period or
on the day before any Premium Due Date which occurs after the
last day of the first Policy Period. Notice, in writing, that
this Policy is to be discontinued must be given to the Employer
by Metropolitan. The notice must be given at least thirty-one
days prior to the date this Policy is to be discontinued.
!090382
8. ADDITIONAL PROVISIONS
090384This Policy is not in lieu of and does not affect any
requirement for coverage by workers' compensation insurance.
090404E MISSTATEMENT OR CLERICAL ERROR
If relevant facts about an Employee were not accurate:
a . a fair adjustment of premium will be made; and
b . the true facts will decide whether and in what amount
insurance is valid under this Policy.
A clerical error will not void insurance which should be in
force. Nor will it continue insurance which should have ended.
When an error is found, Metropolitan will make a fair adjustment
in the premium.
APPLICABLE TO EMPLOYEES COVERED UNDER A PRIOR PLAN WHICH THIS
PLAN REPLACES
It is agreed that as to an Employee insured on the day prior to
the Date of Issue of this Policy under the Employer's prior Group
Insurance Plan for any insurance coverage that for the purpose of
determining effective dates of such insurance under this Policy
the Employee will be deemed to be actively at work on the Date of
Issue of this Policy.
!090415
SCHEDULE OF PREMIUMS
The initial monthly premium rates for the insurance specified
below are as follows:
090437E Long Term Disability Benefits: - Total Insured Payroll.
Plan IIA - $124.13 per Employee per month
Plan IIB - $99.30 per Employee per month
Plan IIC - $45.66 per Employee per month
090440E Total Insured Payroll means the sum of each Employee's
Basic Monthly Earnings up to a maximum of:
Plan IIA $16,667 per Employee
Plan IIB $13,333 per Employee
Plan IIC $10,000 per Employee
!090455
SCHEDULE OF EXHIBITS
090459E Exhibit No. Form Applicable To
1 G.23000 Series with any All
numerical and alphabetical Presidents,
suffix as shown in the Group Vice
Exhibit President,
Senior Chief &
Chairman of
the Board (Key
2 G.23000 Series with any Officers/Execu
numerical and alphabetical tive Class I)
suffix as shown in the
Exhibit All Corporate
Officers
(Executive
3 G.23000 Series with any Classes 2 & 3)
numerical and alphabetical
suffix as shown in the
Exhibit
All Executives
earning more
than $96,000
annually
!090462
NOTICES TO THE HOLDER OF THIS POLICY
VOTING PRIVILEGE. An election of Directors is held in New York,
New York, on the second Tuesday of April in each year. If this
Policy has been in force for at least one year and while it
remains in force, the holder of this Policy will have a right to
vote. For the details as to how to vote, apply to the Secretary
at the Home Office.
NOMINATIONS. The New York Insurance Law requires the Board of
Directors to nominate candidates described as the "Administration
Ticket". Other nominations may be made by groups of
policyholders. All such nominations must be made not less than
five months prior to the election.
METROPOLITAN LIFE INSURANCE COMPANY
HOME OFFICE
One Madison Avenue
New York, New York
10010
090476E Countersigned _______________________________________
Date
By _________________________________________________
Licensed Agent
Employer: Northrop Corporation
Long Term Disability
91360-G
!000001 end of document
DOCPRINT: LAND MET
QMS 1725 Print System!080008 a1pb format!080018 tab
setting!080010E E
YOUR EMPLOYEE
BENEFIT PLAN
NORTHROP CORPORATION
Plan IIA
!080005 hardpage
!000002
Northrop Corporation
1800 Century Park East
Los Angeles, California 90067
TO OUR EMPLOYEES:
All of us appreciate the protection and
security insurance provides.
This certificate describes the benefits
that are available to you. We urge you to
read it carefully.
Benefits are provided through a group
policy issued to Northrop Corporation by
Metropolitan Life Insurance Company.
Northrop Corporation
!003326 fixed
!002150 fixed
Certifies that, under and subject to the
terms and conditions of the Group Policy
issued to the Employer, coverage is
provided for each Employee as defined
herein.
The date when an Employee is eligible for
coverage is set forth in the form with the
title Eligibility for Benefits.
The date when an Employee's Personal
Benefits become effective is set forth in
the form with the title Effective Dates of
Personal Benefits.
!012096 fixed
The amounts of coverage are determined by
the form with the title Schedule of
Benefits.
!000102
METROPOLITAN LIFE INSURANCE COMPANY,
!003328 conditional end of page, advance
up
T. Athanassiades
President and Chief Operating Officer
002180
Employer: Northrop Corporation
Group Policy No.: 91360-G
!002190 fixed
Form G.23000-Cert.-1
!080016
TABLE OF CONTENTS
Section Page
SCHEDULE OF BENEFITS
(Also see SCHEDULE SUPPLEMENT) 1
SCHEDULE SUPPLEMENT 3
DEFINITIONS OF CERTAIN TERMS USED
HEREIN 4
ELIGIBILITY FOR BENEFITS 5
EFFECTIVE DATES OF PERSONAL BENEFITS 6
LONG TERM DISABILITY BENEFITS 6
CLAIM PROCEDURE FOR
LONG TERM DISABILITY BENEFITS 15
WHEN BENEFITS END 16
CONDITIONS UNDER WHICH YOUR ACTIVE
WORK IS DEEMED TO CONTINUE 17
NOTICES 18
EARLY INTERVENTION PROGRAM FOR
LONG TERM DISABILITY BENEFITS 19
ERISA INFORMATION 22
!080005 hardpage
!002254 page numbering 1!002255
SCHEDULE OF BENEFITS
(Also see SCHEDULE SUPPLEMENT)
!080020 tab setting
002262 BENEFITS (EMPLOYEE ONLY)
060000E LONG TERM DISABILITY
Elimination Period
6 months
!060004
Monthly Benefit:
060008The Monthly Benefit is the least of:
1 .The Maximum Monthly Benefit shown
below minus Other Income Benefits; or
2 .60% of Basic Monthly Earnings minus
Other Income Benefits.
Maximum Monthly Benefit $10,000
3 .60% of Basic Monthly Earnings minus
Other Income Benefits.
060018Other Income Benefits are described
in Section C of LONG TERM DISABILITY
BENEFITS.
060019 When you work while Disabled, you
will receive the sum of the following
amounts:
9. Your Monthly Benefit;
10. The amount of your earnings for
working while Disabled;
11. The amount of Child Care Expense
Benefit for which you are eligible.
060023 However, after the first 24 months
of Monthly Benefit payments if you are
performing any gainful work or service
while Disabled, the Monthly Benefit will
be reduced by 50% of any compensation
earned. Any evidence needed to verify your
earnings must be given to us when
requested.
060025E During any period of Disability,
the total of Monthly Benefit plus income
earned while Disabled plus Child Care
Expense Benefit cannot exceed 100% of your
Indexed Basic Monthly Earnings.
060027E REHABILITATION INCENTIVE
While Disabled, when you participate in a
rehabilitation program approved by us,
your Monthly Benefit percentage is
increased by 5%.
060029E CHILD CARE EXPENSE BENEFIT
Up to $250.00 incurred per month for each
eligible child during the first 24 months
of Monthly Benefit payments.
!060026
Maximum Benefit Duration:
!060028E E
The Maximum Benefit Duration shall be the
Benefit Duration limit as shown in the
table below.
Age on Date
Maximum Benefit
Disability Starts
Duration
Under age 60
Until the 1st of
the month after
your 65th birthday
Age 60 but under
age 65 54
months
Age 65 but under
age 70 30
months
Age 70 but under
age 75 18
months
Age 75 or older
12 months
060038Increases and Decreases in Amount of
Monthly Benefit
The amount of your Monthly Benefit may
change as a result of a change in your
earnings or class. The new Monthly Benefit
amount:
1 .will take effect on the date of the
change; and
2 .will apply only to Disabilities
commencing thereafter.
060046There is an exception if you are not
Actively at Work on the above date. In
this case, the new Monthly Benefit amount
will take effect on the date of return to
Active Work.
!080018 tab setting!021185 fixed
Form G.23000-B
!019930
SCHEDULE SUPPLEMENT
B. Statements Made by You Which Relate
to Insurability
Any statement made by you will be
deemed a representation and not a
warranty.
No such statement made by you which
relates to insurability will be used:
1. in contesting the validity of the
benefits with respect to which such
statement was made; or
2. to reduce the benefits;
unless the conditions listed in items
(a) and (b) below have been met.
a . The statement must be contained
in a written application which has been
signed by you.
b . A copy of the application has
been furnished to you.
No such statement made by you will be
used at all after such benefits have
been in force prior to the contest for
a period of two years during the
lifetime of the person to whom the
statement applies.
C. Time Limit on Certain Defenses
After This Plan has been in force 2
years from the date of its issue, no
statement of this Employer shall be
used to void This Plan.
D. Assignment
This certificate may not be assigned by
you. Your benefits may not be assigned
prior to a loss.
!020115
E. Refund to Us for Overpayment of
Benefits
900410 If at any time we determine that
the total amount paid on a claim is
more than the total amount due,
including any overpayment resulting
from retroactive awards received from
sources listed in Other Income
Benefits, we have the right to recover
the excess amount from the person to
whom such payment was made. However,
we, at our option, may recover the
excess amount by reducing or offsetting
against any future benefits payable to
such person.
!020745
F. Additional Provisions
001430 3. The benefits under This Plan do
not at any time provide paid-up
insurance, or loan or cash values.
2. No agent has the authority:
a . to accept or to waive the
required notice or proof of a claim; nor
b . to extend the time within which a
notice or a proof must be given.
!021190 fixed
Form G.23000-B1
!000111
DEFINITIONS OF CERTAIN TERMS USED HEREIN
001400 "Doctor" means a person who is
legally licensed to practice medicine. A
licensed practitioner will be considered a
Doctor if:
3. There is a law which applies to This
Plan and that law requires that any
service performed by such a practitioner
must be considered for benefits on the
same basis as if the service were
performed by a Doctor; and
4. The service performed by the
practitioner is within the scope of his or
her license.
019675E "Employee" means a person
classified as a President, Group Vice
President, Senior Chief & Chairman of the
Board (Key Officers/Executive Class I) who
is employed and paid for services by the
Employer on a Full-time basis. "Full-time"
means an Employee is regularly scheduled
to work at least 20 hours per week for the
Employer.
900396"Employer" means the individual,
firm, or other organization in whose name
the Group Policy is issued. Subsidiaries
and/or affiliates of the Employer are not
covered under This Plan unless they are
specified or approved in writing by us.
019845"Personal Benefits" mean the
benefits which are provided on account of
an Employee under This Plan.
019000"This Plan" means the Group Policy
which is issued by us to provide Personal
Benefits.
!000113
"We", "us" and "our" mean Metropolitan.
!019002
"You" and "your" mean the Employee who is
covered for Personal Benefits.
!019740 fixed
Form G.23000-A
!002510
ELIGIBILITY FOR BENEFITS
!003044
Personal Benefits Eligibility Date
!003607E E
Your Personal Benefits Eligibility Date is
July 1, 1995, or the first day of the
calendar month after the date you complete
30 days of continuous service as an
Employee of the Employer, whichever is
later.
!002945 fixed
Form G.23000-C
!002950
EFFECTIVE DATES OF PERSONAL BENEFITS
003043Your Personal Benefits will become
effective on your Personal Benefits
Eligibility Date provided you are then
actively at work as an Employee. If you
are not then actively at work as an
Employee, your Personal Benefits will
become effective on the date of your
return to active work as an Employee.
!009350 fixed
Form G.23000-D1
!060048
LONG TERM DISABILITY BENEFITS
G. Definitions
"Actively at Work" or "Active Work"
means that you are performing all of
the material duties of your job with
the Employer where these duties are
normally carried out. If you were
Actively at Work on your last scheduled
working day, you will be deemed
Actively at Work:
1. on a scheduled non-working day;
2. provided you are not disabled.
060052E "Basic Monthly Earnings" means
your monthly rate of pay from the
Employer, including lead person
differentials, shift differentials,
cost of living adjustments and for
cafeteria covered employees the value
of meals provided by the participating
company. Basic Monthly Earnings do not
include bonuses, incentive
compensation, overtime, relocation
allowances, payment for extra hazardous
work, per diems, extended work week
allowances, cost of living allowances
for service abroad, or other bonuses,
premiums, differentials or adjustment
not specifically included in the
definition of Basic Monthly Earnings.
060058 "Disability" or "Disabled" means
that, due to an Injury or Sickness, you
require the regular care and attendance
of a Doctor and:
3. you are unable to perform each of the
material duties of your regular job; and
060057E 2. after the first 18 months of
benefit payments, you must also be
unable to perform each of the
material duties of any gainful work
or service for which you are
reasonably qualified taking into
consideration your training,
education, experience and past
earnings; or
060059E 3. you, while unable to perform
all of the material duties of your
regular job on a full-time basis,
are:
a . performing at least one of the
material duties of your regular job or any
other gainful work or service on a
part-time or full-time basis; and
b . earning currently at least 20%
less per month than your Indexed Basic
Monthly Earnings due to that same Injury
or Sickness.
NOTE: Flight personnel cannot prove
Total Disability solely on the basis of
failure to pass the periodic physical
examinations required by the Federal
Aviation Administration (FAA).
060072E "Elimination Period" means the
number of consecutive days of
Disability before Long Term Disability
Benefits become payable under This
Plan. Your Elimination Period:
6. is set forth in the SCHEDULE OF
BENEFITS; and
7. begins on the first day of
Disability.
Limited interruption of the Elimination
Period is allowed for up to 14 days
provided you have been disabled for at
least one month. However, any days of
Active Work during this time will not
count toward satisfying the Elimination
Period. Further, this limited
interruption of the Elimination Period
will not apply if, while you are
Actively at Work, you become eligible
for any other group long term
disability insurance.
!060078 "Indexed Basic Monthly
Earnings" means Basic Monthly Earnings
in effect on the date Disability began,
increased by 7%.
060079 The first increase will take place
on the first of the month immediately
following 12 months of continuous
Disability. Subsequent increases will
be compounded each year and take place
on the anniversary of the first
increase, provided you have been
continuously receiving Disability
Benefits under This Plan.
060080 "Injury" means accidental bodily
injury resulting independently of all
other causes. The Injury must occur and
Disability must begin while you are
covered under This Plan.
060084 "Mental Illness" means a mental,
emotional or nervous condition of any
kind.
060092 "Recurrent Disability" means a
Disability which is related or due to
the same cause or causes as a prior
Disability for which a Monthly Benefit
was paid under This Plan.
060096 "Retirement Plan" means a plan
which provides retirement benefits to
employees and which is not funded
wholly by employee contributions. The
term shall not include a profit sharing
plan, a thrift plan, an individual
retirement account (IRA), a
tax-sheltered annuity (TSA), a stock
ownership plan, a non-qualified plan of
deferred compensation, or a 401(k)
plan.
When used with the term Retirement
Plan, "Disability Benefit" means money
which:
8. is payable under a Retirement Plan,
due to disability as defined in that plan;
and
9. does not reduce the amount of money
which would have been paid as retirement
benefits at the normal retirement age
under the plan if the disability had not
occurred. (If the payment does cause such
a reduction, it will be deemed a
Retirement Benefit as defined below.)
When used with the term Retirement
Plan, "Retirement Benefit" means money
which:
10. is payable under a Retirement Plan
either in a lump sum or in the form of
periodic payments;
11. does not represent contributions made
by you; and
NOTE: Payments which represent
your contributions are deemed to be
received over your expected
remaining life regardless of when
such payments are actually received.
060099 3. is payable upon:
a . voluntarily elected early
retirement; or
b . normal retirement.
060100 "Sickness" means illness, disease
or pregnancy.
H. Benefits
1. Disability Benefit
When we receive proof that you are
Disabled, we will pay a Monthly
Benefit in accordance with the
SCHEDULE OF BENEFITS.
060113 However, the amount of the
Monthly Benefit when added to any
compensation you may earn while
Disabled, cannot exceed your Indexed
Basic Monthly Earnings. When this
happens, your Monthly Benefit will
be reduced by the amount in excess
of your Indexed Basic Monthly
Earnings.
060115 The Monthly Benefit will be
paid to you after completion of the
Elimination Period, shown in the
SCHEDULE OF BENEFITS, provided you
remain Disabled and proof of
continued Disability is submitted,
at your expense, to us upon request.
060119 The Monthly Benefit will stop
on the earliest of:
a . the date that you cease to be
Disabled;
b . the date of your death;
c . completion of the Maximum Benefit
Duration shown in the SCHEDULE OF
BENEFITS.
060130 2. Waiver of Payments Benefit
Payments normally required for you
toward the cost of LONG TERM
DISABILITY BENEFITS are waived
during any period of Disability for
which a Monthly Benefit is payable.
060111 3. Child Care Expense Benefit
While Disabled, when you
participate in rehabilitative
employment approved by us, you will
be reimbursed for Child Care
Expense, as described in the
Schedule of Benefits, for each
eligible child, which is incurred
during the first 24 months of
Monthly Benefit payments.
An eligible child is your
dependent child under age 13 who
lives with you and is:
a . your child or your spouse's
child;
b . your legally adopted child; or
c . a child for whom you are legal
guardian.
Child Care Expense is the amount
charged by a licensed child care
provider who is not a member of your
immediate family or living in your
residence.
I. Reduction of Benefits
The Monthly Benefit, as reduced by
Other Income Benefits shown in the
Table of Other Income Benefits, will be
subject to the following:
1. Minimum Benefit Amount
The amount of the Monthly Benefit
payable to you will not be less than
the Minimum Monthly Benefit shown in
the SCHEDULE OF BENEFITS.
!060135
2. Cost of Living Freeze
!060137
The Monthly Benefit will not be
further reduced due to cost of
living increases:
060139 i. that are payable under Other
Income Benefits; and
b . that occur after the initial
reduction for these Other Income Benefits
has been determined.
060140 3. Lump Sum Payments
If Other Income Benefits are paid
in a lump sum, the sum shall be
spread on a monthly basis over the
period of time stated in the
calculation of such sum. If no
period of time is stated, the sum
will be spread on a monthly basis
over your life expectancy, using
appropriate actuarial tables.
4. Estimating Social Security Benefits
a . We reserve the right to reduce
your Monthly Benefit by estimating Social
Security benefits.
b . However, for the first 3 months
of Monthly Benefit Payments, we will not
reduce the Monthly Benefit by estimated
Social Security benefits. And if, prior to
the end of this 3 month period:
i . we receive proof that you have
applied for Social Security benefits; and
ii . you have signed the Agreement
Concerning Long Term Disability Benefits,
explained below;
then continued Monthly Benefits
during the first 24 months of
Monthly Benefit payments will not be
reduced by an estimate of Social
Security benefits.
c . The Agreement Concerning Long
Term Disability Benefits:
i . confirms that you will repay
all overpayments; and
ii . authorizes us to obtain the
information on awards directly from the
Social Security Administration.
d . If you have not received approval
or final denial of your claim from the
Social Security Administration by the end
of this 24 month period, we will begin
reducing your Monthly Benefit by an
estimate of Social Security benefits. For
purposes of this section, final denial of
your claim means that you have received a
"Notice of Denial of Benefits" from an
Administrative Law Judge.
e . In any case, when you do receive
approval or final denial of your claim
from the Social Security Administration:
i . your Monthly Benefit will be
adjusted; and
ii . you must promptly refund to us
an amount equal to all overpayments. If
you do not promptly make such refund to
us, we may, at our option, reduce or
offset against any future benefits payable
to you.
!060142 conditional end of page
5. Table of Other Income Benefits
060145 "Other Income Benefits" are
those benefits below which apply to
you and to your spouse, child or
children as indicated.
060144 The Other Income Benefits are:
060172 a. The amount you receive or
for which you are eligible under:
(a) any Workers' or Workmen's
Compensation law; (b)
occupational disease law; and (c)
any other act or law of like
intent.
b . The amount of disability income
benefits you receive or for which you are
eligible under any Compulsory Benefit act
or law.
060146 c. The amount of any disability
income benefit for which you are
eligible under: (a) any other
group insurance plan of the
Employer; and (b) any
governmental retirement system as
a result of your job with the
Employer.
060150 d. The amount of benefits you
receive under the Employer's
Retirement Plan as follows: (a)
any disability benefit; (b) any
retirement benefits.
e . The amount of disability or
retirement benefits under the United
States Social Security Act or any other
governmental disability or retirement
program as follows: (a) disability or
unreduced retirement benefits for which
you, your spouse, child or children are
eligible; or (b) reduced retirement
benefits received by you, your spouse,
child or children.
060123E The above amounts, except
for retirement benefits, are
benefits resulting from the same
disability for which a Monthly
Benefit is payable under This Plan.
J. Recurrent Disability
1. If, after a period of Disability for
which a Monthly Benefit has been paid
under This Plan, you:
a . resume your regular job on a
full-time basis; and
b . perform all the material duties
for less than four consecutive weeks;
any Recurrent Disability will be a
part of the same period of
Disability. Our liability for the
entire period will be subject to the
terms of This Plan for the prior
Disability.
2. If, after a period of Disability for
which a Monthly Benefit has been paid
under This Plan, you:
a . resume your regular job on a
full-time basis; and
b . perform all the material duties
for four consecutive weeks or more;
any Recurrent Disability will be
treated as a new period of
Disability. You must complete a new
Elimination Period before Monthly
Benefits are payable.
060155 3. If you become eligible for
coverage under any other group long
term disability policy, this
Recurrent Disability provision will
not apply.
K. Exclusions/Limitations
General Exclusions
This Plan does not cover any Disability
which results from or is caused or
contributed to by:
1. war, insurrection, or rebellion;
060153 2. active participation in a riot;
!060157 conditional end of page
3. intentionally self-inflicted injuries
or attempted suicide;
4. the commission of a felony.
060158E Mental Illness Limitation
While you are Disabled due to a Mental
Illness and confined in a hospital or
institution, the Monthly Benefit will
be payable up to the Maximum Benefit
Duration shown in the SCHEDULE OF
BENEFITS.
While you are Disabled due to a Mental
Illness and not confined in a hospital
or institution, the Monthly Benefit
will be payable up to the lesser of:
5. 24 months; or
6. the Maximum Benefit Duration shown in
the SCHEDULE OF BENEFITS.
In no event will the Monthly Benefit be
payable for longer than the Maximum
Benefit Duration during a period of
continuous Disability due to a Mental
Illness if you are not confined in a
hospital or institution.
If you are confined in a hospital or
institution at the end of the 24 month
period for which payments have been
made, your benefit payment will not
stop. Your Benefits will continue to
be payable until the earliest of:
a.The date that confinement ends, if
it has continued for less than 14
days;
b.Up to 90 days after confinement
ends, if it has continued for 14 or
more days. You might be confined
again during these 90 days. If you
are confined for less than 14 days,
benefits will be payable through the
end of that confinement. If you are
confined for 14 or more days,
benefits will continue to be payable
through that confinement and for the
90 days after it.
c.The Maximum Benefit Duration shown
in the SCHEDULE OF BENEFITS.
No benefits are payable for any time
that you are not Disabled.
L. Continuity of Coverage Upon Transfer
of Insurance Carriers
In order to prevent loss of your
coverage because of a transfer of
insurance carriers, This Plan will
provide coverage for you as follows:
Failure To Be Actively At Work Due
To Injury Or Sickness
This Plan will cover you, if you:
a . were covered under the prior
carrier's plan at the time of transfer;
and
b . are not Actively at Work due to
Injury or Sickness;
provided the required payment
toward the cost of LONG TERM
DISABILITY BENEFITS is made to us
for you.
The benefit payable will be that
which would have been paid by the
prior carrier had coverage remained
in force, less any benefit for which
the prior carrier is liable.
!060169 fixed
Form G.23000-6B
!008696
CLAIM PROCEDURE FOR
LONG TERM DISABILITY BENEFITS
!002706 fixed
A.When Notice of Claim Must be Given
002707 Written notice of a claim must be
given to us during the Elimination
Period.
!008700 fixed
A.Claim Forms
When we receive written notice of a
claim, we may furnish printed forms for
filing proof of the claim. If we do not
furnish printed forms within 15 days
after you give us notice, you must
furnish your own form of proof in
writing.
Proof must describe the event, the
nature and the extent of the cause for
which a claim is made; it must be
satisfactory to us.
!008701 fixed
A.When Proof of Claim Must Be Given
!001582 fixed
Written proof of a claim must be given to
us not later than 90 days following the
end of the Elimination Period.
!003630 fixed
A.Late Notice or Proof
If notice or proof is not given on
time, the delay will not cause a claim
to be denied or reduced as long as the
notice or proof is given as soon as
possible.
!008710 fixed
A.Time Limits on Starting Lawsuits
No lawsuit may be started to obtain
benefits until 60 days after proof is
given.
900358 No lawsuit may be started more
than 3 years after the time proof must
be given.
!017865
M. Medical Examinations
While a claim is pending, we, at our
expense, have the right to have you
examined by Doctors of our choice when
and as often as we reasonably choose.
!002735
N. Time Limit for Payment of a Claim
002763 If the written proof of a claim:
a . has been made on time; and
b . is satisfactory to us;
we will pay the accrued benefits
monthly at the end of the period for
which they are due.
!021201 fixed
Form G.23000-H3
!017830
WHEN BENEFITS END
O. All of your benefits will end on the
last day of the calendar month in which
your employment ends. Your employment ends
when you cease active work as an Employee.
However, for the purpose of benefits, the
Employer may deem your employment to
continue for certain absences. See
CONDITIONS UNDER WHICH YOUR ACTIVE WORK IS
DEEMED TO CONTINUE.
P. If This Plan ends in whole or in
part, your benefits which are affected
will end.
Q. Your Long Term Disability Benefits
will end as set forth in the LONG TERM
DISABILITY BENEFITS provisions.
!020950
The end of any type of benefits on your
account will not affect a claim which is
incurred before those benefits ended,
except as noted in both the definition of
Elimination Period and the Recurrent
Disability provision found in LONG TERM
DISABILITY BENEFITS.
!007320 fixed
Form G.23000-F
!017900
CONDITIONS UNDER WHICH YOUR ACTIVE
WORK IS DEEMED TO CONTINUE
018715If you are not actively at work as
an Employee because of a situation set
forth below, the Employer may deem you to
be in active work as an Employee only for
the purpose of continuing your employment
and only for the periods specified below
in order that certain of your benefits
under This Plan may be continued.
!017910 fixed
All such benefits will be subject to prior
cessation as set forth in WHEN BENEFITS
END.
In any case, the benefits will end on:
1.the date the Employer notifies us that
your benefits are not to be continued;
or
2.the end of the last period for which
the Employer has paid premiums to us
for your benefits.
002871Your Sickness or Injury
The period determined in accordance with
the Employer's general practice for an
Employee in your job class.
!017970 E
Your Leave of Absence
!003113E E
The Employer may continue your coverage
for an approved leave of absence by paying
the required premium payments, until the
earliest of these events takes place:
a.the date the Employer stops paying the
required premium;
b.the date the leave ends;
c.the date the leave has continued one
month beyond the end of the month in
which the leave began.
If the leave of absence is an approved
FMLA leave, coverage will continue until
the date the leave has continued 4 months
beyond the end of the month in which the
leave began.
Layoff
If you are temporarily laid off, coverage
will terminate on the date your employment
terminates. If you return to work within
6 months you will be reinstated as of the
date you return to work.
!021075 fixed
Form G.23000-L
!020915
NOTICES
This certificate is of value to you. It
should be kept in a safe place.
!020925 fixed
As soon as your benefits end, you should
consult your Employer to find out what
rights, if any, you may have to continue
your protection.
900414The insurance evidenced by this
certificate is not in lieu of and does not
affect any requirement for coverage by
workers' compensation insurance.
020927If you had coverage under a prior
plan of benefits, please consult your
Employer to determine if there are any
additional provisions which affect your
benefits under This Plan.
!020930
Our Home Office is located at One Madison
Avenue, New York, New York 10010.
!021065 fixed
Form G.23000-E
!060170
EARLY INTERVENTION PROGRAM FOR
LONG TERM DISABILITY BENEFITS
060173The Early Intervention Program is a
disability management program that
involves the early identification of a
potential Long Term Disability Candidate
who may benefit from rehabilitative
disability management. Its purpose is to
enable a Long Term Disability Management
Coordinator to work with the disabled
person to complete vocational analyses and
to develop disability management schedules
during the optimal time for initiating
rehabilitation attempts.
R. Definitions
"Candidate" means an Employee who is
determined by us to be a potential
claimant for Long Term Disability
Benefits and eligible for participation
in the Early Intervention Program.
"Long Term Disability Management
Coordinator" (herein called
Coordinator) means an individual who is
employed by us to coordinate the Early
Intervention Program.
"Disability Management Benefits
Schedule" (herein called Schedule)
means the specific schedule of benefits
for rehabilitation services developed
by the Coordinator for each Candidate.
"Early Intervention Program" (herein
called Program) means the program
established by us wherein we identify
Employees, during their elimination
period, who may benefit from a program
of disability management with a
rehabilitation goal.
S. How the Program Works
Early Warning Table
Amputations Back Problems
Burns (severe) Carpal Tunnel
Head Injuries Syndrome
Spinal Cord Chronic Fatigue
Injuries Syndrome
Neurological Cardiovascular
Conditions Conditions
Severe Muscle and Joint
Traumatic Injuries or
Injuries Diseases
Vision or Obesity or Eating
Hearing Loss Disorders
Alcoholism or Osteomyelitis
Substance Psychiatric
Abuse Conditions
1.Notice
A Coordinator must be notified in
order for an Employee who has a
disabling condition listed in the
Early Warning Table to be considered
as a potential Candidate for the
Early Intervention Program.
060176 If the Employee is determined
by the Coordinator to be a potential
Candidate, the Employer must
complete the Employer portion of the
Notice Of Claim form and then obtain
the Employee's signed authorization
before submitting the Notice Of
Claim form to us.
060177 2. Evaluation
After receipt by us of the Notice
Of Claim form, the Coordinator will:
a . contact the Employee about the
Early Intervention Program;
b . obtain sufficient information to
monitor the benefits for the Employee's
current diagnosis and projected medical
treatment, and also obtain vocational
information; and
c . determine whether the Employee is
a Candidate for the Early Intervention
Program.
2. Development
The Coordinator will develop for
each Candidate a proposed Disability
Management Benefits Schedule that
meets the guidelines of our Early
Intervention Program.
3. Offer
The proposed Disability Management
Benefits Schedule will then be
offered to the Candidate and the
attending Doctor. The attending
Doctor can recommend the Disability
Management Benefits Schedule, and
the Candidate can consent to
obtaining the services contained in
the Schedule. Under this Program,
all treatment decisions are the
responsibility of the Candidate and
attending Doctor. MetLife does not
engage in the practice of medicine
and is not responsible for the
quality of services provided and for
which benefits are listed in the
Disability Management Benefits
Schedule.
If the proposed Disability
Management Benefits Schedule is
recommended by the attending Doctor,
and the services contained in the
Schedule are consented to by the
Candidate, we will pay for specific
expenses for rehabilitation
services, vocational services, and
other approved medical services
listed in the Schedule and for which
benefits are not payable under any
other plan that covers the Candidate
(including, but not limited to the
Candidate's medical plan, automobile
liability coverage, no-fault auto
insurance, Workers' Compensation, or
other state or federally sponsored
programs).
4. Reevaluation
While a Disability Management
Benefits Schedule is in progress,
the Coordinator will continue to
monitor such Schedule. If it is
deemed appropriate, the Coordinator,
with the recommendation of the
attending Doctor and consent of the
Candidate for different services,
will modify such Schedule.
We retain the right to terminate the
Candidate's participation in the Early
Intervention Program upon notice to the
Candidate and the attending Doctor.
You are not required to participate in the
Early Intervention Program in order to be
eligible for Long Term Disability
Benefits.
!021245
ERISA INFORMATION
021250E NAME OF THE PLAN
Northrop Corporation
021255E Leading AdjustmentNAME AND ADDRESS
OF EMPLOYER WHO IS THE PLAN SPONSOR
Northrop Corporation
1800 Century Park East
Los Angeles, California 90067
(213) 553-6262
021330E EMPLOYER
IDENTIFICATION NUMBER AND
PLAN NUMBER
95-1055798 503
PLAN TYPE
The Plan described in this Summary Plan
Description is a "Welfare Benefit Plan"
for purposes of ERISA.
PLAN ADMINISTRATOR
Northrop Corporation
1840 Century Park East
Los Angeles, California 90067
The Plan Administrator has the authority
to control and manage the operation and
the administration of the Plan.
021340TYPE OF ADMINISTRATION
The Plan is insured by Metropolitan Life
Insurance Company.
900426AGENT FOR SERVICE OF LEGAL PROCESS
For disputes arising under the Plan,
service of legal process may be made upon
the Plan administrator at the above
address. For disputes arising under those
portions of the Plan insured by
Metropolitan Life Insurance Company,
service of legal process may be made upon
Metropolitan Life Insurance Company at one
of its local offices, or upon the
supervisory official of the Insurance
Department in the state in which you
reside.
!900433
CONTRIBUTIONS
900439No contribution is required for Long
Term Disability Benefits.
!900452
PLAN YEAR
900454The Plan's fiscal records are kept
on a policy year basis beginning each July
1st and ending on the following June 30th.
021351
CLAIMS INFORMATION
Procedures for Presenting Claims for
Benefits
All claim forms needed to file for
benefits under the group insurance program
can be obtained from your employer who
will also be ready to answer questions and
to assist you or, if applicable, your
beneficiary in filing claims. The
instructions on the claim form should be
followed carefully. This will expedite the
processing of the claim. Be sure all
questions are answered fully.
021240The completed claim form should be
returned to your employer who will certify
that you are insured under the Plan and
will then forward the claim form to
Metropolitan.
009385When the claim has been processed,
you or, if applicable, your beneficiary
will be notified of the benefits paid. If
any benefits have been denied, you or, if
applicable, your beneficiary will receive
a written explanation.
Routine Questions
If there is any question about a claim
payment, an explanation may be requested
from the employer who is usually able to
provide the necessary information.
009400
Requesting a Review of Claims
Denied In Whole or In Part
In the event a claim has been denied in
whole or in part, you or, if applicable,
your beneficiary can request a review of
your claim by Metropolitan. This request
for review should be sent to Group
Insurance Claims Review at the address of
Metropolitan's office which processed the
claim within 60 days after you or, if
applicable, your beneficiary received
notice of denial of the claim. When
requesting a review, please state the
reason you or, if applicable, your
beneficiary believe the claim was
improperly denied and submit any data,
questions or comments you or, if
applicable, your beneficiary deems
appropriate.
Metropolitan will re-evaluate all the
information and you or, if applicable,
your beneficiary will be informed of the
decision in a timely manner.
Discretionary Authority of Plan
Administrator
and Other Plan Fiduciaries
In carrying out their respective
responsibilities under the Plan, the Plan
administrator and other Plan fiduciaries
shall have discretionary authority to
interpret the terms of the Plan and to
determine eligibility for and entitlement
to Plan benefits in accordance with the
terms of the Plan. Any interpretation or
determination made pursuant to such
discretionary authority shall be given
full force and effect, unless it can be
shown that the interpretation or
determination was arbitrary and
capricious.
!021125
STATEMENT OF ERISA RIGHTS
021129The following statement is required
by federal law and regulation.
As a participant in This Plan, you are
entitled to certain rights and protections
under the Employee Retirement Income
Security Act of 1974 (ERISA). ERISA
provides that all participants shall be
entitled to:
Examine, without charge, at the Plan
administrator's office and at other
specified locations, all Plan documents,
including insurance contracts and copies
of all documents filed by the Plan with
the U.S. Department of Labor, such as
detailed annual reports and Plan
descriptions.
Obtain all copies of all Plan documents
and other Plan information upon written
request to the Plan administrator. The
administrator may make a reasonable charge
for the copies.
In addition, ERISA provides that if there
are 100 or more participants in the Plan,
all such participants shall be entitled to
receive a summary of the Plan's financial
report. In such event, the Plan
administrator is required by law to
furnish each participant with a copy of
this summary annual report.
In addition to creating rights for Plan
participants, ERISA imposes duties upon
the people who are responsible for the
operation of the employee benefit plan.
The people who operate your Plan, called
"fiduciaries" of the Plan, have a duty to
do so prudently and in the interest of you
and other Plan participants and
beneficiaries.
No one, including your employer or any
other person, may fire you or otherwise
discriminate against you in any way to
prevent you from obtaining a welfare
benefit or exercising your rights under
ERISA. If your claim for a welfare benefit
is denied in whole or in part, you must
receive a written explanation of the
reason for denial. You have the right to
have the Plan review and reconsider your
claim.
021130Under ERISA, there are steps you can
take to enforce the above rights. For
instance, if you request materials from
the Plan and do not receive them within 30
days, you may file suit in a federal
court. In such a case, the court may
require the Plan administrator to provide
the materials and pay you up to $100 a day
until you receive the materials, unless
the materials were not sent because of
reasons beyond the control of the
administrator. If you have a claim for
benefits which is denied or ignored, in
whole or in part, you may file suit in a
state or federal court.
If it should happen that Plan fiduciaries
misuse the Plan's money, or if you are
discriminated against for asserting your
rights, you may seek assistance from the
U.S. Department of Labor, or you may file
suit in a federal court.
The court will decide who should pay court
costs and legal fees. If you are
successful, the court may order the person
you have sued to pay these costs and fees.
If you lose, the court may order you to
pay these costs and fees; for example, if
it finds your claim is frivolous. If you
have any questions about your Plan, you
should contact the Plan administrator. If
you have any questions about this
statement or about your rights under
ERISA, you should contact the nearest Area
Office of the U.S. Labor-Management
Services Administration, Department of
Labor.
FUTURE OF THE PLAN
It is hoped that This Plan will be
continued indefinitely, but Northrop
Corporation reserves the right to change
or terminate This Plan in the future. Any
such action would be taken only after
careful consideration.
900421 The Board of Directors of Northrop
Corporation shall be empowered to amend or
terminate This Plan or any benefit under
This Plan at any time.
!000001 end of document
Dates Referenced Herein
| This ‘10-K’ Filing | | Date | | Other Filings |
|---|
| |  |
| Filed on: | | 2/22/96 | | None on these Dates |
| For Period End: | | 12/31/95 |
| | 7/1/95 |
| List all Filings |
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