• Multiply the weekly Workers’ Compensation benefit times 52 
   
• Divide the total from above by 12 to arrive at the average monthly Workers’ Compensation benefit 
   
• Subtract the average monthly Workers’ Compensation benefit from the monthly short-term disability benefit 
   
• If the total is less than one dollar, the short-term disability benefit is totally offset, and no reimbursement or service credits are due 
   
• If the total is equal to or greater than one dollar, a reimbursement may be due for any month during the second six months that the reduced benefit is paid; the daily rate is determined by dividing the monthly benefit amount after the reduction from the third bullet above by 30

If Workers’ Compensation benefit ends during a month in the second six months of short-term disability:

• Follow the procedure above to arrive at any possible monthly benefit due after the Workers’ Compensation reduction
   
• Count the number of days in the month that Workers’ Compensation benefits were payable (as long as those days were in the second 6 months)
   
• Multiply the number of days times the benefit daily rate after the Workers’ Compensation benefit reduction|
   
• The total is the amount to be reimbursed while the Workers’ Compensation benefit was payable
   
• Count the number of days in the month the Workers’ Compensation benefit was not payable (as long as those days were in the second six months)
   
• Multiply the number of days times the benefit daily rate without the Workers’ Compensation benefit offset
   
• This total is the amount to be reimbursed after the Workers’ Compensation benefit ended
   
• Add the totals from above to arrive at the total amount reimbursable for the month