Life & Disability

Life & Disability

Basic Life and Accidental Death & Dismemberment (AD&D)

Providing economic security for your family if you pass away, become disabled, or experience an injury or illness is a major consideration in personal financial planning. As an employee, you automatically receive Basic Life and AD&D coverage in the amount of [1 time your base salary up to a maximum of $300,000]. This coverage is provided at no cost to you.

Don’t forget to update your beneficiary designation if you experience a life change.

Supplemental Life and Accidental Death & Dismemberment (AD&D)

Voluntary Life and AD&D offers additional coverage for yourself, and/or for your spouse and children. New hire employees receive guaranteed issue coverage up to [$100,000]. Spouses receive guaranteed issue coverage up to [$30,000]. For any amount over these limits, an Evidence of Insurability form must be completed.

Short-Term Disability (STD)

The Short-Term Disability (STD) plan provides [60%] of your weekly salary, to a maximum of [$1,500] per week for up to [13 weeks] of a disability. Benefits begin on the [first] day you miss work because of an accident, and on the [eighth] day you miss work because of an illness. [You are automatically covered under the STD plan at no cost to you.].

Long-Term Disability (LTD)

Long-Term Disability (LTD) coverage is important because anyone at any age may become injured or ill for an extended period of time. LTD protects you from loss of income in the event you are unable to work due to an illness, injury, or accident for a period of time that exceeds the short-term disability benefit. [You are automatically covered under the LTD plan at no cost to you.]

LTD coverage will replace [60%] of your base salary to a monthly maximum of [$10,000] if you are disabled for more than 90 days and are unable to work. LTD benefits are offset by other sources of income, such as Social Security and workers’ compensation.

See the Benefits Guide or benefits summary for detailed information.

STD Coverage Video

LTD Coverage Video

Find out how you can get the Advantage

EmployerAdvantage
Chris Lonergan
(541) 323-1211
clonergan@benefitelect.com

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