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You have the option to purchase supplemental AD&D insurance for you, your
spouse or domestic partner and your children. Benefits are paid in the event of
death or a serious injury (such as loss of a limb or eyesight) due to an accident.
Evidence of insurability is not required for this coverage. You pay the full cost of
supplemental AD&D coverage through after-tax payroll deductions.
Benefits are 60% of your monthly predisability earnings, to a maximum of
$10,000 per month. This amount will be reduced by disability earnings and/or
benefit reductions, such as Social Security disability benefits.
Active employees who have completed their benefits eligibility period and
are working at least 32 hours per week may enroll in this valuable coverage.
You may apply for enrollment or drop coverage at any time.
Coverage for department heads, nurses and therapists begins on the first of the
month after your hire date, provided you enroll within 30 days of your effective
date. Coverage for all others begins on the first of the month following 60 days
of employment, provided you enroll within 30 days of your effective date.
Note that pre-existing conditions and other limitations and exclusions apply; see
the benefit summary for details.
Plan Advantages:
• You can choose to have benefits begin after either 180 or 360 days of
disability, or the end of your short term disability benefits, if applicable.
This is called the “elimination period.”
• Affordable coverage. Your premiums are based on the elimination period
you select and on your age, and are conveniently deducted from your
paycheck.
• Coverage includes world wide emergency travel assistance.
Long term disability insurance can
help provide financial security if you
are unable to work for an extended
period of time due to a covered
injury or sickness.
Coverage For
Coverage Amount
Maximum
Employee
$10,000 to $500,000 in $10,000 increments
Lesser of $500,000 or 5X annual earnings
Spouse or Domestic Partner*
$5,000 to $250,000 in $5,000 increments
Lesser of $250,000 or 100% of your combined
Basic and Supplemental coverage
Child(ren)*
$2,000 to $10,000 in $2,000 increments
$10,000
Life and Accident Insurance
continued
Supplemental Accidental Death & Dismemberment (AD&D) Insurance
Long Term Disability
* Note: Your spouse, domestic partner or child(ren) may not be disabled at the time of enrollment.