Life & Disability
As a full-time benefits-eligible employee, you automatically receive Basic Life and Accidental Death and Dismemberment (AD&D) insurance at no cost to you. This plan provides peace of mind by helping protect your loved ones financially. It’s important to designate your beneficiaries to ensure benefits are paid according to your wishes.
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Basic Life & AD&D
Basic Life Benefit
Basic AD&D Benefit
Remember:
Benefits reduce after age 65.
You may cap your coverage at $50,000 to avoid imputed income tax if your Basic Life benefit exceeds that amount.
Keep your beneficiaries updated to ensure your benefits go to the loved ones you intend. Beneficiaries can be managed in Workday.
| Benefit Features | Employee | Spouse | Child(ren) |
|---|---|---|---|
| Coverage Options | $10,000 – $500,000 in $10,000 increments | $5,000 – $250,000 in $5,000 increments | $2,000 – $10,000 in $2,000 increments |
| Maximum | Lesser of $500,000 or 5x annual earnings | Lesser of $250,000 or 100% of your combined Basic + Supplemental | $10,000 |
| Guaranteed Issue | $200,000 (if enrolling when first eligible) | $25,000 (if enrolling when first eligible) | $10,000 |
Note:
Evidence of Insurability (EOI) may be required. EOI will never be required for Child Life.
Coverage exceeding $50,000 is considered imputed income, meaning it will be subject to Social Security and Medicare taxes.
If you purchase a minimum of $10,000 when first eligible, you may increase your coverage in $10,000 increments up to $200,000 during Open Enrollment.
Evidence of Insurability (EOI) is required if you decline coverage when first eligible or if you elect coverage above the Guaranteed Issue amount.
Life insurance coverage may be converted when you terminate or when you are no longer a full-time benefit-eligible employee. After your coverage ends, you may apply for portable coverage or conversion of coverage and pay the first premium within 31 days of event date. Contact the AMS team to request a portability packet: 866-220-8466 or email AMSTeam@unum.com.
Helpful Tip
Review and update your beneficiaries regularly in Workday. Beneficiary designations override wills and allow your loved ones to avoid going through the costly and time-consuming probate process.
Disability
Voluntary Short-Term Disability (STD) & Long-Term Disability (LTD)
Voluntary STD and LTD coverage help protect your paycheck if you’re unable to work due to illness, injury, or another covered condition. STD provides income protection for shorter periods, while LTD offers longer-term support. Together, they give you peace of mind knowing your earnings are safeguarded when you need it most.
Voluntary STD
STD coverage replaces part of your income if you can’t work due to a covered illness, injury, or childbirth. This plan is ideal for shorter recovery periods when you need immediate financial support. Benefits are paid weekly and may be reduced by other income you may qualify for (e.g., state disability programs).
| Voluntary STD | |
|---|---|
| Percent of Earnings | 60% |
| Weekly Maximum | $3,500 |
| Elimination Period | 14 days |
| Maximum Duration | 24 weeks |
Voluntary LTD
LTD coverage replaces a portion of your income if your disability keeps you out of work for an extended period. You may select from a range of benefit options based on your income replacement needs. Benefits may be reduced by other income you may qualify for (e.g., Social Security, workers’ comp).
| Voluntary LTD | |
|---|---|
| Percent of Earnings | 60% |
| Monthly Maximum | Up to $10,000 |
| Elimination Period | 180 days |
Maximum Benefit Duration
Maximum period of payment for total disability and partial disability combined:
| Age at Disability | Maximum Period of Payment |
|---|---|
| Less than 60 | To age 65, but not less than 60 months |
| 60 | 60 months |
| 61 | 48 months |
| 62 | 42 months |
| 63 | 36 months |
| 64 | 30 months |
| 65 | 24 months |
| 66 | 21 months |
| 67 | 18 months |
| 68 | 15 months |
| 69 and over | 12 months |
How They Work Together
STD covers the early weeks and months of a disability, ensuring you don’t face an immediate gap in income. If your disability continues, LTD picks up after 180 days, providing longer-term financial protection. Together, they create a seamless safety net to protect your paycheck from the start of your disability through an extended leave. LTD benefits are paid monthly.
| Plan Features | STD | LTD |
|---|---|---|
| Who pays for the coverage? | Employee | Employee |
| When do benefits start? | Coverage effective after initial eligibility/hire requirements are met | Coverage effective after initial eligibility/hire requirements are met |
| What is the payout timing? | Begins after 14-day elimination period and payout is eligible for up to 24 weeks | Begins after 180 days of disability and payout is eligible up to age 65. |
| How often are benefits paid? | Weekly | Monthly |
| What is the benefit amount? | Up to 60% of gross pay (80% for eligible California employees earning at least $63,000 annually) | 60% of pre-disability income (up to $10,000/month), reduced by other disability income |
| Who is eligible? | Employees working 32+ hours/week; must enroll when first eligible or provide Evidence of Insurability (EOI) | Employees working 32+ hours/week; must enroll when first eligible or provide EOI |
| How much are the premiums? | Based on age at enrollment; deducted from paycheck | Based on age and elimination period; deducted from paycheck |
| Is the coverage yours to keep? | No portability; tied to employment | No portability; tied to employment |
| What is this plan best for? | Protecting income during short illnesses, injuries, or childbirth | Protecting income for extended disabilities, longer than 6 months |
Beneficiaries
All full-time employees should ensure they have up to date beneficiary information on Workday:
Log onto Workday
Click the “Benefits” icon
Under “Change,” click “Change Benefits,” then choose “Change Beneficiaries” to add or adjust designations
