Life, AD&D & 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. Eligible employees receive Basic Life and Accidental Death and Dismemberment (AD&D) coverage at 1x your annual salary up to $50,000.
Short-Term Disability (STD)
Short-Term Disability (STD) coverage provides you with a portion of income replacement if you are unable to work due to a non-occupational illness or injury. STD coverage pays 70% of your weekly salary up to $800 per week. Benefits are payable on day 1 of an injury or day 8 of sickness for up to 26 weeks.
Long-Term Disability (LTD)
Long-Term Disability pays you a portion of your earnings if you cannot work for an extended period of time due to a disabling illness or injury. LTD coverage pays 60% of your monthly salary up to $3,000 per month. Benefits are payable after 180 days. You will continue to receive benefits if you meet the definition of disability or reach your Social Security Normal Retirement Age. Benefits are reduced by other sources of disability income you may qualify for such as Social Security and Workers’ Compensation.
Disability Resource Services
When you need a helping hand, Disability Resource Services offer value-added programs and services for free. This confidential service is available to you and your family members to help with many life challenges including grief, stress, depression, marital or family challenges, and more.
The EAP gives you access to:
- Unlimited 24/7 phone counseling consultations
- 3 in-person counseling sessions
- Child and elder care resources
- Financial and legal resources
- And more
For assistance, go to www.guidanceresources.com (Company ID: DISRES) or call 866-899-1363.
