Life & Disability
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Life And 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. Life, Accidental Death and Dismemberment (AD&D), and Disability insurance provide financial security to you and your family if you become seriously injured or pass away.
Basic Life & Accidental Death & Dismemberment (AD&D)
As an eligible Team Member, you receive Basic Life and AD&D coverage equal to 1x your annual earnings to a maximum of $50,000. This coverage is provided at no cost to you.
You may choose anyone to be the beneficiary of your Life and AD&D policy in the event of your death or serious injury. Review your beneficiary designation periodically to ensure it reflects your current wishes. You may change your beneficiary anytime through team member portal.
Supplemental Life & Accidental Death & Dismemberment (AD&D)
Supplemental Life and AD&D offer additional coverage at discounted rates. The chart describes the amounts of coverage you can buy for yourself, your spouse, and your child(ren).
*EOI may be required.
IMPORTANT NOTICE: If you choose not to enroll in Short-Term Disability (STD), Long-Term Disability (LTD), or Supplemental Life Insurance, you may be required to provide Evidence of Insurability (EOI) if you decide to enroll in these benefits during future enrollments. Eligibility will be determined by the insurance carrier.
Voluntary Disability Coverage
Let’s face it, we all may need to take some time off work due to a pregnancy, injury, or illness. Disability insurance provides partial income replacement to assist you financially. It’s important to have the insurance in place and pay the premiums before an injury, illness, or pregnancy happen.
Short-Term Disability (STD)
STD coverage provides you with a portion of income replacement if you are unable to work due to a non-work-related illness or injury. STD benefits may be offset by benefits you receive from the state-mandated disability plans in California, New Jersey, New York, Rhode Island, or the Commonwealth of Puerto Rico.
Long-Term Disability (LTD)
LTD pays you a portion of your earnings if you cannot work for an extended period due to a disabling illness or injury.
You will continue to receive benefits if you meet the definition of disability or reach Social Security Normal Retirement Age (SSNRA). Benefits are reduced by other sources of disability income you may qualify for such as Social Security and Workers’ Compensation. Cost-sharing for LTD may vary depending on your job level.
IMPORTANT NOTICE: If you choose not to enroll in Short-Term Disability (STD), Long-Term Disability (LTD), or Supplemental Life Insurance, you may be required to provide Evidence of Insurability (EOI) if you decide to enroll in these benefits during future enrollments. Eligibility will be determined by the insurance carrier.
Learn the Lingo
Evidence of Insurability (EOI): The process of providing health information to qualify for certain types of insurance coverage.
STD (Short-Term Disability): Replaces income for a brief period (weeks to months) due to a temporary illness or injury, typically starting shortly after the disability begins.
LTD (Long-Term Disability): Replaces income for an extended period, often years or until retirement, and usually starts after STD benefits end, covering more serious or long-lasting conditions.
Elimination Period: The elimination period is the time after becoming disabled and before your benefits begin. Think of it as a "time deductible”.
Your Rights
This website highlights some of your benefit plans. Your actual rights and benefits are governed by the official plan documents. If any discrepancy exists between this communication and the official plan documents, the plan documents will prevail. The company reserves the right to change any benefit plan without notice. Benefits are not a guarantee of employment.
Team Member Care
