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2016 Benefits Guide
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LongTerm Disability Insurance
Long Term Disability is provided for you by Duckett Creek Sanitary District through Principal Financial at
no cost
.
It protects your income to age 65 if you become totally disabled. Following are some key components of the plan:
90 Day Waiting Period Before Benefits Begin
50% Salary Reimbursement to $6,000 per Month Maximum
Age Band
Employee
Rate/$10,000 of
Coverage
(Non-Smoker)
Employee
Rate/$10,000 of
Coverage
(Smoker)
<24
$1.63
$2.27
25-29
$1.63
$2.27
30-34
$1.66
$2.31
35-39
$2.08
$3.14
40-44
$2.74
$4.57
45-49
$4.17
$7.04
50-54
$6.21
$14.65
55-59
$9.93
$16.28
60-64
$15.65
$24.18
65-69
$27.22
$40.20
Age Band
Spouse
Rate/$5,000 of
Coverage
(Non-Smoker)
Spouse
Rate/$5,000 of
Coverage
(Smoker)
<24
$.78
$.78
25-29
$.78
$.78
30-34
$.82
$.82
35-39
$1.05
$1.05
40-44
$1.42
$1.42
45-49
$2.13
$2.13
50-54
$8.21
$8.21
55-59
$4.77
$4.77
60-64
$8.07
$8.07
65-69
$13.65
$13.65
Principal Voluntary Life/AD&D (cont’d)
Critical Illness
This coverage offers protection for you and your family in the event of a heart attack, stoke, major organ
transplant, permanent paralysis, end-stage renal failure and coronary artery bypass surgery. The rates for this
coverage will vary by age. Additional information is available through Human Resources.
ShortTerm Disability Insurance
Short Term Disability is provided for you by Duckett Creek Sanitary District through Principal Financial at
no cost
.
It protects your income up to 11 weeks if you become sick or temporarily disabled. Following are some key
components of the plan:
Coverage begins after 14 days for an accident or illness
60% Salary Reimbursement to $1500 per Week Maximum
Maternity is treated like any other illness