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Employer Paid Basic Life, AD&D,
and Long Term Disability
BASIC LIFE/ACCIDENTAL DEATH AND
DISMEMBERMENT (AD&D) INSURANCE
Basic Life/AD&D insurance is a benefit
provided
at no
cost to you. The coverage amount is 1 time your
annual earnings, up to $100,000 (rounded to the next
higher $1,000) for basic life. Coverage is effective on
the first day of the month following 60 days of
employment.
AD&D insurance pays an additional amount based on a
specific list of losses such as loss of life, limb, or sight
due to an accident.
Please remember to contact the Human Resource
s
Department when you need to update your life
beneficiary.
Customer Service: (888)600-1600
Websites:
www.glic.comGroup Number: 0478539
LONG-TERM DISABILITY INSURANCE
Long-Term Disability (LTD) coverage can protect your income in
case of a long-term injury or illness. This coverage is provided by
Guardian. This benefit is provided by your employer at no cost to
you.
Your LTD benefit cannot exceed 60% of covered monthly payroll
or $6,000. LTD benefits start after you have been deemed
disabled for 90 days and may continue until you return to work,
retire (up to age 65 or social security normal retirement age
depending on the date of disability), or die, subject to contract
provisions.
If you have been treated by a physician or taken medication for a
condition in the last 3 months
,
the plan will not provide coverage
for that condition for the first 12 months you are covered. (New
Enrollees Only)