Optional Insurance Plans

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Life Insurance

All health insurance plans include $5,000 of basic life insurance. Coverage is also available to employees not enrolled in a health insurance plan. This term life and accidental death and dismemberment policy is provided at a cost of $1.37 per month.

Optional Life Insurance

Optional life insurance is available in amounts up to 8 (eight) times your annual base salary. New hires may purchase optional life insurance without proof of good health within 10 working days from their date of hire. Purchase of this insurance after the new hire enrollment period is dependent on proof of good health. Employees can purchase additional insurance at any time during the year.
Click here for more information about Life Insurance.

Includes Accidental Death & Dismemberment		Rate per $1,000
Age	Smoker	Non-Smoker
Under 35	$0.09	$0.05
35-44	0.13	0.06
45-49	0.24	0.09
50-54	0.38	0.15
55-59	0.58	0.23
60-64	0.88	0.34
65-69	1.57	0.83
70 and over	2.81	1.30

Long-term Disability Insurance

Full and part-time employees are eligible to purchase long-term disability insurance, administered by Unum. Under this policy, if you are disabled for an extended period of time you will receive 50% of your basic monthly salary (tax free) up to a maximum monthly benefit. Benefits are reduced by other income sources, such as Social Security disability, Workers' Compensation, accumulated sick leave and retirement benefits, but the benefit will be at least $100 or 10% of your gross monthly benefit amount, whichever is greater.
Premiums are based on your age and current salary and the premium will be adjusted as your age and salary increase.

Click here for more information about Long Term Disability.

Or visit the Unum Website or call 1-877-226-8620.

Eligible Employees	Monthly Premium per $100 of Monthly Earnings
Under 20	$0.09
20-24	0.09
25-29	0.11
30-34	0.15
35-39	0.19
40-44	0.38
45-49	0.55
50-54	0.77
55-59	0.98
60-64	0.89
65-69	0.41
70 and over	0.23

Download LTD Summary Plan Description (PDF)

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Human Resources