Life & Disability Insurance
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Company Paid Life and AD&D
Basic Life and AD&D
Basic Life Insurance pays your beneficiary a lump sum if you die. AD&D (Accidental Death & Dismemberment) coverage provides a benefit to you if you suffer from loss of a limb, speech, sight, or hearing, or to your beneficiary if you have a fatal accident. The cost of coverage is paid in full by the company. You are automatically enrolled in these coverages administered by New York Life.
Emmes provides 2x your base annual salary up to a maximum benefit of $250,000.
Beneficiaries
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Conversion
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Supplemental Life and AD&D
Protecting those you leave behind
Voluntary Life Insurance allows you to purchase additional life insurance to protect your family's financial security. Coverage is available for your spouse and/or child(ren) if you purchase coverage for yourself through New York Life.
In the event of a serious or fatal accident
Voluntary AD&D Insurance allows you to purchase accidental death and dismemberment coverage that pays your beneficiary if you have a fatal accident. If you experience a serious injury such as a loss of a limb, speech, sight or hearing, the plan pays a benefit to you. Coverage is available for your spouse and/or child(ren) if you purchase coverage for yourself.
You can purchase:
FOR YOURSELF (EMPLOYEE)*:
Up to $500,000 Guaranteed Issue: $250,000
FOR SPOUSE:
Up to 50% of employee coverage up to $250,000
Guaranteed Issue: $25,000
FOR CHILDREN**:
Up to $10,000 per child
Guaranteed Issue: $10,000
*Coverage is subject to reduction beginning at age 70. **Children are eligible from live birth through 26 years of age.
Disability Benefits
Expect the unexpected
Expect the unexpected. Most people underestimate the likelihood of being disabled at some point in their life. Disability insurance replaces part of your pay while you are unable to work so you have a continuing income for living expenses.
Short-Disability (STD) Insurance
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- Pregnancy issues and childbirth recovery
- Prolonged illness or injury
- Surgery and recovery time
STD payments may be reduced if you receive other benefits such as sick pay, workers' compensation, Social Security or state disability.
Company paid benefit is 60% up to a maximum of $2,500 per week.
Long Term Disability (LTD) Insurance
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Long-Term Disability (LTD) insurance replaces part of your income for longer term issues such as:
- Debilitating illness (cancer, heart disease, etc.)
- Serious injuries (accident, etc.)
- Heart attack, stroke
- Mental disorders
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4 THINGS TO KNOW ABOUT LTD INSURANCE:
- It can protect you from having to tap into your savings
- You can use LTD benefits however you need; for housing, food, medical bills, etc.
- Benefits can last a long time - from weeks to even years, if you remain eligible
- Benefits are tax-free, since you pay the premiums with after-tax dollars
