标准的
Life 和 Accidental Death & 解体(广告&D)保险
澳门威尼斯人平台官网 provides 基本生活 和 基本意外死亡 & 解体 coverage to all, full-time, benefit-eligible employees. Coverage is automatic, 100% employer paid, 和 no enrollment is needed. Both policies provide $50,000 in coverage.
额外的 supplemental life insurance can be elected for an additional cost to the employee. Costs vary based on coverage amount 和 age. Employees can elect additional supplemental life insurance for their spouses 和 dependents if they elect coverage for themselves. Voluntary coverage can be elected as a new hire, during annual Open Enrollment, or within 30 days of a qualifying life event. Coverage purchased 公开招生期间 or after a qualifying life event is subject to Evidence of Insurability (EOI).
Short-Term 和 Long-Term Disability Insurance
Short-Term Disability (STD) is voluntary 和 provides income protection for eligible employees if elected. These benefits begin on day 15 of the qualified disabling injury/illness for up to 26 weeks/180 days. The plan pays 60% of the employee’s weekly base pay – up to a maximum of $1,000 per week. Coverage can be purchased as a new hire, 公开招生期间, or within 30 days of a qualifying event. Coverage elected during annual Open Enrollment or after a qualifying life event is subject to an Evidence of Insurability (EOI).
Long-Term Disability (LTD) provides a monthly benefit if an employee cannot work in their occupation due to a qualified disabling injury/illness. 全职, benefit-eligible employees are automatically eligible for LTD benefits upon completion of 1 year of service at a full-time status. This benefit starts after 26 weeks/180 days of the qualified disabling injury/illness up until the employee is no longer disabled, or until the employee reaches social security retirement age. This benefit pays 60% of the employee’s monthly base pay–up to a maximum of $10,000 per month. This coverage is provided by 澳门威尼斯人平台官网 after one year of full-time service 和 at no cost to eligible employees.
Critical Illness Insurance
重要疾病 is a voluntary benefit plan that provides financial assistance upon the diagnosis of a major critical illness. Money from qualified claims can be used for any expenses such as house payments, 食品杂货, 去看医生, 等., 和 are not limited to medical expenses. The plan pays a percentage of the elected coverage amount to the claimant upon diagnosis of a covered major medical condition. Examples of covered major medical conditions include but are not limited to, 心脏病, 中风, 主要器官移植, 终末期肾衰竭, developmental conditions (for children), 和癌症.
Employees can elect critical illness coverage for their spouses 和 dependents if they elect coverage for themselves. Costs vary based on coverage amount 和 age. Critical Illness coverage can be elected as a new hire, during annual Open Enrollment, or within 30 days of a qualifying life event. Coverage elected 公开招生期间 or after a qualifying life event is subject to an Evidence of Insurability (EOI).
意外保险
意外保险 is a voluntary plan that provides a cash benefit to covered members injured due to an accident. Cash benefits can be used for any expenses 和 are not limited to associated medical expenses. The plan provides a lump sum for specific qualified injuries due to an accident. These include but are not limited to fractures, 混乱, 伯恩斯, 和 costs associated with emergency care 和 hospital admissions.
Employees can elect accident insurance coverage for their spouses 和 dependents if they elect coverage for themselves 和 costs vary based on tier. 意外保险 coverage can be elected as a new hire, during annual Open Enrollment, or within 30 days of a qualifying life event.
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