Life Insurance
Life insurance benefits can help give you peace of mind knowing you’re prepared for the future—providing a cash benefits to you or your loved ones in the event of death or a serious accidental injury.

• Basic Life and Accidental Death and Dismemberment (AD&D) Insurance is provided in the amount of $25,000  at no cost to you. Life insurance pays benefits in the case of your death and its complimentary AD&D insurance pays benefits if your death is the result of a covered accident. AD&D also pays partial benefits if you are severely injured and suffer a loss, such as the loss of a limb or eyesight.
• Supplemental Life and AD&D Insurance is available in addition to your Basic Life Insurance provided by Western Dental. This coverage helps ensure that your family will have financial security, even in the case that something happens to you. If you purchase additional coverage for yourself, you can also purchase coverage for your spouse and children.

Disability Insurance 
You have the option of enrolling in Long Term Disability (LTD) Insurance from Reliance Standard, which can protect your income if you were to become totally disabled and unable to work. This policy pays up to 60% of your monthly income, not to exceed $8,000 per month. Benefits begin after 90 days of disability and continue until you are no longer disabled or you reach your Social Security normal retirement age. 

You pay the premium with after-tax payroll contributions which allows the LTD benefit you receive to be tax-free. Premiums are based on your age and annual earnings as of January 1st each year.