WHEN LIFE THROWS YOU A CURVEBALL
COMPANY PROVIDED Short-Term Disability
• Whole Life Insurance — Provides death benefit coverage that you can increase or decrease as your needs change. The policy builds cash value on a tax-deferred basis at current interest rates, and premium payments are flexible. NOTE: Policies have limitations and exclusions that may affect benefits payable. Ask your Colonial Life Benefits Counselor for complete details. In New York Colonial Voluntary Benefits are underwritten by the Paul Revere Life Insurance Company. Voya Voluntary Life and Long-Term Disibility Voluntary Long-Term Disability You can’t predict accidents, but you can be prepared if they happen. If you’re unable to perform the functions of your job for more than 26 weeks, voluntary long- term disability pays you up to 60% of your base pay to a maximum of $5,000 per month. Benefits continue up to age 65 (or your Social Security normal retirement age) as long as you remain totally disabled. Voluntary Life and AD&D Insurance You can purchase additional illness, accident, and life insurance coverage during enrollment or if you experience a Qualifying Life Event (QLE). Review your enrollment guide for more details. Trustmark Life+Long Term Care 833-644-2392 | averitt.yourcare360.com Long-term care services — assistance with things like basic personal tasks of everyday life, such as help bathing, dressing, using the toilet and eating — can get expensive. This benefit through YourCare360 allows you to use 4% of the life insurance death benefit for up to 25 months to cover personal and custodial care in a variety of settings such as your home, community, or other facility. Averitt associates between the ages of 18 and 75 and spouses between the ages of 18 and 70 may apply. Your rate is locked in based upon your age at the time of the effective date of the application.
Since accidents and illnesses can happen that may keep you out of work, short-term disability coverage — available at no cost to you after one year of service — ensures that you continue to receive a portion of your income for up to 26 weeks in the event of a disability. For details on short-term disability, please contact your leadership. Life and AD&D Insurance Averitt provides basic life and AD&D insurance for you and dependent life insurance for your spouse and children at no cost through Voya. For more coverage details, review your enrollment guide.
LOOKING FOR MORE COVERAGE? Colonial Life Voluntary Benefits
• Accident Insurance — Provides benefits for injuries resulting from covered accidents, such as fractures, burns and lacerations, as well as for doctor’s office or emergency room visits, ambulance charges, X-rays, and physical therapy. • Cancer Insurance — Helps offset the covered out-of pocket medical and indirect, non-medical expenses related to cancer, including benefits for diagnosis and treatment. This coverage also provides a benefit for specified cancer screening tests. • Critical Illness Insurance — Supplements your major medical coverage by providing a lump-sum benefit that you can use to pay the direct and indirect costs related to a covered critical illness, such as heart attack (myocardial infarction), endstage renal failure, coronary artery bypass surgery, stroke or major organ transplant. Provides an annual health screening benefit for covered tests. Cancer benefit is optional at an additional cost. • Hospital Confinement Indemnity Insurance — Provides a lump-sum benefit for a covered hospital
confinement to help cover copayments and deductibles that are not covered by most major medical plans.
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