SPEAR 2024 Benefit Guide

Life, AD&D & Disability

• Employer paid Life and Accidental Death (AD&D) is provided at 1x Salary, up to $50,000.

• Employer paid Long Term Disability is provided up to 60% of earnings to a maximum of $7,500 (monthly) after 180-day elimination period through SS retirement age

• Voluntary Short-Term Disability provides employees option to purchase additional disability benefits at 60% of weekly earnings to a maximum of $1,500 (weekly) with a 7-day elimination period for up to 25 weeks.

▪ Paid by the employee with a post tax deduction

• Voluntary Life Insurance provides employees the option to purchase additional life insurance to a $300,000 maximum benefit

▪ Paid by the employee with a post tax deduction

Let’s keep moving, New York. Let’s keep moving.

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