LIFE AND DISABILITY INSURANCE GUARDIAN
www.guardianlife.com 800.555.1234
Life Insurance We provide Basic Life and AD&D insurance at no cost to you!
Insurance coverage
Benefit
Basic Life and AD&D
$100,000
If you would like additional coverage, Voluntary Life and AD&D insurance is available to you, your spouse and your dependent children. You must enroll in coverage for yourself in order to cover your spouse or children. If you don’t enroll in Voluntary Life when it’s first available to you, or elect an amount over the Guaranteed Issue, you may be required to complete an Evidence of Insurability (EOI) form.
Insurance coverage
Benefit
$10,000 to $500,000 in $10,000 increments. The Guaranteed Issue amount is $100,000.
Voluntary Employee life
$5,000 to $250,000 in $5,000 increments, not to exceed 100% of Employee’s amount. The Guaranteed Issue amount is $30,000. $5,000 to $20,000 in $5,000 increments, not to exceed 100% of Employee’s amount. The Guaranteed Issue amount is $20,000.
Voluntary spouse life
Voluntary child life
Disability You have the opportunity to purchase Short-Term Disability and the company provides Long-Term Disability. These plans give you income protection in the event you are ill or injured in a non-work related injury, and can’t come to work. If you don’t enroll in Disability coverage when it’s first available, you may be required to complete and an Evidence of Insurability (EOI) form.
Voluntary Short-term disability benefits
Long-term disability benefits
Elimination period
7 days
Elimination period
180 days
Weekly benefit
60% of weekly earnings
Monthly benefit
60% of monthly earnings
Maximum weekly benefit
$2,000
Maximum monthly benefit
$10,000
Maximum benefit period
26 weeks
Maximum benefit period
SSNRA
12
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