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Income Protection Plans

Have a peace of mind knowing that you and your loved ones are protected in the event of an accident. 

Basic Employee Life Insurance and
Accidental Death & Dismemberment (AD&D)

Life Insurance and Accidental Death and Dismemberment (AD&D) insurance provide funds for those who have lost someone or for those who are seriously injured. Life insurance pays funds to your designated beneficiaries after your death, while AD&D pays an amount equal to your life insurance in the event of an accidental death or for certain accidental injuries.

 

It’s very important that you have a beneficiary designated in ADP, especially after experiencing a life event such as marriage or divorce. Basic Life and AD&D is an employer paid plan.

Basic Life and AD&D Plan Includes:

  • Basic Life and AD&D is Employer paid

  • Lincoln Financial Group administers this plan

  • Coverage: Two times annual earnings* rounded to the next higher $1,000

  • Maximum Benefit: $500,000

  • Guarantee Issue: $500,000

 

Note: Earnings include base salary, commissions and bonuses.

Voluntary Life Insurance and
Accidental Death & Dismemberment (AD&D) insurance

You may also purchase additional coverage for you, your spouse, and your eligible children. 

Voluntary Life and AD&D Plan Options:

  • Voluntary Life and AD&D is Employee paid

  • Lincoln Financial Group administers this plan

 

Life and AD&D Benefit Summary
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Short Term Disability (STD)

Short Term Disability (STD) provides income replacement for up to 26 weeks for employees who become unable to work due to injury or illness, including pregnancy. Benefits received under this plan will be offset by benefits you receive, or are entitled to receive, under any state or federal compulsory benefit act or law, such as state disability, workers’ compensation and Social Security. This is an employer paid plan.

Your Short Term Disability Plan

  • Short Term Disability (STD) is Employer paid

  • Lincoln Financial Group administers this plan

  • Coverage: 60% of weekly earnings

  • Maximum Benefit: Up to $3,500 per week (up to 26 weeks)

  • Benefit is offset by other sources of income, including CA State Disability Insurance (SDI)

 

Note: Earnings include base salary, commissions and bonuses.

Long Term Disability

If you continue to be disabled for more than 180 days, you may be eligible to receive disability benefits on a monthly basis under our Long Term Disability (LTD) plan offered through Lincoln Financial Group. You will continue to receive payments under the LTD plan as long as you are deemed “disabled” until you reach Social Security Normal Retirement Age (SSNRA). Benefits will be offset by other sources of disability income you receive. This is an employer paid plan.

Leg Injury

Your Long Term Disability Plan

  • Long Term Disability is Employer paid

  • Lincoln Financial Group administers this plan

  • Coverage: 66.67% of monthly earnings

  • Maximum Benefit: Up to $14,000 per month (up to Social Security Normal Retirement Age)

  • Benefit is offset by other sources of income, including CA State Disability Insurance (SDI)

 

Note: Earnings include base salary, commissions and bonuses.

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