Basic Life Insurance The employer-paid basic life insurance policy is available to all full-time personnel. In the event of your death, your beneficiaries will receive 2x your annual earnings to a maximum of $125,000. Coverage decreases by 40% at age 66. Basic Accidental Death & Dismemberment Insurance The employer-paid basic AD&D insurance policy is available to all full-time personnel. In the event of death, loss of (or loss of use of) a body part or function, speech, eyesight, or hearing, your beneficiaries may receive an additional payment equal to the volume of your basic life insurance policy. Short-Term Disability Service personnel receive a short-term disability benefit protects your income during a short period of time due to illness, maternity leave, or an accident not related to your job. This benefit is subsidized at 75% by the University. Benefits begin on the 8th day after the date of the incident and will replace up to 80% of your lost income per week for a maximum of 26 weeks. Long-Term Disability Employer-paid long-term disability protects your income for a period of time due to illness, maternity leave, or an accident not related to your job. The elimination period will be equal to the maximum duration of your short-term disability policy (26 weeks for service personnel, 13 weeks for all other employees), and will replace up to 60% of your lost income per month until you reach Social Security Normal Retirement Age.