Voluntary Term Life Insurance Employer-Paid Basic Life and AD&D The group life and accident, death, and dismember policy is available to all full-time employees and is 100% employer- paid in the event of death, loss of (or loss of use of) a body part or function, speech, eyesight, or hearing. Click here to view eligibility, benefits, guarantee issue, and more. Voluntary Short-Term Disability Short-term disability is 100% employee paid and protects your income during a short period of time due to illness or an accident not related to your job. Benefits begin on the 15th day after the date of the incident and the policy will pay 60% of your weekly salary for 13 weeks. Click here to view premium tables and highlight sheets. Employer-Paid Long-Term Disability Long-term disability is 100% employer paid and protects your income for an extended period of time. Benefits begin on the 91st day after the date of the incident and will cover 67% of your earnings. Click here to view highlight sheets. Employees have the option to purchase additional life insurance. Evidence of Insurability is required for new enrollments in the plans or increases in benefit amount. Employee Benefit: Increments of $10,000 up to $500,000. Guarantee issue of $200,000. Spouse Benefit: Increments of $5,000 up to $250,000. Child(ren) Benefit: Increments of $2,000 up to $10,000. Click here to view premium tables and highlight sheets.