Basic Life Voluntary Life The LHD employer-paid basic life insurance policy is Employee Benefit: Increments of $10,000 up to $500,000 or up to available to all full-time employees. In the event of your 5x your salary. Guarantee issue of $100,000. death, your beneficiaries will receive $50,000. Coverage Spouse Benefit: Increments of $5,000 up to $500,000. decrease to 35% at age 65 and 50% at age 70. Guarantee issue of $25,000. Child(ren) Benefit: Up to $10,000, guarantee issue is face-value. Short-Term Disability Long-Term Disability LHD employer-paid short-term disability protects your LHD employer-paid long-term disability protects your income during a short period of time due to illness or an income for an extended period of time. accident not related to your job. Benefits begin on the 8th st st day after an illness or the 1 day after and accident. The Benefits begin on the 91 day after the date of the incident policy will pay a tiered percentage of your weekly salary and will cover 60% of your earnings (up to $10,000/month). for 90 days at 100% / 85% / 75%.