Basic Life and AD&D The employer-paid basic life and accidental death & dismemberment insurance policy is available to all full-time employees. Visit Steele Benefits system or talk to HR for full details on this benefit and coverage. 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. Benefits are payable after 90 days of disability. Your benefit amount is 66.7% of your monthly earnings. Max benefit is based on employment class. Basic Life and AD&D, and Long-Term Disability available to full time employees for $1 a calendar year. Boston Mutual whole life insurance offers protection beyond your working years. It combines guaranteed premiums, death benefits, and cash accumulation. With whole life insurance you choose the amount of insurance or the amount of premium that best suits your need and budget. Enrollment is offered one time annually during open enrollment Whole Life Insurance Supplemental Life insurance available to all employees working at least 180 days Employees have the option to purchase additional life insurance. 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. Guarantee issue of $25,000. Child(ren) Benefit: Up to $10,000. Guarantee issue of $10,000. Voluntary Life and AD&D