Employer-Paid Benefits Basic Life Insurance Long-Term Disability The Noblesville Schools employer-paid basic life insurance Employer-paid long-term disability protects your income policy is available to all full-time employees. for a period of time due illness or injury that last longer than your short-term disability benefit. Benefits begin 90 days after the date of the incident and will cover 60% of your earnings. Basic Accidental Death & Dismemberment Insurance The Noblesville Schools employer-paid basic AD&D insurance For basic life, long-term disability, and AD&D insurance policy is available to all full-time employees in the event of death, eligibility requirements, please log in to PlanSource. loss of (or loss of use of) a body part or function, speech, eyesight, or hearing. Coverage decreases incrementally at age 65.