Life & Disability
We encourage employees to take care of themselves and their loved ones – now and in the future. At times, unfortunate events such as an unexpected death or injury can take a toll on our employees and their families. We help employees through these tough times by providing the additional benefits listed below.
Learn more about
Life Insurance
Life and AD&D Plan Design
Administered by Unum
AHS’s Life Insurance plan pays benefits if you die or are seriously injured. The Basic Life Insurance is automatically provided by Unum. Supplemental Life Insurance and Supplemental Accidental Death and Dismemberment Insurance are also available for you and your family.
Please check the summary plan description for complete plan details.
Basic Life Insurance
Plan Funding
100% Company-paid
Benefit Amount
1.5x salary, not to exceed $600,000
Accidental Death & Dismemberment
Plan Funding
100% Company-paid
Benefit Amount
1x salary, not to exceed $200,000
Supplemental Life Insurance
Administered by Unum
If you elect Supplemental Life Insurance and Accidental Death and Dismemberment Insurance, your Basic and Supplemental Insurance coverage amounts are combined for the plan maximums shown in the Life and Accidental Death and Dismemberment chart. Depending on the amount you elect, you may have to answer questions about you or your spouse’s health.
You may elect Supplemental Life and AD&D insurance on a voluntary basis through Unum. You can elect 1 to 5x your annual salary to a maximum of $1,000,000.
- Employee: If you are newly eligible, you can qualify for the lesser of 5 times annual earnings or $500,000 without medical underwriting. If you previously declined coverage or wish to increase existing coverage, you will need to answer health questions.
- Employee Spouse: $5,000; $10,000; $25,000; $50,000 or $100,000. Newly eligible spouses can enroll in up to $50,000 without medical underwriting. If you previously declined spouse coverage or want to increase coverage, you will need to answer health questions.
- Dependent children: $5,000 or $10,000
AHS’s group basic life and voluntary life are eligible for portability and conversion if you would like to continue these benefits and are no longer employed by AHS. Please call Unum within 30 days of separation to request the form.
VALUE-ADD SERVICE for team members enrolled in Company Paid Life & AD&D or Unum Voluntary Employee/Spouse/Child Life & AD&D: Worldwide Travel Assistance
Global emergency travel assistance through Unum is one phone call away for you and your family – 24 hours a day, 365 days a year – if you need immediate assistance anywhere in the world, you will be connected to:
- Multilingual, medically certified crisis management professionals
- A state-of-the-art global response operations center
- Qualified medical providers across the country and around the world
- For more information, call 800-872-1414 or visit www.assistamerica.com.
Contact the provider of these benefits by calling this phone number or visiting this website: (800) 421-0344, unum.com
Disability
AHS offers Voluntary Short-Term Disability (STD) and Voluntary Long-Term Disability (LTD) through Unum. These Disability coverages work in conjunction with one another to provide continuous income replacement in the event of a sudden income loss.
Learn more about
Disability Insurance
Disability Plan Design
Administered by Unum
Voluntary Short-Term Disability
This policy will pay you a weekly benefit if you are unable to work due to a non-work-related disabling accident or sickness. There is awaiting period from when you become ill, and when your benefits will begin. This coverage is 100% paid for by you.
Plan Funding
100% Employee-funded
Coverage Amount
60% of your weekly earnings
Maximum Weekly Benefit
$2,000
Coverage Begins (Accident / Sickness)
1st day / 8th day
Maximum Duration
13 weeks
Voluntary Long-Term Disability
You are eligible for three voluntary long-term disability plans through Unum. If you have an illness or injury that lasts longer than 90 days, this plan replaces a portion of your base monthly pay up to a monthly maximum. This coverage is 100% paid for by you.
Option 1
Plan Funding
100% Employee-funded
Coverage Amount
50% of your monthly earnings
Maximum Monthly Benefit
$15,000
Coverage Begins
91st day
Maximum Duration
2 years
Option 2
Plan Funding
100% Employee-funded
Coverage Amount
50% of your monthly earnings
Maximum Monthly Benefit
$15,000
Coverage Begins
91st day
Maximum Duration
Social Security Normal Retirement Age (SSNRA)
Option 3
Plan Funding
100% Employee-funded
Coverage Amount
60% of your monthly earnings
Maximum Monthly Benefit
$20,000
Coverage Begins
91st day
Maximum Duration
Social Security Normal Retirement Age (SSNRA)
Contact the provider of these benefits by calling this phone number or visiting this website: (800) 421-0344, unum.com