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.
Watch this video to learn more about Disability Insurance
SHORT-TERM DISABILITY HIGHLIGHTS
Plan Funding
100% employee paid
Eligibility
Full-time active employees
Benefit Percentage
60% of your weekly salary
Maximum Weekly Benefit
$1,500
Benefit Begins (Accident / Sickness)
8th day / 8th day
Benefit Duration
12 weeks
LONG-TERM DISABILITY HIGHLIGHTS
Plan Funding
100% employee paid
Eligibility
Full-time active employees
Benefit Percentage
60% of your monthly salary
Maximum Monthly Benefit
$5,000
Benefit Begins
91st day
Benefit Duration
Social Security Normal Retirement Age
Watch this video to learn more about Life Insurance
GROUP LIFE AND ACCIDENTAL DEATH & DISMEMBERMENT (AD&D) BENEFIT HIGHLIGHTS
Benefit (Employee Only)
$25,000
Benefit Reduction Schedule
65% at age 65; 50% at age 70; terms at retirement
VOLUNTARY LIFE
This is your one-time opportunity to elect up to the Guarantee Issue amount without having to complete an Evidence of Insurability form and answer medical questions. If you wish to elect over the Guarantee Issue amount, then an Evidence of Insurability form is required. Please contact Human Resources for the Evidence of Insurability form and please see the Rippling portal for the rates.
Employee Benefit3
Increments of $10,000
Maximum Coverage: $300,000
Guarantee Issue: <70: $100,000 and Age 70+: $10,000
Spouse Benefit1,2,3
Increments of $5,000
Maximum Coverage: Up to $100,000; not exceed 50% of employee amount
Guarantee Issue: <70: $25,000 and Age 70+: $10,000
Child(ren)1,3,4
$5,000 or $10,000
(not to exceed 50% of employee amount)
Please note - Voluntary Life and AD&D is 100% employee paid
1. Coverage is only available to the spouse and dependent child(ren) if the employee elects coverage.
2. Spouse’s rate is based on the employee’s age.
3. The Guarantee Issue is the dollar amount that will be issued without submitting proof of insurability, such as answering medical questions on an application or completing a medical exam. Check with your employer to see if you’re eligible for the Guarantee Issue.
4. From Birth to 14 days: Max coverage $1,000
Contact the provider of these benefits by calling this phone number or visiting this website: Customer Service:
(800) 986-3343| www.principal.com
QUESTIONS? CONTACT THE CARE LINE
Care Line is an NFP-sponsored program that is staffed by dedicated professionals to help you understand the benefit options made available to you. Whether you have concerns about a recent claim or bill, finding an in-network doctor or just some guidance on which medical plan is right for you and your family, the Care Line can help educate and advocate. The Care Line is available to all employees and children over 18 who are enrolled on the benefit plan.
Contact the Care Line at (844) 717-8777, or you can submit your questions at callthecareline.com.
The Care Line is open Monday - Friday from 8:00 am - 7:00 pm (EST).