Glossary of Terms

Long Term Disability (LTD)- Paycheck protection from the 91st day off work to two years. (Employee Paid)

Short Term Disability (STD) - Paycheck Protection from the 8th day to 13 weeks. (Employer Paid)

Accidental Death & Dismemberment (AD&D)- Accidental death and dismemberment insurance covers loss of speech, eyesight or hearing, loss of limbs or fingers, coma or paralysis resulting from an accident, and death resulting from an accident  (Employee Paid)

Life Insurance - pays a tax-free benefit to your beneficiaries if you die (Employee Paid)