Page 13 - AFL 2022 New Hire Guide with Legal Notices

LIFE INSURANCE AND

DISABILITY

Life and AD&D Insurance Disability Insurance
AFL provides basic life and AD&D insurance for employees and offers Disability insurance provides income
voluntary insurance options for employees and their dependents. replacement should you become disabled
and unable to work due to a non-work-
Basic Life and AD&D Insurance related illness or injury. AFL provides
Life insurance is an important part of your financial wellbeing, especially if eligible associates the opportunity to
others depend on you for support. AFL provides basic life coverage and purchase voluntary disability coverage.
basic AD&D coverage of $25,000 at no cost to you. You do need to enroll in this benefit.

Voluntary Life and AD&D Insurance Coverage Benefit
You may choose to purchase additional life and AD&D coverage for Voluntary ΅ You can purchase Voluntary
yourself and your dependents at affordable group rates. Rates are based Short-Term Short-Term Disability
on age and the coverage level chosen. Disability coverage which covers
50% of your base pay up to
$1,200 per week
Voluntary Life and AD&D Insurance for you
΅ Elimination Period: 15 Days
Employee Voluntary ΅ You can purchase Voluntary
΅ 1x to 5x base annual salary rounded to nearest $5,000 ($30,000 minimum) Long-Term Long-Term Disability
΅ Up to a $1,500,000 maximum Disability coverage which covers
50% of your base pay up to
Voluntary Life and AD&D Insurance for your dependents $6,000 per month
΅ Elimination Period: 180 Days
Spouse
΅ Increments of $25,000 (not to exceed 50% of your voluntary life
and AD&D coverage)
΅ Up to a $100,000 maximum
΅ Guaranteed issue up to $50,000 Family Medical Leave
Child(ren) Act (FMLA)
΅ You have two life insurance coverage options for your eligible dependent If you have been with the
children under the age of 19, or to age 25 if a full-time student company for 12 months, you
΅ $5,000 or $10,000 per child
may be eligible for up to 12
work weeks of unpaid leave
It is the responsibility of the employee to remove coverage once per year under the Family and
dependents are no longer eligible for coverage. Medical Leave Act (FMLA).
FMLA can be used for an
illness of your own, care
needed for a family member,
care for a newborn and certain
other medical needs.

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