Page 16 - Fort Health Care 2022 Benefit Guide

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LIFE INSURANCE - ACCIDENTAL DEATH & DISMEMBERMENT

(AD&D) COVERAGE

Life insurance is an important part of Fort HealthCare provides Basic Life
your financial security, especially if and AD&D Insurance to all eligible

others depend on you for support. employees, at no cost to you.
Accidental Death & Dismemberment
This benefit includes two times annual
(AD&D) insurance is designed to
basic earnings, up to a maximum
provide a benefit in the event of benefit of $500,000.

accidental death or dismemberment.

VOLUNTARY LIFE INSURANCE COVERAGE

Fort HealthCare offers employees ◼ As a spouse, enroll in the minimum
to purchase additional life $5,000 benefit and they can

insurance for themselves, their increase coverage at any future
spouse, and their children. annual enrollment all the way up to
the guarantee issue amount of
◼ As an employee, enroll in the $50,000 with medical questions
minimum $10,000 benefit and (evidence of insurability required).
you can increase coverage at
any future annual enrollment all ◼ Child coverage is $10,000.
the way up to the guarantee
◼ Note: You can elect spouse
issue amount of $200,000 with
medical questions (evidence of coverage not to exceed 100% of
insurability required). your combined basic and additional
life insurance coverage.

DISABILITY INSURANCE COVERAGE

The goal of Fort HealthCare’s Disability Insurance Plans is to provide you with income replacement should you become
disabled and unable to work due to a non-work-related illness or injury. Fort HealthCare provides eligible employees
with disability income benefits at no cost to you.

Short-Term Disability (STD): Long-Term Disability (LTD):

◼ A percentage of your weekly pre-disability Covers 50% of your weekly pre-disability earnings —
earnings are covered. up to a $1,500 monthly maximum.

◼ Benefits begin on the 4th day of injury or illness
◼ Benefits begin after 90 days of disability or illness
and continue to the earlier of recovery or 13
and maximum benefit period is determined by
week s .
your age when disability begins-refer to

Certificate.

Guide to Your Benefits | May 1, 2022 – April 30, 2023