Page 15 - Emmis 2022 Benefit Guide

Basic Life and Accidental Death &
Dismemberment (AD&D) Insurance

Coverage

Life insurance is an important part of your financial security,
especially if others depend on you for support. Accidental
Death & Dismemberment (AD&D) insurance is designed to
provide a benefit in the event of accidental death or
dismemberment.

Emmis provides Basic Life and AD&D Insurance to all eligible
employees at no cost to you: One times your base annual
earnings, up to a maximum benefit of $100,000. Emmis also
provides $5,000 in Basic Life coverage for your spouse and
$2,500 for eligible dependents, if applicable.
Supplemental Life and Accidental

Death & Dismemberment (AD&D)
Insurance Coverage

Emmis offers supplemental term life insurance and AD&D
through MetLife to all eligible employees (non-union full-time Paid Time Off and Leave
and employees with 30 days of service) over the age of 19. This
Emmis recognizes several paid holidays through the year, as
is in addition to the company-paid life insurance Emmis
well as vacation time based on years of service, and your
provides. When an employee is first hired, he or she has the
birthday off. Emmis also provides salary continuation during
opportunity to purchase this additional coverage for
a qualified leave of absence to those employees who meet
himself/herself, a spouse and/or eligible dependent children at
eligibility requirements. See the Pay While on Qualified
competitive rates through payroll deduction.
Leave policy in the Employee Handbook or in the EmmisPlan
Portal for additional information.
Coverage Benefit
◼ $10,000 increments to maximum of the Disability Insurance Coverage
lesser of 5x annual salary or $1,000,000
◼ Lesser of 4x annual salary or $500,000 is The goal of the disability plan is to provide you with income
Employee guarantee issued at initial enrollment replacement should you become disabled and unable to
◼ Late entrants or amounts over the guarantee work due to a non-work-related illness or injury. Emmis
issue will require a Statement of Health to be
completed provides eligible employees with disability income benefits
at no cost to you.
◼ $5,000 increments to a maximum benefit
election of $50,000 Coverage Benefit
Spouse ◼ Late entrants or amounts over the guarantee ◼ Provided during a qualified leave of
issue will require a Statement of Health to be absence to those employees who meet the
completed Short-Term Salary eligibility requirements
Continuation
◼ Additional information can be found in the
◼ $5,000 increments to a maximum benefit Employee Handbook
election of $10,000
Dependent Child ◼ Late entrants or amounts over the guarantee Long-Term ◼ Covers 60% of your base monthly earnings,
issue will require a Statement of Health to be Disability to a $15,000 maximum
completed ◼ Benefit begins after 90 days of disability

Your Benefits Guide 2022 14