Page 14 - Gerald R Ford International Airport Authority 2022 Benefits Guide

Life insurance and disability

Life and AD&D Insurance Disability Insurance
GFIAA provides basic life and AD&D insurance for Disability insurance provides income replacement
employees and offers voluntary insurance options for should you become disabled and unable to work due
employees and their dependents. to a non-work-related illness or injury. GFIAA provides
disability coverage at no cost as shown below. Coverage
Basic Life and AD&D Insurance is automatic; you do not need to enroll.
Life insurance is an important part of your financial
wellbeing, especially if others depend on you for support. Coverage Benefit
GFIAA provides basic life and accidental death and
dismemberment insurance at no cost equal to: Short-Term ● 67% of your normal gross straight time
Disability wages for the first 26 weeks of a disability
ALG and COAM after the one-week waiting period.
● $50,000 annually Long-Term ● 66.67% of your normal gross straight time
● Coverage begins the first day of the month following Disability wages if you are disabled and coverage will
employment. start after 180 days after become disabled.
UAW and FOP ● Benefits are offset with other sources
of income, such as Social Security and
● $50,000 annually Workers’ Compensation.
● Coverage begins after 6 months of employment
Coverage is automatic; you do not need to enroll.
Family Medical Leave Act (FMLA)
Voluntary Life and AD&D Insurance If you have been with the company for 12 months,
You may choose to purchase additional life and AD&D you may be eligible for up to 12 work weeks of
coverage for yourself and your dependents at affordable unpaid leave per year under the Family and Medical
group rates. Rates are based on age and the coverage Leave Act (FMLA). FMLA can be used for an illness
level chosen. of your own, care needed for a family member, care
for a newborn and certain other medical needs.
Voluntary Life and AD&D Insurance for you

Employee
● Increments of $5,000
● Up to a $150,000 maximum
● ALG and COAM: You may apply after first day of the month
following employment.
● UAW and FOP: You may apply after 6 months of employment.

Voluntary Life and AD&D Insurance
for your dependents

Spouse Child(ren)
● Increments of $5,000 ● $10,000 per child
(not to exceed 50% of ● Birth to age 26
your voluntary life and
AD&D coverage)
● Guaranteed issue up
to $25,000

● Spouse and dependent children can only be enrolled in
coverage if the employee is enrolled.

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