Page 19 - Winsight 2021 Benefit Guide

Life insurance and disability

Life and AD&D Insurance Disability Insurance
Winsight provides basic life and AD&D insurance for Disability insurance provides income replacement should
employees and offers voluntary insurance options for you become disabled and unable to work due to a non-
employees and their dependents. work-related illness or injury. Winsight provides eligible
associates with disability coverage at no cost as shown
Basic Life and AD&D Insurance below. Coverage 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
Winsight provides basic life and accidental death

and dismemberment insurance to all eligible associates Short-Term • 60% of your weekly salary, to a maximum
at no cost equal to one times your base annual earnings, Disability of $2,300 per week for the first 12 weeks of
up to a maximum of $250,000. Coverage is automatic; you a disability after the one-week waiting period.
do not need to enroll. Long-Term • 60% of your base salary, to a maximum
Disability of $10,000 per month if you are disabled and
Voluntary Life and AD&D Insurance are unable to work for more than 90 days.
You may choose to purchase additional life and AD&D • Benefits are offset with other sources
of income, such as Social Security and
coverage for yourself and your dependents at affordable Workers’ Compensation.
group rates. Rates are based on age and the coverage
level chosen.

Voluntary Life and AD&D Insurance for you
Family Medical Leave Act (FMLA)
Employee If you have been with the company for 12 months,
• Available in increments of $10,000 to a maximum you may be eligible for up to 12 work weeks of
of $500,000 or unpaid leave per year under the Family and Medical
• Five times your Annual Base Salary if less than $500,000 Leave Act (FMLA). FMLA can be used for an illness
of your own, care needed for a family member, care
Voluntary Life and AD&D Insurance for a newborn and certain other medical needs.
for your dependents

Spouse Child(ren)
• Increments of $5,000 (not • $250 for 14 days-6 months
to exceed 50% of your • $10,000 for 6 months-19
voluntary life and AD&D years (25 if full-time
coverage) student)
• Up to a $250,000 maximum • Must be added within 31
• Available in increments of days of birth
$5,000 to a maximum of • Guaranteed issue: $10,000
$250,000
• May not exceed 50% of the
employee’s covered amount

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