Page 9 - 2018 Harbin Benefit Guide
P. 9
Harbin Clinic
Life, AD&D, and LTD
Insurance
Life and AD&D Insurance—Standard Insurance
Company
We know inancial security and planning is a top priority for you. This is
why we offer life insurance beneits to help inancially protect you and
your family if your income were suddenly lost.
Harbin Clinic provides a basic term life and accidental death and
dismemberment (AD&D) beneit of $50,000.
Life Insurance At-a-Glance
Standard
Eligibility Active full-time employee working at least 30 hours per week
Employee Life Insurance
Basic $50,000
Living Beneit
If you become terminally ill while covered, you can claim up to 85% of your life
beneit while you are still living; terminally ill means you are expected to live 12
months or less
AD&D Insurance At-a-Glance
Standard
Eligibility Active full-time employee working at least 30 hours per week
AD&D Insurance
Basic Matches life beneit amount
Disability
Harbin Clinic provides long term disability coverage.
Long term disability (LTD) protects your family by providing you with a
percentage of your income while you are disabled for a longer period than
90 days.
LTD Beneits At-a-Glance
Standard
Beneit Amount 60% of your pre-disability earnings up to $15,000 maximum per
month
Cost Harbin Clinic pays full premium
Waiting Period 90 days
Duration Up to age 65
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Life, AD&D, and LTD
Insurance
Life and AD&D Insurance—Standard Insurance
Company
We know inancial security and planning is a top priority for you. This is
why we offer life insurance beneits to help inancially protect you and
your family if your income were suddenly lost.
Harbin Clinic provides a basic term life and accidental death and
dismemberment (AD&D) beneit of $50,000.
Life Insurance At-a-Glance
Standard
Eligibility Active full-time employee working at least 30 hours per week
Employee Life Insurance
Basic $50,000
Living Beneit
If you become terminally ill while covered, you can claim up to 85% of your life
beneit while you are still living; terminally ill means you are expected to live 12
months or less
AD&D Insurance At-a-Glance
Standard
Eligibility Active full-time employee working at least 30 hours per week
AD&D Insurance
Basic Matches life beneit amount
Disability
Harbin Clinic provides long term disability coverage.
Long term disability (LTD) protects your family by providing you with a
percentage of your income while you are disabled for a longer period than
90 days.
LTD Beneits At-a-Glance
Standard
Beneit Amount 60% of your pre-disability earnings up to $15,000 maximum per
month
Cost Harbin Clinic pays full premium
Waiting Period 90 days
Duration Up to age 65
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