Page 10 - Westmark BG 2020

BENEFITS

Life Insurance Disability

Guardian | Short Term Disability
Guardian | Basic Life and AD&D
Life insurance protects your family or other beneficiaries in the Westmark School offers you Short Term Disability income
event of your death while you are still actively employed with the replacement if you are disabled due to accident, sickness or
pregnancy. If you experience a temporary disability, bene-
company. Westmark School pays for coverage, offered through
fits begin 15 days after the start of your accident, sickness or
Guardian, in the amount of 2x your annual salary up to $400,000.
pregnancy. Short Term Disability is reduced by California
If your death is due to a covered accident or injury, your
beneficiary will receive an additional amount through Accidental State Disability, Social Security, and any other group disabil-
Death and Dismemberment (AD&D) coverage. ity coverage, to provide you with a combined monthly bene-
fit equal to 66 2/3% of your pre-disability earnings to a maxi-

mum of $1,386 a week.

Guardian | Voluntary Life
Guardian | Long Term Disability
In addition to the company provided Basic Life and AD&D
Westmark School offers you Long Term Disability (LTD) in-
benefits, you may elect to purchase Voluntary Term Life
insurance at group rates provided by Guardian. You pay for this come replacement if you are disabled for an extended period
coverage with after-tax dollars through convenient payroll of time. If you become totally and permanently disabled,
benefits begin 180 days after the start of your illness or inju-
deductions.
ry. Long Term Disability is reduced by California State Disa-

Employee: You may purchase Voluntary Life insurance bility, Social Security, and any other earnings, vacation pay or
coverage for yourself in increments of $10,000 up to a maximum group disability, to provide you with a combined monthly
benefit equal to 60% of your pre-disability earnings to a max-
of $300,000. Guarantee issue is available during the initial
imum of $6,000 a month.
eligibility period for an amount of $150,000.

Spouse: If you buy coverage for yourself, you may also
purchase coverage for your eligible spouse. Benefits for your NOTE:
spouse are available up to a maximum of $150,000 and may not Consider updating your beneficiary designation if you have
exceed 50% of your employee election. If you elect this benefit
had a life change event such as marriage, divorce, the birth
during your initial eligibility period, you will not have to complete
of a child, etc. Call Steve Taylor at (818) 986-5045 for a copy
the health statement, except for amounts that exceed the of the Beneficiary Designation Form if needed.
guarantee issue amount of $25,000.

Child(ren): If you buy coverage for yourself, you may also
purchase coverage for your eligible dependent child(ren).
Benefits for your child(ren) are available in increments of $1,000 Pet Insurance
up to the amount of $10,000 and may not exceed 10% of your
employee election. Coverage limits are based on the age of your United Pet Care (UPC) | Discount Plan
child.
With the United Pet Care (UPC) discount plan, you can re-

duce the cost of your veterinary bills by saving up to 50% on
You may enroll for Voluntary Life insurance anytime during the each veterinary visit for your pet when you visit a contracted
year as long as you provide proof of good health. To provide UPC provider. This plan offers discounts for office visits, pro-
proof of good health, you will be asked to complete a health cedures, medications, and more. With UPC’s program, there
questionnaire and are subject to insurance carrier approval. The
are no deductibles, no claim forms, no exclusions due to pre-
insurance company may approve or decline coverage based on a existing conditions or age, no annual dollar limitations, no
review of your health history.
waiting periods, and no limit on the number of visits annual-
ly. Two discount program options are available through UPC.

10