SHORT TERM DISABILITY

Short Term Disability

SANS provides all employees working 20 or more hours per week Short Term Disability insurance at no cost

You become eligible on the first day of the month following your date of hire

Disability insurance is a plan designed to provide partial income replacement coverage to eligible employees who become disabled and are unable to work due to an illness or injury

Benefit

ShortTerm Disability Details

The maximum benefit amount is 60% of your gross weekly earnings, up to a maximum of $2,300 The maximum benefit period is 13 weeks Benefits begin after the end of the elimination period. The elimination period begins on the day you become disabled and is the length of time you must wait, while disabled, before you are eligible to receive a benefit. The elimination period is 0 days for an accident and 7 days for sickness

SUPPLEMENTAL LIFE & AD&D

Supplemental Life

Life insurance is a plan that pays out a cash sum to a designated beneficiary (beneficiaries) in the event of the covered person’s death

This plan’s purpose is to provide economic security for one’s family should the covered person pass away

For 2021 only: if you did not previously enroll in Supplemental Life and AD&D you (and your spouse) can enroll up to the guaranteed issued amount with no medical underwriting (i.e. Statement of Health)

Benefit

Supplemental Life Insurance and AD&D

Spouse Supplemental Life Insurance

Dependent Supplemental Life Insurance

Other Benefits Details

Buy in $10,000 increments To a maximum of 5 times your pay or $500,000 Guaranteed Issue Amount- $100,000

Buy in $5,000 increments To a maximum of $100,000 or 50% of the employee's election Guaranteed Issue Amount- $25,000 Buy $10,000 on all children Children 15 Days to 6 months get $1,000 of coverage Children 6 months or older get $10,000 of coverage Child age limit: 19 or 23 if a full-time student (must have documentation in ADP showing student status) Guaranteed Issue Amount- $10,000 Conversion & Portability Accelerated Benefit Option- if you have 12 months or less to live you can request up to 80% of your insured coverage while living Will Preparation, Estate Resolution Services & Travel Assistance

When is a Statement of Health (SOH) needed?

If you want to purchase more than $100,000 of coverage for yourself or $25,000 for your spouse, a Statement of Health is required. You can find the Statement of Health form on ADP or you can click here. The completed Statement of Health must be submitted as per the instructions on the form. You must be approved for any amounts over the Medical Evidence Level, if you do not submit the Statement of Health or are declined you will get $100,000 of coverage on yourself or $25,000 on your spouse.

SUPPLEMENTAL LIFE & AD&D

Supplemental Life

Below are the Life & AD&D rates per $1,000 of coverage by your age Rates for your age will only change each year on January 1st if you “age up” into a new age band We have also provided several example calculations should you choose one of the below coverage levels

Employee

Less than 30 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65-69 70+

Spouse

Less than 30 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65-69 70+

Life & AD&D Rates Per $1,000

$0.063 $0.067 $0.082 $0.110 $0.163 $0.247 $0.377 $0.571 $0.955 $1.781

Life & AD&D Rates Per $1,000

$0.064 $0.068 $0.083 $0.111 $0.164 $0.248 $0.378 $0.572 $0.956 $1.782

$10,000

$0.63 $0.67 $0.82 $1.10 $1.63 $2.47 $3.77 $5.71 $9.55 $17.81

$5,000

$0.32 $0.34 $0.42 $0.56 $0.82 $1.24 $1.89 $2.86 $4.78 $8.91

Child Life AD&D Rate per $1,000 $10,000

Per Unit $0.293 $2.93 *Child(ren) rates are per child unit, a unit may consist of more than one child

$50,000

$3.15 $3.35 $4.10 $5.50 $8.15 $12.35 $18.85 $28.55 $47.75 $89.05

$10,000

$0.64 $0.68 $0.83 $1.11 $1.64 $2.48 $3.78 $5.72 $9.56 $17.82

$100,000

$6.30 $6.70 $8.20 $11.00 $16.30 $24.70 $37.70 $57.10 $95.50 $178.10

$25,000

$1.60 $1.70 $2.08 $2.78 $4.10 $6.20 $9.45 $14.30 $23.90 $44.55

$250,000

$15.75 $16.75 $20.50 $27.50 $40.75 $61.75 $94.25 $142.75 $238.75 $445.25

$50,000

$3.20 $3.40 $4.15 $5.55 $8.20 $12.40 $18.90 $28.60 $47.80 $89.10

$500,000

$31.50 $33.50 $41.00 $55.00 $81.50 $123.50 $188.50 $285.50 $477.50 $890.50

$100,000

$6.40 $6.80 $8.30 $11.10 $16.40 $24.80 $37.80 $57.20 $95.60 $178.20