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Life Insurance/Accidental Death and Dismemberment (AD&D)

Basic Coverage

The basic life plan provides a benefit of 1.5 times your annual earnings with a minimum benefit of $50,000 and a maximum benefit of $200,000. The benefit is reduced once you reach age 70.

The basic AD&D pays an additional benefit, equal to your basic life insurance amount (up to 2 times your annual earnings), if you die as a result of a covered accident. Benefits are also payable if you suffer certain severe injuries in an accident, including loss of limb, loss of sight or paralysis.

As a benefits eligible employee, you will receive a basic life insurance and basic AD&D insurance plan. Whitworth pays the full cost of these plans, which are insured by Prudential.

Optional Coverage

You may purchase optional life insurance along with AD&D up to a maximum benefit of five times your annual earnings or $500,000 – whichever is less. You will pay the full cost of this coverage through after-tax payroll deductions. Note: You may be required to go through underwriting. Contact HR for more details.

Coverage for Your Family

In addition to buying extra life insurance coverage for yourself, you may purchase life insurance for your spouse and/or dependent children.

You may only purchase coverage for your family members if you purchase coverage for yourself under the optional life insurance plan. You will pay the full cost of your family members’ coverage through after-tax payroll deductions.

A single premium is charged for child coverage regardless of how many children you have.

Long-Term Disability

The LTD plan provides monthly income protection if you become unable to work due to a disabling condition that lasts beyond 90 days. Whitworth pays the cost of your LTD coverage, which is provided through Prudential.

Benefit Amount 60 percent monthly earnings (may be reduced if you receive other disability income)
Max Benefit $7,500 per month
Waiting Period Benefits begin after 90 days of continuous disability

Benefits are paid until your Social Security Retirement Age or until you are no longer disabled; benefits for disabilities related to substance abuse or mental health diseases may be limited.