Life, AD&D and LTD

Provider Information

Our Life, Accidental Death and Dismemberment (AD&D), and Long Term Disability (LTD) coverage are all centralized under one carrier, Mutual of Omaha. All full-time staff are eligible for this coverage with no cost to the employee as premiums are paid by the employer! Beneficiaries for each of the company provide policies are appointment by you and can be changed at any time through ADP. 

Life Insurance

Coverage begins on the first of the month following the completion of 60 days of employment. Employees receive comprehensive coverage based on their assigned class. 

  • Class I - Newly Hired 100% Commissioned Employees (one year or less)

  • Class II - Existing 100% Commissioned Employees 

  • Class III - All other Eligible Employees (which includes a majority of staff)

Life and AD&D Certificate of Coverage Class 1

Life and AD&D Certificate of Coverage Class 2

Life and AD&D Certificate of Coverage Class 3

The value of benefits assigned is as follows:

  • Class I - $150,000.00

  • Class II - 1.25 times annual earnings, not to exceed $500,000

  • Class III - 2.50 times annual earnings, not to exceed $500,000

Accidental Death and Dismemberment Insurance (AD&D)

In addition to Group Life Insurance coverage, we provide full-time employees with additional coverage and protection in the event of accidental death or bodily injury.  AD&D provides a benefit equal to the amount of life insurance and will cover for specified bodily injury losses subject to policy limitations. Coverage begins on the first of the month following the completion of 60 days of employment.

Long-Term Disability (LTD) 

We provide full-time employees with protection against the loss of income due to illness or injury with Long Term Disability benefits through Mutual of Omaha valued at 60%.  In the event you become disabled from an injury or sickness, disability income benefits are provided as a source of income. Employees receive comprehensive coverage based on their assigned class:

  • Commissioned Employees

  • All Other Eligible Employees (which includes a majority of staff)

LTD Certificate of Coverage Class 1

LTD Certificate of Coverage Class 2

LTD Certificate of Coverage Class 3