Life & Disability

Life and Accidental Death and Dismemberment (AD&D) insurance, through Standard Insurance Company, and Disability insurance, through Reliance Standard/Matrix, provide financial security to you and your family if you pass away, become seriously injured, or experience an illness or injury that prevents you from working.

Basic Life and Accidental Death & Dismemberment (AD&D)

As an eligible employee, you receive Basic Life and AD&D insurance equal to 2 times your base annual salary up to a maximum of $1,000,000. The company provides Basic Life and AD&D at NO COST to you.

You may choose anyone to be the beneficiary of your Life and AD&D policies. Review your beneficiary designation periodically to make sure it reflects your current wishes. You can change your beneficiary at any time by logging in to MyADP at myadp.com.

Supplemental Life and AD&D

In addition to Basic Life and AD&D, you may purchase Supplemental Life and AD&D coverage at discounted rates. The chart below describes the Supplemental Life coverage you can buy for yourself, your spouse, and your child(ren). For Supplemental AD&D, you may purchase up to $1,000,000 in additional coverage in increments of $50,000.

Business Travel Accident

You are covered up to $300,000 for emergency health services related to an accident or illness while on business travel.
This protection extends to your traveling spouse and unmarried dependent children, while on a business trip or business
sojourn (leisure trip directly connected before, after, or during a business trip) when outside your home country.

Additionally, you are also covered for AD&D up to 3x your annual base salary.

Short-Term Disability (STD)

STD coverage provides you with a portion of income replacement if you are unable to work due to a non-occupational illness or injury. You are automatically enrolled in the STD core plan at NO COST to you. You may elect to enroll in an STD buy-up plan as a supplement to the STD core plan. STD buy-up premiums are payroll deducted. Benefits are available after a 7-day elimination period.

Long-Term Disability (LTD)

LTD coverage pays you a portion of your earnings if you cannot work for an extended time due to a disabling illness or injury. You are automatically enrolled in the core LTD plan at NO COST to you. An LTD buy-up plan is also available. Benefits are available after a 180-day elimination period.