Disability, Group Life, and AD&D Coverage This coverage helps maintain financial stability, covering essential expenses such as rent, mortgage payments, utilities, and daily living costs. By securing disability insurance, you can focus on recovery without the added stress of lost wages, giving you and your loved ones peace of mind during difficult times. $20,000 benefit at no cost to eligible employees Spouse coverage of $7,500 and child coverage of $2,000 (under 6 months) or $7,500 (6 months and older) for a small fee of $0.45 per pay (one fee for all children) Group Life and AD&D Replaces 65% of weekly salary, up to a $1,200 max benefit Benefits start on day 7 for illness or injury Coverage lasts up to 14 weeks Pre-existing condition clause applies within 3 months before enrollment and the first 6 months on the plan Voluntary Short-Term Disability