Life Insurance & Long-Term Disability

Life & Accident Insurance

	Basic Life & Accident Insurance	Buy-up Life Insurance¹
Availability	Associates working 15+ hours per week	Full-time associates working 30+ hours per week
Coverage	1x your annual salary² Maximum benefit: $750,000	Up to 2x your annual salary² Maximum benefit: $750,000
Who Pays for Coverage	Blue Cross	You pay the difference between Blue Cross' paid 1x salary and the additional 1x salary elected

Basic Life & Accident Insurance
Availability Associates working 15+ hours per week
Coverage 1x your annual salary² Maximum benefit: $750,000
Who Pays for Coverage Blue Cross

Basic Life & Accident Insurance

Availability

Associates working 15+ hours per week

Coverage

1x your annual salary²
Maximum benefit: $750,000

Who Pays for Coverage

Blue Cross

Buy-up Life Insurance¹
Availability Full-time associates working 30+ hours per week
Coverage Up to 2x your annual salary² Maximum benefit: $750,000
Who Pays for Coverage You pay the difference between Blue Cross' paid 1x salary and the additional 1x salary elected

Buy-up Life Insurance¹

Availability

Full-time associates working 30+ hours per week

Coverage

Up to 2x your annual salary²
Maximum benefit: $750,000

Who Pays for Coverage

You pay the difference between Blue Cross' paid 1x salary and the additional 1x salary elected

Long-Term Disability (LTD)

	Basic Coverage	Buy-up Coverage
Availability	Associates regularly scheduled to work at least 30 hours per week and who have completed 90 days of employment	Associates regularly scheduled to work at least 30 hours per week and who have completed 90 days of employment
Coverage	Replaces 60% of your monthly salary² Monthly maximum: $12,500	Replaces 66 2/3% of your monthly salary² Monthly maximum: $12,500
Who Pays for Coverage	Blue Cross pays for coverage that replaces 60% of your monthly salary,² up to a maximum monthly benefit of $12,500	You pay for coverage if you wish to purchase additional coverage to replace 66 2/3% of your monthly salary,² up to a monthly maximum benefit of $12,500 (i.e., you pay for the additional 6 2/3% coverage cost)
Maximum Benefit Period	Begins after you've been absent from work due to disability for 180 days (including the 1-week elimination period and the 25-week STD period) Benefits continue for the duration of your disability or until age 65, whichever is sooner (possibly later if you become disabled after age 63)	Begins after you've been absent from work due to disability for 180 days (including the 1-week elimination period and the 25-week STD period) Benefits continue for the duration of your disability or until age 65, whichever is sooner (possibly later if you become disabled after age 63)

Basic Coverage
Availability Associates regularly scheduled to work at least 30 hours per week and who have completed 90 days of employment
Coverage Replaces 60% of your monthly salary² Monthly maximum: $12,500
Who Pays for Coverage Blue Cross pays for coverage that replaces 60% of your monthly salary,² up to a maximum monthly benefit of $12,500
Maximum Benefit Period Begins after you've been absent from work due to disability for 180 days (including the 1-week elimination period and the 25-week STD period) Benefits continue for the duration of your disability or until age 65, whichever is sooner (possibly later if you become disabled after age 63)

Basic Coverage

Availability

Associates regularly scheduled to work at least 30 hours per week and who have completed 90 days of employment

Coverage

Replaces 60% of your monthly salary²
Monthly maximum: $12,500

Who Pays for Coverage

Blue Cross pays for coverage that replaces 60% of your monthly salary,² up to a maximum monthly benefit of $12,500

Maximum Benefit Period

Begins after you've been absent from work due to disability for 180 days (including the 1-week elimination period and the 25-week STD period)

Benefits continue for the duration of your disability or until age 65, whichever is sooner (possibly later if you become disabled after age 63)

Buy-up Coverage
Availability Associates regularly scheduled to work at least 30 hours per week and who have completed 90 days of employment
Coverage Replaces 66 2/3% of your monthly salary² Monthly maximum: $12,500
Who Pays for Coverage You pay for coverage if you wish to purchase additional coverage to replace 66 2/3% of your monthly salary,² up to a monthly maximum benefits of $12,500 (i.e., you pay for the additional 6 2/3% coverage cost)
Maximum Benefit Period Begins after you've been absent from work due to disability for 180 days (including the 1-week elimination period and the 25-week STD period) Benefits continue for the duration of your disability or until age 65, whichever is sooner (possibly later if you become disabled after age 63)

Buy-up Coverage

Availability

Associates regularly scheduled to work at least 30 hours per week and who have completed 90 days of employment

Coverage

Replaces 66 2/3% of your monthly salary²
Monthly maximum: $12,500

Who Pays for Coverage

You pay for coverage if you wish to purchase additional coverage to replace 66 2/3% of your monthly salary,² up to a monthly maximum benefits of $12,500 (i.e., you pay for the additional 6 2/3% coverage cost)

Maximum Benefit Period

Begins after you've been absent from work due to disability for 180 days (including the 1-week elimination period and the 25-week STD period)

Benefits continue for the duration of your disability or until age 65, whichever is sooner (possibly later if you become disabled after age 63)

1. The buy-up life insurance option requires completion of Evidence of Insurability (EOI) and approval from the life insurance carrier, USAble. The USAble EOI form can be found on Workday®''.

2. Salary = Benefits Base Rate, your annual base salary plus annual targeted sales bonus (where applicable).