Death and Disability Plan

Death benefits

How death benefits work

Death benefits protect your eligible survivors from unexpected loss of income if you die. This coverage is provided through the Death and Disability Plan and may include several components, depending on your employment status when you die: active; disabled; or an eligible former plan member. (The Term Life and Accidental Death and Dismemberment Plan is a separate plan and not part of the Death and Disability Plan.)

• Salary continuation benefit
  
• Lump-sum death benefit
• Children's education benefit
• Living needs benefit
  
• Supplemental death benefits coverage

Disability benefits

Disability benefits coverage

Disability benefits provide a monthly income and continued benefits coverage if you are sick or injured and unable to work. Generally, the monthly disability benefit is equal to 70% of your effective salary or of the median effective salary, whichever is greater up to the IRS compensation limit. Your initial benefit will not exceed 100% of your pre-disability effective salary. (The Temporary Disability Plan and Long-Term Disability Plan are separate plans and not part of the Death and Disability Plan.)