INCOME PROTECTION BENEFITS

BASIC LIFE AND AD&D

PRUDENTIAL

All full-time employees are automatically enrolled in the Company Paid Basic Life and AD&D Life Insurance coverage. Your policy amounts are 1x your annual base salary (Max $400,000)

Summary of Benefit Coverages

SHORT-TERM DISABILITY (STD)

PRUDENTIAL

All full-time employees are automatically enrolled in a Company Paid Short-Term Disability plan. This policy provides income replacement should you miss work more than 7 consecutive days due to an injury or sickness.

Summary of Benefit Coverages

LONG-TERM DISABILITY

PRUDENTIAL

Similar to Short-Term Disability, Long-Term Disability is offered at no cost to full-time employees. These benefits help replace income for those disabled longer than the short-term disability period.

Summary of Benefit Coverages

LONG-TERM CARE

INSURANCE

HL offers full-time employees the opportunity to enroll in Long-Term Care Insurance. This insurance pays for care that an individual needs when they cannot safely care for themselves, whether that care is received at home, in the community, or in a nursing home.

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Summary of Benefit Coverages

VOLUNTARY LIFE AND AD&D

PRUDENTIAL

Full-time employees can purchase additional Life and AD&D insurance for themselves, their spouse, and their child(ren) during Open Enrollment and as new hires. Coverage must be elected for yourself in order to cover spouses and child(ren).

Voluntary Life Insurance

  • You can elect Life Insurance in increments of $10,000 with a maximum of $500,000.
  • Any elected amounts over $150,000 would require you to complete an Evidence of Insurability (medical survey) with Prudential.
Summary of Benefit Coverages
Costs

Voluntary Spouse Life Insurance

  • You can elect Life Insurance in increments of $5,000 with a maximum of $250,000.
  • Any elected amounts over $50,000 would require your spouse to complete an Evidence of Insurability (medical survey) with Prudential.
Summary of Benefit Coverages
Costs

Child(ren) Life Insurance

  • You can elect life insurance for your children under age 26 in increments of $1,000 to a maximum of $10,000.
Summary of Benefit Coverages
Costs

Supplemental Plans

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