LIFE INSURANCE
Life Insurance coverage is provided to all regular full time employees.

DISABILITY
Short Term Disability Insurance begins the first day of the month following 90 days of regular full time employment at no cost to the employee. The benefit pays a percentage of salary for 6 months.

After the short term disability is exhausted there is a long term disability benefit which continues to pay a percentage of salary to age 65. When an individual is eligible for social security, the benefit is reduced by social security.