Life & Disability Insurance

Life Insurance

Group life and accidental death and dismemberment insurance is available to all full-time employees without cost to the employee. The amount of life insurance equals twice the employee’s basic annual compensation through the fiscal year in which age 65 is attained and then is reduced for employees who continue to work beyond age 65. The accidental death and dismemberment component of the coverage provides an additional death benefit equal to the group life benefit. 

IWU Life Insurance Certificate

 

Long Term Disability

The long-term total disability program begins on the first day of the month after six months of continuous disability and extends to at least age 65 for sickness and accident. The amount of the benefit is 60% of an employee's monthly salary base at the time the disability occurs, ranging from a minimum of $100/month to a maximum of $12,000/month, less the sum of benefits from other sources.

Long Term Disability Certificate

 

Short Term Disability

The short-term disability program begins on the 31st day of continuous disability and provides monthly income for a period up to 22 weeks amounting to 70% of current base compensation.

Short Term Disability Certificate

Short Term Disability Claim Form

 

Voluntary Accidental Death & Dismemberment Insurance

Employees are eligible to secure additional accidental death and dismemberment insurance through this group plan. An employee may enroll as an individual, or as a family with spouse and/or eligible dependents. Payment is by monthly payroll deduction.

Certificate of Insurance

Summary and Enrollment Form