Life and AD&D

Most employers design their plans with a provision to protect the employee
and/or their family in the event of Accidental Death or Dismemberment
(AD&D). Employers often provide basic coverage as a factor of the employees
salary, (example: 2x the employees salary in the event of death or total
paralysis) with additional coverage available should the employee chose to
purchase it. Each employee benefit plan should include a chart that identifies
what coverage is available and the associated cost.

Long-term disability
Long-term disability is an income-replacement provision. This is one
provision that cannot be purchased through a spousal plan. Employees are
asked to pay the total cost of the premiums in order to receive a tax-free
payment should they be unable to work. Long-term disability coverage is
applied for when an employee is unable to complete a certain percentage of
the essential duties of their role due to illness on an ongoing basis. The
structure of each plan can differ slightly, so understanding what you are trying
to achieve with this program including elimination periods and termination
options, is critical at the outset.