Life, Accident & Disability

For the unexpected.

Life insurance helps protect your family if you were to pass away. Without enough life insurance, many families have to reduce their standard of living after the loss of an income. Consider your current and future financial needs when evaluating how much coverage you need.

Make sure that you have named a beneficiary for your life insurance benefit, and update it if your family or marital status changes.

Basic Life and AD&D

Company-provided

Basic Life Insurance pays your beneficiary a lump sum if you were to pass away. AD&D (Accidental Death & Dismemberment) provides another layer of benefits to either you or your beneficiary if you suffer from loss of a limb, speech, sight, hearing, or if you have a fatal accident. The cost of coverage is paid in full by Snowflake.

Prudential Basic Life and AD&D
Basic Life	2x Salary up to $1,000,000
Basic AD&D	2x Salary up to $1,000,000

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Voluntary Life and AD&D

Voluntary purchase

Voluntary Life and AD&D Insurance allows you to purchase additional protection for your family’s financial security. Coverage is available for yourself, your spouse/domestic partner and/or child(ren). In order to purchase coverage for your dependents, you must purchase coverage for yourself.

Prudential Voluntary Life and AD&D
Employee	For both Life and AD&D, you may purchase increments of $10,000 up to lesser of 5x covered annual earnings or $500,000. Guaranteed Issue* is $300,000 for Life Insurance.
Spouse/Domestic Partner	Life: Increments of $5,000 up to lesser of 50% of employee amount or $250,000. Guaranteed Issue is $25,000. AD&D: $5,000 increments to a max of $250,000.
Child(ren)	For both Life and AD&D, you may purchase increments of $10,000. Guaranteed Issue is $10,000.

*Guaranteed Issue = the amount of coverage you can purchase as a new hire or newly eligible dependent without having to provide evidence of good health, also known as Evidence of Insurability (EOI). If you select coverage above the Guaranteed Issue amount you will need to submit an Evidence of Insurability form with additional information about your health in order for Prudential to approve a higher amount of coverage.

Short-Term Disability (STD)

If there comes a time when you are unable to work due to an illness or injury, our Disability Insurance plans will help replace part of your pay, so you and your family can have peace of mind with a continuing income.

STD coverage pays a benefit if you temporarily cannot work because of an injury, illness, or pregnancy. Our short-term disability and leave of absence programs are managed by The Larkin Company.

Larkin STD
California Voluntary Disability Insurance (VDI)	You will receive 70% income replacement, up to a weekly maximum of $3,500 for up to 180 days. If your disability extends beyond 180 days, your benefit will be reduced to 60% income replacement, up to a weekly maximum of $1,540. At that time you will also apply for Long-Term Disability benefits.
Snowflake Short-Term Disability Insurance (all non-California employees)	You will receive 70% income replacement, up to a weekly maximum of $3,500 for up to 180 days. If your disability extends beyond 180 days, you will apply for Long-Term Disability benefits.

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Long-Term Disability (LTD)

LTD coverage replaces part of your monthly income if your illness or injury causes you to be unable to work for more than 180 days.

Prudential LTD
Monthly benefit amount	60% of salary, up to a maximum of $25,000
Benefits begin	On the 181st day of disability
Maximum payment period	The benefit will pay for up to two years if you are disabled from your own occupation. If you are permanently disabled from any occupation, the benefit will pay until the Social Security normal retirement age.