Life and Disability Benefits

Life/Accidental Death and Dismemberment (AD&D) and disability benefits are provided through Unum.

Basic Life and AD&D

  • Basic Life:  2x annual base salary

  • Basic AD&D:  2x annual base salary

  • Plan Maximum: $425,000

  • 100% paid by Enjoy

Voluntary Dependent Life/AD&D

  • Spouse Benefit  : Increments of $5,000 up to $300,000

  • Spouse Guaranteed Issue: $50,000

  • Child Benefit  : $5,000 or $10,000 (birth to 14 days - $0; 14 days to 6 months - $500)

  • 100% paid by you through payroll deductions

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Employee Voluntary Life/AD&D

  • Employee Benefit: Increments of $10,000 up to lesser of 5x annual base earnings or $600,000

  • Guaranteed Issue: $300,000

  • 100% paid by you through payroll deductions

Short-Term Disability

  • 66.67% of weekly salary

  • Waiting period: 8 days

  • Maximum weekly benefit: $2,500

  • Maximum benefit period: 12 weeks

  • 100% paid by Enjoy

Long-Term Disability

  • 66.67% of monthly base salary

  • Waiting period: 90 days

  • Maximum monthly benefit: $10,000

  • 100% paid by Enjoy

   Employee must elect employee voluntary benefits to elect voluntary benefits for spouse and child(ren). In addition, spouse voluntary life amount cannot exceed 100% of the employee's voluntary life amount.

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Evidence of Insurability Process for

Voluntary Life Benefits

EOI, also known as “evidence of good health” is the process by which Unum determines if you are healthy enough to be considered eligible for the amount of insurance coverage for which you are seeking. You need to complete an EOI form in the following situations:

  • You decline to purchase the coverage during this Open Enrollment when the plan is first made available to you, and then you decide to purchase it later

  • You want to increase existing coverage

  • You want to increase the coverage amount higher than the Guaranteed Issue (please note that dependent children are not required to submit Evidence of Insurability). 

Evidence of Insurability (EOI)

Decision

After Unum reviews your EOI form, Unum will make the decision:

  • Approved: Your coverage will go into effect on the date of approval (you will not be billed for coverage through payroll deductions until the 1st of the month following this date)

  • Pended: Unum needs more information from you before they will make a decision, and they will be in touch with you to ask you for the information

  • Denied: Your request is denied by Unum. If you would like your application reconsidered, you may submit supporting documentation to Unum which will be outlined in the letter you receive.