Heritage provides Company-paid life and accidental death and dismemberment (AD&D) insurance at no cost to you. This coverage provides a benefit in the event of death or injury. You also have the option to purchase additional coverage for added financial protection.
| Basic Life and AD&D | One time base pay up to $100,000 |
| Buy-Up Life and AD&D | Up to $500,000 |
See Employee Contributions for details on what buy-up coverage costs.
Heritage provides Company-paid disability insurance at no cost to you.
Short-Term Disability (STD)
The Company pays for short-term disability (STD) coverage in the event you become sick or injured and are unable to work. The benefit pays 60% of wages up to $1,500/week, for up to 13 weeks. There is a seven-day waiting period before STD benefits take effect.
Long-Term Disability (LTD)
The Company pays for long-term disability (LTD) coverage in the event you become sick or injured and are unable to work for an extended period of time. The benefit pays 60% of wages up to $7,500/month, for up to the Social Security normal retirement age for eligible disabilities.