2022 Ensign Benefits Guide

23 Supplemental Accidental Death & Dismemberment (AD&D) Insurance You have the option to purchase supplemental AD&D insurance for yourself, your spouse and your children. Benefits are paid in the event of death or a serious injury (such as loss of a limb or eyesight) due to an accident. Evidence of Insurability is not required. You pay the full cost of supplemental AD&D coverage through after-tax payroll deductions. For more information, go to www.ensignbenefits.com/financial-protection/life-and-add-insurance. Voluntary Long-Term Disability Insurance provides financial protection if you are unable to work for an extended period of time due to a covered injury or sickness. You choose the elimination period (number of days of disability before benefits begin, either 180 or 360). Pre-existing conditions and other limitations and exclusions apply. For more information, go to www.ensignbenefits.com/financial-protection/disability. LTD benefits may be reduced by other sources of income such as Social Security disability or retirement benefits, workers’ compensation, state disability benefits and similar programs. The schedule of benefits includes a full list of covered injuries and expenses. Coverage begins on the first of the month in which you have your first payroll deduction for premiums. Voluntary Long-Term Disability Insurance Coverage For Coverage Amount Maximum Employee $10,000 to $500,000 in $10,000 increments Lesser of $500,000 or 5X annual earnings Spouse $5,000 to $250,000 in $5,000 increments Lesser of $250,000 or 100% of your combined Basic and Supplemental coverage Child(ren) $2,000 to $10,000 in $2,000 increments $10,000 Coverage For Elimination Period Coverage Amount Maximum Employee 180 days or 360 days 60% of monthly pre-disability income reduced by other disability benefits $10,000 per month Keep Your Beneficiaries Up To Date Review your beneficiaries periodically and keep them up to date to ensure any life insurance benefits go to the loved ones you intend.

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