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Life, AD&D and Disability

Protect you and your family with income replacement benefits in the event of an illness or disability!

Overview

Fisher partners with The Standard to provide enhanced coverage, easier access, and more personalized support for U.S. employees and their Life, AD&D and Disability policies. Whether you’re planning for the unexpected or protecting what matters most, now is the time to review your coverage and make important updates!

View our FAQ to get your questions answered.


Resources

Premiums and Coverage Details

Click on the resources below to learn about the specific coverages:

Life Insurance

Life insurance helps you protect your family members financially in the event of your death. The benefits can help pay for funeral costs, mortgage payments, medical costs and other expenses. WA and CA employees also have the option to apply for an employee-paid life insurance policy with a long-term care (LTC) rider through Trustmark with coverage options ranging between $25,000 to $300,000. The LTC rider is an insurance policy that allows you additional access to a monthly portion of the policy to pay towards eligible long-term care expenses. You may be required to complete a short health questionnaire when electing or updating coverage.

Lady smiling and laughing talking to another woman

Through The Standard, you can choose a coverage amount between $10,000 and $1,500,000. When applying during an initial enrollment period, the first $250,000 in coverage is guaranteed, meaning you don't need to provide medical history (evidence of insurability) to be approved for this amount. If you choose any amount over $250,000, you must provide evidence of insurability and it is subject to The Standard's approval.

Beyond the Initial Enrollment Period

When you apply for coverage out of the initial enrollment period, the amount you choose will be subject to evidence of insurability. You will pay 100% of the cost of coverage (premium amount), which varies based on your age and coverage amount selected.

Long-Term Care

You also have the option for life insurance with a  long-term care (LTC) rider through Trustmark with coverage options ranging between $25,000 to $300,000. The LTC rider is an insurance policy that allows you additional access to a monthly portion of the policy to pay towards eligible long-term care expenses.

The plan through Trustmark is only available for CA and WA based employees at this time. Employees may be required to complete a short health questionnaire when electing or updating coverage. You will pay 100% of the coverage (premium amount), which varies based on your age and the coverage amount selected.

Through The Standard, you can choose a life insurance coverage amount for your spouse/domestic partner between $5,000 and $750,000 (or 50% of your coverage, whichever is less). When applying during an initial enrollment period, the first $30,000 in coverage is guaranteed, meaning you don't need to provide medical history (evidence of insurability) to be approved for this amount. If you choose any amount over $30,000, you must provide evidence of insurability and it is subject to The Standard's approval.

Beyond the Initial Enrollment Period

When you apply for coverage out of the initial enrollment period, the amount you choose will be subject to evidence of insurability. You will pay 100% of the cost of coverage (premium amount), which varies based on your age and coverage amount selected.

Long-Term Care

You also have the option for life insurance with a  long-term care (LTC) rider through Trustmark for your spouse/domestic with coverage options ranging between $25,000 to $300,000. The LTC rider is an insurance policy that allows you additional access to a monthly portion of the policy to pay towards eligible long-term care expenses.

The plan through Trustmark is only available for CA and WA based employees at this time. You may be required to complete a short health questionnaire when electing or updating coverage. You will pay 100% of the coverage (premium amount), which varies based on your age and the coverage amount selected.

  • Lady smiling and laughing talking to another woman

    Through The Standard, you can choose a coverage amount between $10,000 and $1,500,000. When applying during an initial enrollment period, the first $250,000 in coverage is guaranteed, meaning you don't need to provide medical history (evidence of insurability) to be approved for this amount. If you choose any amount over $250,000, you must provide evidence of insurability and it is subject to The Standard's approval.

    Beyond the Initial Enrollment Period

    When you apply for coverage out of the initial enrollment period, the amount you choose will be subject to evidence of insurability. You will pay 100% of the cost of coverage (premium amount), which varies based on your age and coverage amount selected.

    Long-Term Care

    You also have the option for life insurance with a  long-term care (LTC) rider through Trustmark with coverage options ranging between $25,000 to $300,000. The LTC rider is an insurance policy that allows you additional access to a monthly portion of the policy to pay towards eligible long-term care expenses.

    The plan through Trustmark is only available for CA and WA based employees at this time. Employees may be required to complete a short health questionnaire when electing or updating coverage. You will pay 100% of the coverage (premium amount), which varies based on your age and the coverage amount selected.

  • Through The Standard, you can choose a life insurance coverage amount for your spouse/domestic partner between $5,000 and $750,000 (or 50% of your coverage, whichever is less). When applying during an initial enrollment period, the first $30,000 in coverage is guaranteed, meaning you don't need to provide medical history (evidence of insurability) to be approved for this amount. If you choose any amount over $30,000, you must provide evidence of insurability and it is subject to The Standard's approval.

    Beyond the Initial Enrollment Period

    When you apply for coverage out of the initial enrollment period, the amount you choose will be subject to evidence of insurability. You will pay 100% of the cost of coverage (premium amount), which varies based on your age and coverage amount selected.

    Long-Term Care

    You also have the option for life insurance with a  long-term care (LTC) rider through Trustmark for your spouse/domestic with coverage options ranging between $25,000 to $300,000. The LTC rider is an insurance policy that allows you additional access to a monthly portion of the policy to pay towards eligible long-term care expenses.

    The plan through Trustmark is only available for CA and WA based employees at this time. You may be required to complete a short health questionnaire when electing or updating coverage. You will pay 100% of the coverage (premium amount), which varies based on your age and the coverage amount selected.

Accidental Death and Dismemberment (AD&D) Insurance

AD&D Insurance provides you and your family with financial protection against any type of accidental death or loss of a limb or body function.

In addition to monetary benefits, AD&D also provides other benefits in the event of an accident, such as childcare and college tuition reimbursement, spousal education and re-training, and more.

Woman at a computer smiling at the camera

Coverage for You

You can choose a coverage amount between $25,000 and $750,000. Because AD&D is based on accidents, no evidence of insurability is required, regardless of the amount elected.

You will pay 100% of the cost of coverage (premium amount) based on the coverage amount selected.

Coverage for Your Spouse or Partner

Coverage for your spouse or domestic partner is available at 50% of the amount of your own coverage, up to a maximum of $375,000. Because AD&D is based on accidents, no evidence of insurability is required, regardless of the amount elected.

You will pay 100% of the cost of coverage (premium amount) based on the coverage amount selected.

  • Woman at a computer smiling at the camera

    Coverage for You

    You can choose a coverage amount between $25,000 and $750,000. Because AD&D is based on accidents, no evidence of insurability is required, regardless of the amount elected.

    You will pay 100% of the cost of coverage (premium amount) based on the coverage amount selected.

  • Coverage for Your Spouse or Partner

    Coverage for your spouse or domestic partner is available at 50% of the amount of your own coverage, up to a maximum of $375,000. Because AD&D is based on accidents, no evidence of insurability is required, regardless of the amount elected.

    You will pay 100% of the cost of coverage (premium amount) based on the coverage amount selected.

Disability Insurance

If you had to miss work for an extended period of time, would you be able to support yourself financially? If not, you may want to consider employee-paid disability insurance. These benefits provide regular monthly income if you become medically disabled due to an injury or illness. There are two types of disability coverage available: short-term and long-term.

Short-term disability benefits start within 8 days of the illness or injury, but are for a limited period of time (up to 13 weeks). Long-term disability benefits start later (90 days after the illness or injury), but may continue until retirement.

  • As a Washington employee, you automatically pay into disability insurance as part of your state taxes. These benefits are limited and will only cover a portion of your pay. To get further details, please visit Washington's Paid Leave website: paidleave.wa.gov.

    By selecting short-term disability insurance, you may receive tax-free benefits to supplement the state disability benefits up to a maximum of 60% of your prior year W-2 income. If you receive more than 60% of your earnings from the state pay, though, you will not receive pay from short-term disability insurance since it cannot pay more than 60%. Additionally, short-term disability insurance will process for each individual disability event when you cannot work that you might have in a year. For example, if you have a disability event for a birth, and then have a disability event later for a car accident, there would be two short-term disability events that year.

    Long-term disability benefits are paid at a rate of 60% of your prior year W-2 income, up to a maximum of $10,000 per month (tax-free), and are offset by other sources of income. The disability benefits will last until age 65 or until you're no longer disabled.

  • As a California employee, you automatically pay into disability insurance as part of your state taxes, but these benefits are not unlimited and only cover a portion of your pay. You can claim these benefits directly through the  Employee Development Department.

    By electing Short-Term Disability Insurance, California residents will receive an additional 20% of their pre-disability W-2 earnings. That’s up to $2,309 per week (tax-free) when you’re medically disabled for more than 7 days, and will continue for up to 13 weeks of a disability.

    Long-term disability benefits are 60% of your W-2 earnings, up to a maximum of $10,000 per month (tax-free), and are offset by other sources of income. The disability benefits will last until age 65 or until you’re no longer disabled.

    You are guaranteed enrollment if you choose the insurance within 31 days of becoming eligible. If you apply outside of the initial enrollment period, you must provide medical history (evidence of insurability) and are subject to The Standard's approval.

  • If you work outside of California and Washington, chances are your state doesn’t provide any type of disability insurance. By electing voluntary Short-Term Disability Insurance, you will receive up to 60% of your pre-disability W-2 earnings. That’s up to $2,309 per week (tax-free) when you’re medically disabled for more than 7 days, and will continue for up to 13 weeks of a disability.

    Long-term disability benefits are 60% of your W-2 earnings, up to a maximum of $10,000 per month (tax-free), and are offset by other sources of income. The disability benefits will last until age 65 or until you’re no longer disabled.

    You are guaranteed enrollment if you choose the insurance within 31 days of becoming eligible. If you apply outside of the initial enrollment period, you must provide medical history (evidence of insurability) and are subject to The Standard's approval.

These fun, educational videos can help demonstrate the importance of life and disability insurance.

Educational Videos & Calculators

Life Insurance Videos

*These calculators can help you assess and determine your needs in 3 simple steps. Your results can be modified at the end should you want to consider alternate scenarios.