Employer Paid Benefits
To enroll, follow the additional instructions at the bottom of the page.
Basic Life and AD&D Insurance
Viega provides basic life and AD&D insurance to all benefits-eligible employees AT NO COST. You have the option to purchase supplemental life insurance.
BASIC LIFE AND AD&D INSURANCE
Viega automatically provides basic life and AD&D insurance through Unum to all benefitseligible
employees AT NO COST. If you die as a result of an accident, your beneficiary would receive both the life benefit and the AD&D benefit. Benefits will reduce to 65% at age 65, 50% at age 70, and 35% at age 75.
Please be sure to keep your beneficiary designations up to date.
- Non-exempt employees life and benefit: 1x annual base salary up to $50,000
- Exempt employees life and AD&D benefit: 2x annual base salary up to $425,000
Depending on your personal situation, basic life and AD&D insurance might not be enough coverage for your needs. To protect those who depend on you for financial security, you may want to purchase supplemental coverage.
SUPPLEMENTAL LIFE INSURANCE
Viega provides you the option to purchase supplemental life insurance for yourself, your
spouse, and your dependent children through Unum.
You must purchase supplemental coverage for yourself in order to purchase coverage for
your spouse and/or dependents. Supplemental life rates are age-banded. Benefits will
reduce to 65% at age 65, 50% at age 70, and 35% at age 75.
- Employee: $10,000 increments up to $500,000 or 5x annual salary, whichever is less—guarantee issue: $180,000
- Spouse: $5,000 increments up to $250,000—guarantee issue: $25,000
- Dependent children: $2,5000, $5,000, or $10,000—guarantee issue: $10,000
If you elect supplemental coverage when you’re first eligible to enroll, you may purchase
up to the guarantee issue amount(s) without completing a statement of health (evidence of
insurability). If you do not enroll when first eligible, and choose to enroll during a subsequent
annual open enrollment period, you will be required to submit evidence of insurability for
any amount of coverage. Coverage will not take effect until approved by Unum. If employees
elect any level of coverage for supplemental life under the guarantee issue and then elect to
increase to the guarantee issues for 2021, they will not be subject to EOI.
DISABILITY INSURANCE
Disability insurance is designed to help you meet your financial needs if you become unable to work due to an illness or injury.
SHORT-TERM DISABILITY INSURANCE
Short-term disability (STD) insurance is designed to help you meet your financial needs if you become unable to work due to an illness or injury. Benefits will be reduced by other income, including state-mandated STD plans.
Basic STD Insurance
Viega automatically provides basic short-term disability (STD) insurance through Unum to all employees AT NO COST.
- Benefit: 60% of weekly earnings up to $1,500 per week.
- Elimination period: 14 days
- Benefit duration: Up to 24 weeks
- Pre-existing condition limitation: A disability caused by a condition treated less than three months before coverage is effective, will not be covered until you have been covered under the plan for 12 months
LONG-TERM DISABILITY INSURANCE
Long-term disability (LTD) insurance is designed to help you meet your financial needs if your disability extends beyond the STD period.
Basic LTD Insurance
Viega automatically provides long-term disability (LTD) insurance through Unum to all full-time benefits-eligible employees AT NO COST.
Non-Exempt Employees
- Benefit: 50% of monthly earnings up to $3,500 per month
- Elimination period: 180 days
- Benefit duration: Social security normal retirement age
- Pre-existing condition limitation: A condition treated less than three months before coverage is effective, will not be covered until you have been covered under the plan for 12 months
Exempt Employees
- Benefits: 60% of monthly earnings up to $10,000 per month
- Elimination period: 180 days
- Benefit duration: Social security normal retirement age
- Pre-existing condition limitation: A condition treated less than three months before coverage is effective, will not be covered until you have been covered under the plan for 12 months
Supplemental LTD Insurance
You have the option to purchase supplemental LTD coverage through Unum for added financial protection. Supplemental coverage increases your LTD benefit to 60% of your monthly earnings up to $10,000 per month.
EMPLOYEE ASSISTANCE PROGRAMS
Employee assistance program (EAP) services are provided to you and your household members AT NO COST through Unum.
This is a confidential program available 24 hours a day, seven days a week, to help you and your family members handle the stresses involved with everyday issues and/or crisis situations.
- The services are accessible through toll-free phone calls and online access.
- Each member can receive up to three free face-to-face counseling sessions, per incident, per year.
- No personal information is ever shared with Viega.