Employer Paid Life and Disability
Life and AD&D Benefits
WEST’s comprehensive benefits package includes financial protection for you and your
family in the event of an accident or death.
Basic Life and AD&D Insurance
WEST automatically provides basic life and AD&D insurance through The Standard to all benefits-eligible 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. Please be sure to keep your beneficiary designations up to date.
- Employee life benefit: 1x annual earnings to $200,000 maximum
- Employee AD&D benefit: 1x annual earnings to $200,000 maximum
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.
Use the calculator at standard.com to find the right amount for you.
Disability Benefits
Disability insurance keeps you and your family financially protected if you become unable to work due to an illness or injury.
Long-Term Disability Insurance
WEST automatically provides long-term disability (LTD) insurance through The Standard to all benefits-eligible employees AT NO COST. LTD insurance is designed to help you meet your financial needs if you become unable to work due to illness or injury.
- Benefit: 60% of base monthly pay up to $10,000
- Elimination period: 90 days
- Benefit duration: Social security normal retirement age
- Pre-existing condition exclusion: 3/12; benefits will not be paid for any disability for which you received medical treatment, care, or consultation for during the 3 months preceding your effective date until you have been covered under the policy for 12 months.
Disability insurance is an important part of your benefits coverage. You may use disability benefits to pay for your necessary expenses while you are unable to work, such as mortgage payments, medical expenses, childcare, and more. If you are enrolled and become unable to work due to an accident, illness, or injury, you must apply for benefits as soon as you are able after your event. Please notify The Standard as soon as possible to ensure you qualify for coverage and receive timely payouts.
Disability Benefits
WEST provides resources and tools through The Standard to support you and your family.
Services to Help You Now
Visit the Life Services Toolkit website at standard.com/mytoolkit and enter username: assurance for information and tools to help you make important life decisions.
- Estate planning assistance: Online tools walk you through the steps to prepare a will and create other documents, such as living wills, powers of attorney, and advance directives.
- Financial planning: Consult online services to help you manage debt, calculate mortgage and loan payments, and take care of other financial matters with confidence.
- Health and wellness: Timely articles about nutrition, stress management, and wellness help you and your family lead healthy lives.
- Identity theft prevention: Check the website for ways to thwart identity thieves and resolve issues if identity theft occurs.
- Funeral arrangements: Use the website for guidance on how to begin, to educate yourself on funeral costs, find funeral-related services and make decisions about funeral arrangements in advance.
Services for Your Beneficiary
Life insurance beneficiaries can access services for 12 months after the beneficiary receives the Life Claim letter from The Standard. Recipients of an Accelerated Death Benefit can access services for 12 months after the date of payment.
These supportive services can help your beneficiary cope after a loss:
- Grief support: Care managers with advanced training are on call to provide confidential grief sessions by phone or in person. Your beneficiaries are eligible for up to six face-to-face sessions.
- Legal services: In addition to online estate planning tools, your beneficiaries can obtain legal assistance from experienced attorneys. They can schedule an initial office visit or a telephone consultation for up to 30 minutes with a network attorney.
- Financial assistance: Your beneficiaries can schedule up to 30-minute telephone sessions with financial counselors who can help with issues such as budgeting strategies, and credit and debt management.
- Support services: During an emotional time, your beneficiaries can receive help planning a funeral or memorial service. WorkLife advisors can guide them to resources to help manage household repairs and chores, find child care and elder care providers or organize a move or relocation.
- Online resources: Your beneficiaries can easily access additional services and features on the Life Services Toolkit website for beneficiaries, including online resources about funeral costs, find funeral-related services, and make decisions about funeral arrangements.