INCOME REPLACEMENT

These plans provide replacement income to you or your beneficiaries in the event of an accident or death.

Eligibility: Full time employees only.


Carrier Guardian Guardian
Plan Life / AD&D Long Term Disability Voluntary Life
Coverage Flat $50,000 60% of monthly salary Employee: $10,000, $25,000, $50,000,
$75,000, $100,000, $125,000, $150,000
Spouse: 50% of employees amount to a
maximum of $75,000
Child (14 days to 23 years): 10% of the
employees amount to a maximum of
$10,000
Maximum
benefit
$50,000 $10,000 / month Employee: Ages 65-69, $10,000. Ages 70+,
evidence of insurability is required for all
amounts
Spouse: Ages 15-64, $25,000. Ages 65+,
$5,000
Child: Evidence of insurability required for
all amounts
Elimination
period
N/A 90 days N/A

WORK LIFE MATTERS EMPLOYEE ASSISTANCE PROGRAM
This plan offers assistance with counseling and referrals for problems that may affect your personal life or job
performance. Examples of situations include marriage, relationships, alcohol, emotional/stress related, financial, legal and
child care.

Website www.ibhworklife.com
User name Matters
Password wlm70101


FLEXIBLE SPENDING ACCOUNT- FLEX PLAN SERVICES
Pay for out-of-pocket medical, dental, vision, and dependent care expenses with pre-tax dollars through Flexible Spending
Accounts.

General and Limited Purpose www.flex-plan.com
Health Care Spending Account $2,500 Annual Maximum
Dependent Care Spending Account $5,000 ($2,500 if married, filing separately) Annual Maximum