Life and Disability Insurance

Basic Life Insurance (Employer Paid)

TLC provides $5,000 Aetna Life/Accidental Death & Dismemberment (AD&D) insurance for all transportation industry clients’ employees. Employees who are eligible for, and enroll in, TLC’s Medical Plan receive another $5,000 for a total of $10,000 Life/AD&D. Coverage is effective the 1st of the month following 60 days employed.

Life Insurance (Employee Voluntary)

Employees can purchase up to $150,000 Aetna Life and Accidental Death & Dismemberment (AD&D) insurance for themselves, up to $50,000 for their Spouse, and $5,000 for each Child. During an employee’s initial eligibility period, coverage is guaranteed issue for the 1st $100,000 of Employee Life coverage, the 1st $25,000 of Spouse Life coverage and Child Life coverage. After the initial eligibility period, an employee may apply for coverage during annual open enrollment, with additional medical information required.

Short Term Disability Insurance (Employee Voluntary)

Employees can purchase Short Term Disability Insurance (STD) through payroll deduction. STD provides income replacement benefits in the event of a non-occupational illness or injury. STD benefits pay 60% of pre-disability earnings beginning after 14 days of disability and continue for up to 26 weeks. STD is open for enrollment during an employee’s initial eligibility period and during annual open enrollment.

Long Term Disability Insurance (Employee Voluntary)

TLC clients can request Voluntary Long Term Disability Insurance (LTD) for their work site employees to purchase through payroll deduction. There is a minimum participation requirement per work site. LTD provides income replacement benefits in the event of a non-occupational illness or injury, for a longer period of time than Short Term Disability benefits. LTD benefits begin after 90 days of disability and continue for up to 2 years or to age 65, depending on the disability. If offered, LTD is open for enrollment during an employee’s initial eligibility period and during annual open enrollment.


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