Life Insurance & Long-term Disability Benefits


Benefits for Regular, full-time employees only

Download additional enrollment and claim forms at ARM Life & Disability Forms page

Disability Insurance

Disability insurance is an extremely important coverage that will replace your income if you become disabled due to sickness or injury and cannot work. Through the Long-term Disability policy with ReliaStar Life Insurance Company (through ING), your SDA Employer has made provision for your income replacement should the need arise. Most importantly, because it is an employer-provided benefit, it costs you nothing.

All regular full time employees of the North American Division as defined by individual employers, are covered under the LTD plan. In the event you become disabled and remain so throughout the 90-day elimination period, LTD will replace your lost income at 66.67% to a maximum of $6,000 per month.

Life & Disability Income Insurance Enrollment Form

Disability Claim Filing Instructions 

LTD Attending Physician Statement

LTD Authorization to Release Health Info 

LTD Employee Statement 

LTD Employer Statement 

LTD Occupational Demands 

LTD Consumer Privacy Notice 

Group Life Insurance

Each active full-time employee of the North American Division is eligible for the Basic Group Life Insurance.  Each employee has $100,000 of coverage; their spouse for $50,000; dependent children for $10,000. This is an employer paid benefit.

Life and Disability Manual

Basic Life Insurance Summary Plan Description

Life & Disability Income Insurance Enrollment Form 

Life Insurance Claim form 

Consumer Privacy Notice 

Supplemental Life

You are eligible to purchase this coverage if you are an employee within the North American Division working a minimum of 19 hours per week.  If eligible, you can purchase coverage from $10,000 up to $750,000 in increments of $10,000.  If electing outside of your 30 day new hire period, you will need to complete an Evidence of Insurability Application (EOI) for any amount elected.  If you are a new hire and within the first 30 days of hire, you have a “Guaranteed Issue Amount” of up to $250,000 in increments of $10,000.  The Guaranteed Issue Amount does not require an EOI. The premium cost will be deducted from your payroll.

If Supplemental Life election is greater than $250,000, an EOI is required.

EOI Instructions 

EOI Form 

Enrollment at a Glance

Supplemental Life Enrollment form

Supplemental Life Summary Plan Description 

Death Benefits

Accidents and illness is an unfortunate part of life.  We need to be prepared for the financial concerns that could put upon our family members in the event of an untimely death.  The coverages listed below off the extra financial assistance your family may need to meet and overcome sudden or unexpected problems.  These plans provide employees and their families with a monetary bridge to assist them in getting through troubled times when income is lost due to an accidental injury or death.

Everest Funeral Planning Services Brochure 

Personal Accident Insurance (AD&D)

You are eligible to purchase this coverage if you are an employee within the North American Division working a minimum of 19 hours per week.  If eligible, you can purchase coverage from $10,000 up to $500,000 for yourself; you may cover your spouse at 100% of the employee amount; dependent children are eligible for the lesser of 100% of the employee amount up to $25,000.  Coverage may be elected at any time during eligibility.  The premium cost will be deducted from your payroll.

Personal Accident Insurance (AD&D) Summary Plan Description

AD&D Enrollment form 

AD&D Claim form 

Attending Physician Statement 

Consumer Privacy Notice

Authorization of Release of Health Related Information 

Travel Assistance – Medical Emergencies

As part of your Life Insurance benefit, ING includes Travel Assistance coverage at no additional charge. When traveling more than 100 miles from home, ING Travel Assistance offers you and your dependents four types of services: Pre-Trip Information, Emergency Personal Services, Medical Assistance Services, and Emergency Transportation Services.
To learn more and to print your wallet ID card, download the PDF form here.
Online Portal: https://eservices.europassistance-usa.com/sites/Voya
Group ID: N1VOY
Activation Code: 140623 

Employee Assistance Program

This coverage is a provision of your group life insurance policy through your employer. Personal issues, planning for life events or simply managing daily life can affect your work, health and family. ComPsych® GuidanceResources® provides support, resources and information for personal and work-life issues. GuidanceResources is company-sponsored, confidential and provided at no charge to you and your dependents. This flyer explains how GuidanceResources can help you and your family deal with everyday challenges.

To learn more and to print your Wallet Card 

Download additional enrollment and claim forms at ARM Life & Disability Forms page