Life Insurance & Long-term Disability Benefits

Benefits for Regular, full-time employees only

Download additional enrollment and claim forms at Ascend to Wholeness Primary Benefits 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.

LTD Insurance Plan Summary with Cost of Living Adjustment

Disability Claim: Contact HR department to file claims for this coverage. 

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 Plan Description

Life & Disability Income Insurance Enrollment Form 

Life Insurance Claim: Contact HR department to file claims for this coverage.


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: Contact HR department to enroll online.

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 & Concierge Program
Online:  To register, use "North American Division of Seventh-day Adventists" as employer.

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 is available online during open enrollment and as a new hire.


AD&D Claim form 

Premium Worksheet

Limitations and Exclusions


Voya 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, log into, scroll down to the Primary Benefits section.
Travel Assistance Online Portal
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.  GuidanceResources can help you and your family deal with everyday challenges or print their flyer for a quick resource.

Log into and go to Primary Benefits>Employee Assistance Program>Resources to print your Wallet Card.

Your company Web ID: MY5848i
App: GuidanceResources® Now