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Benefits (continued)


Basic Life Insurance
        Queen's provides life-insurance plan that provides basic term life coverage equal to two times the employee's annual salary for non-bargaining, full-time employees. Additional coverage of up to four times the employee's annual salary can be purchased through the Supplemental and Dependent Life Plans. Coverage for collectively bargained employees are determined by their respective collective bargaining agreement.

Long-Term Disability Insurance
        Long-term disability plans help replace lost income if an injury or illness prevents an employee from working 180 days or longer. Queen's provides a basic benefit equal to 50 percent of one's income, up to a maximum of $10,000 per month. The supplemental plan allows the employee to purchase additional coverage with the option to pay the premium with pre-tax earnings. Coverage for collectively bargained employees are determined by their respective collective bargaining agreement.

Accidental Death and Dismemberment Insurance
        Accidental death and dismemberment insurance provides coverage 24 hours a day, 7 days a week if you die or are injured as a result of an accident. AD&D benefits are in addition to your Employee Group Life Insurance benefit. The plan pays your full benefit amount to your beneficiary if you die as a result of an accident. A percentage of your benefit is paid to you if you suffer a dismemberment, or lose your sight, speech or hearing as a result of an accident.

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