E M P L O Y E R P A I D B E N E F I T S B A S I C L I F E A N D A D & D 1 2 L O N G - T E R M D I S A B I L I T Y This plan provides eligible employees with a Long - Term Disability benefit through Guardian at no cost to you . Long - Term Disability benefits are provided as a source of income , in the event that you become disabled from a non - work - related injury or illness . Benefits begin on the 91st day of disability . Benefit Maximum : 60 % of Salary up to $ 6 , 000 per month . Guaranteed Issue : Up to $ 6 , 000 per month . 2 The plan provides eligible employees with a Basic Life and Accidental Death & Dismemberment benefit through Guardian at no cost to you . Employee Benefit : $ 30 , 000 AD & D Benefit : $ 30 , 000 * Benefit reductions start at age 65