V O L U N T A R Y B E N E F I T S V O L U N T A R Y S H O R T - T E R M D I S A B I L I T Y Short - term disability protects your income during a short period of time due to illness , or an accident not related to your job . Benefits begin on the 8 ᵗ ʰ day after an illness or accident . Benefit Maximum : 60 % of your weekly income up to $ 1 , 000 for 12 weeks . V O L U N T A R Y L I F E I N S U R A N C E 1 2 Employees have the option to purchase additional life insurance . Guarantee Issue : $ 150 , 000 – THIS YEAR ONLY AS A NEW PLAN NEXT OPEN ENROLLMENT ENTRANTS WILL SUBMIT EVIDENCE OF INSURABILITY Annual Election Option : Employees can increase benefits annually , up to $ 50 , 000 , not to exceed the Guarantee Issue Maximum : $ 300 , 000 ( may require an EOI ) Increments of $ 10 , 000 up $ 300 , 000 . Coverage reductions apply starting at age 65 Spouse Benefit : Increments of $ 5 , 000 starting at $ 10 , 000 to $ 150 , 000 . ( Cannot exceed 50 % of employee amount . Coverage reductions apply starting at age 65 ) Child ( ren ) Benefit $ 10 , 000 ( Children 14 days to 26 years of age The Guarantee Issue is the dollar amount that will be issued without submitting an EOI ( Evidence of insurability ), such as answering medical questions on an application or completing a medical exam . This only applies this year for applicants signing up for coverage during their initial enrollment period .