Life Insurance

Life insurance pays a benefit to your beneficiary or beneficiaries upon your death. You automatically receive company-provided Basic Life Insurance at 2x your annual salary up to a maximum of $1,000,000. You can add to your basic coverage by buying Supplemental Term Life Insurance on an after-tax basis up to 5X your annual salary at a maximum of $1,000,000. If you buy Supplemental Term Life Insurance for yourself, you can buy coverage for your dependents.

Supplemental Term Life Insurance is subject to Evidence of Insurability (EOI). If you purchase Supplemental Term Life Insurance within 30 days of being hired, you can bypass EOI with a guaranteed issue amount of 3X your annual salary or $250,000 (whichever is lesser). If you elect to purchase Supplemental Term Life Insurance after 30 days of being hired, the guaranteed issue amount is 1X your annual salary. Anything beyond the guaranteed issue amount is subject to EOI.

If you are subject to EOI, you will receive a letter from Aflac (formerly Zurich) in the mail that you must complete and return to be approved for the Supplemental Term Life Insurance coverage. If you have any questions, please reach by visiting their website, linked to the right, or calling 1-800-206-6720.

To enroll in Supplemental Term Life Insurance, open Workday and create a “Change Life Insurance/Disability” life event.

Accidental Death & Dismemberment (AD&D)

Accidental Death and Dismemberment (AD&D) insurance pays a benefit for certain injuries or death resulting from an accident. You automatically receive company-provided Basic AD&D coverage. You can add to your basic coverage by buying Supplemental AD&D Insurance on an after-tax basis up to the lesser of 10x your salary or $500,000. If you buy Supplemental AD&D Insurance for yourself, you can also buy coverage for your family.

To enroll in Supplemental AD&D Insurance, open Workday and create a “Change Life Insurance/Disability” life event.

Disability

Short Term Disability (STD) Insurance from Aflac

STD benefits begin seven calendar days after the start of your disability (illness or accident). Benefits may continue for up to 25 weeks. You are automatically enrolled in coverage at 60% of your salary, up to $2,307 per week. You may buy coverage that replaces an additional 20% of your salary, for total benefit of 80% of your salary, up to $3,076 per week.

Note: There is a pre-existing limitation. STD will not pay supplemental benefits for any period of disability caused by, or resulting from, a pre-existing condition. A pre-existing condition means any injury or sickness for which you incurred expenses, received medical treatment, care or services including diagnostic measures, took prescribed drugs or medicines, or for which a reasonable person would have consulted a physician within 3 months before the most recent effective date of insurance. This limitation will not apply to a period of disability that begins after you are covered by the supplemental buy-up for at least 12 months after your most recent date of insurance, or the effective date of any added or increased benefits.

Note: Your benefit may be reduced by deductible sources of income and disability earnings. Some disabilities may not be covered.

 

Long Term Disability (LTD) Insurance from Aflac

If your disability continues for more than 180 days (26 weeks), Long-Term Disability (LTD) provides a monthly benefit that continues (in general) until you are no longer disabled, return to work, or reach age 65, whichever comes first. You are automatically enrolled in coverage at 50% of your salary, up to $5,000 per month. You may buy supplemental coverage that replaces an additional 16.67% of your salary, for total benefit of 66 2/3% of your salary, up to $10,000 per month.

To enroll in supplemental LTD coverage, open Workday and create a “Change Life Insurance/Disability” life event.

Note: There is a pre-existing limitation. LTD will not pay supplemental benefits for any period of disability caused by, or resulting from, a pre-existing condition. A pre-existing condition means any injury or sickness for which you incurred expenses, received medical treatment, care or services including diagnostic measures, took prescribed drugs or medicines, or for which a reasonable person would have consulted a physician within 3 months before the most recent effective date of insurance. This limitation will not apply to a period of disability that begins after you are covered by the supplemental buy-up for at least 12 months after your most recent date of insurance, or the effective date of any added or increased benefits.

UNUM Voluntary Insurance from Other Voluntary Insurance

Whole Life Insurance
Administered by Unum
Whole Life insurance provides added financial protection that you may need during times of uncertainty. This plan provides death benefits to your designated beneficiaries, and also builds cash value that can be used while you are still alive. Whole life insurance also has an additional Long Term Care (LTC) rider.  Your family can receive monthly payments to help combat the cost of care while you are alive.  The benefit can be used to help pay for a facility, hospital bills, or in home care which can be provided by a licensed caregiver.  You have the option to purchase Whole Life insurance for you, your spouse, your child(ren) and grandchild(ren).

Critical Illness Insurance
Administered by Unum
Critical illness insurance can help supplement major medical coverage by helping you pay the out-of-pocket costs associated with a critical illness or event. Conditions covered under this program can include cancer, heart attack, stroke, major organ failure, and kidney failure. Benefits are paid tax-free in a lump sum, ranging from $10,000 to $30,000.  Coverage can be purchased for yourself, your spouse and your child(ren). This coverage also includes an annual preventive health screening benefit.

Accident Insurance
Administered by Unum
Accident insurance is designed to supplement employer-sponsored health coverage, accident insurance pays specific benefit amounts for expenses resulting from off-the-job injuries or accidents. Hospitalization due to a covered sickness, physical therapy, intensive care, fractures, and dislocations are some of the out-of-pocket expenses that this accident insurance could cover. Coverage can be purchased for yourself, your spouse and your child(ren).

To apply for coverage email benefits@activisionblizzard.com. To cancel coverage or to update dependents or beneficiaries, call UNUM at 1-888-926-2875.

Legal Protection

A legal plan from MetLife is like having a personal attorney on retainer. Members get access to a nationwide network of 18,000+ attorneys, most with more than 25 years of experience, who provide unlimited consultations and representation for covered legal matters with no copays, deductibles, claim forms, or waiting periods. For a nominal monthly cost, your legal coverage can assist you with a variety of legal matters, including family law, wills and estate planning, debt matters, consumer protection, traffic tickets, criminal matters, injury and insurance matters, and more!

You can also create wills, living wills and powers of attorneys online in as little as 15 minutes using their Digital Estate Planning solution. Just answer a few questions about yourself, your family and your assets to create these documents instantly. 

To learn more about your coverages and see the attorney network, create an account at legalplans.com or call 800-821-6400 Monday - Friday 8:00 am to 8:00 pm (ET).

Identity & Fraud Protection

Identity & Fraud Protection from Aura

Aura Identity Guard helps protect you and your family against identity theft and financial fraud. They offer comprehensive credit and identity protection services that will alert you of suspicious activity in real-time. The device and privacy features protect your computer and mobile devices against hackers. The data privacy and list removal feature lets you control how your personal data is used and sold on the internet. And customer support is available 24/7 to help with any fraud you may experience. Plus, plans come with an insurance policy to help pay for losses due to identity theft.  

Aura Identity Guard is offered at a discounted rate and you can enroll at any time through Workday. You can learn more about Aura Identity Guard by calling 855-443-7748 or by visiting ABKvoluntarybenefits.com.

Auto, Home, Pet, and Renters Insurance

Auto, Home, and Renters Insurance

MetLife Auto & Home®, Travelers, Safeco Insurance®, Progressive®, and Electric Insurance Company®.

You could save on your auto, home and renters insurance by comparison-shopping coverages, prices, and discounts from MetLife Auto & Home®, Travelers, Safeco Insurance®, Electric Insurance Company®, and Progressive®.1,2 Through this program, you can take advantage of special rates and convenient payment options through a payroll deduction.

All it takes is one, quick phone call to 1-855-829-0747, or visit to ABKvoluntarybenefits.com.
 

1 Home insurance is not available in FL through the carriers offered in this program and may not be part of MetLife Auto & Home’s benefit offering in MA.
2 Employee discounts are not available from all carriers and only available to those who qualify. Coverages, discounts and billing options are subject to state availability, individual qualification, and/or the insuring company’s underwriting guidelines. Individual savings may vary and are not guaranteed.

Carrier Disclaimers

 

Pet Insurance from Nationwide

My Pet Protection® from Nationwide® help you provide your pets with the best care by reimbursing you for vet bills. You can get cash back for accidents, illnesses, hereditary conditions and more. Choose 70% or 50% reimbursement for the level of coverage that fits your needs. 1

You're free to use any vet and will get additional benefits from emergency boarding, lost pet advertising and more. Plus, our 24/7 vethelpline® is available as a service to all pet members ($110 value).

Call 1-855-829-0747 to get a quote, or visit ABKvoluntarybenefits.com.
 

1 Some exclusions may apply. Certain coverages may be excluded due to pre-existing conditions. See policy documents for a complete list of exclusions. 

Travel Assistance Overview

Aflac’s World Travel Protection (travel assistance) Travel Assist is a complimentary service available to employees traveling more than 100 miles from home and provides emergency medical assistance, passport/visa/immunization requirement information, lost baggage services, document/ticket replacement, translation/interpretation, emergency advance of funds, security, and more.

For a complete list of services, review the Aflac Travel Assist Brochure or call:

(800) 263-4008 – 24/7 Toll free in North America

(647)-258-0124 – 24/7 Collect outside of North America

 

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