Benefits Coverage	Your Choices	Cost Sharing
Life Insurance
Basic Group Term Life Insurance	Coverage of $50,000, 1x or 1/2x your eligible compensation	"1x pay" is paid by the Company
Optional Life Insurance	Coverage from 1x to 5x your eligible compensation	You pay group rates with after-tax dollars
Business Travel Accident Insurance	Automatic coverage of 3x your pay ($200,000 minimum)	The Company pays the entire cost
Voluntary Group Accident Insurance (for you and/or your dependents)	Coverage up to $500,000	You pay group rates with before-tax dollars
Dependent Life Insurance (for your dependents)	Coverage up to $50,000 for your spouse and up to $10,000 for each child	You pay group rates with after-tax dollars
Disability Coverage
You have two categories of coverage:
Short-Term Disability Coverage (for the first 26 weeks of disability)	Benefit is 100% of your base salary if you have at least one year of service, 60% if you have less service	The Company pays the total cost
Long-Term Disability Coverage (after six months of disability)	Voluntary coverage if you have less than one year of service.	You pay group rates with before-tax dollars
	Once you complete one year of service (Benefit is 60% of your basic monthly earnings, minus other disability-related payments)	The Company pays the total cost
You are also covered by Workers' Compensation insurance