Life & Disability Insurance

The Town provides Short- and Long-Term Disability Insurance, Life Insurance, and AD&D to eligible employees.

Protect your paycheck

Disability Insurance
Short- and Long-Term Disability benefit payments help you protect a portion of your paycheck if you are unable to work due to a covered disability. 

• The short-term disability insurance plan provides short-term disability payments to eligible employees for a period of up to 12 weeks. Employees will qualify for benefits beginning the eighth day of an absence caused by accident or illness. A disabled employee will receive payments equaling 60% of the employee’s regular weekly base pay up to a maximum of $2,308 per week.
• The long-term disability insurance plan provides long-term disability payments to eligible employees. Employees will qualify for benefits beginning after ninety (90) days of an absence caused by accident or illness. A disabled employee will receive payments equaling 60% of the employee’s regular weekly base pay up to a maximum of $10,000 per month.

Plan for the unexpected

Life Insurance
Life insurance provides the people you love with financial support when you can’t be there—and when they need it most. 

1. The group life insurance policy provides 100% of the employee's annual salary, to a maximum amount of insurance of $150,000.00. 
2. If you have reached age 65, but not age 70, your amount of insurance will be 67% of the amount noted in 1 above. 
3. If you have reached age 70 or more, your amount of insurance will be 67% of the amount noted in 2 above.

Accidental Death and Dismemberment (AD&D)
AD&D offers extra financial protection if you suffer from an accidental injury or death.