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Long Term Disability, Life and Accidental Death & Dismemberment Insurance


Long Term Disability Insurance

ServiceNet provides each employee who works a regular schedule of thirty (30) hours or more per week with Long Term Disability Insurance through Reliance Standard.  This insurance is designed to replace a portion of your income if illness or accident prevents you from working for an extended period of time, or if you suffer a loss of income due to a disability.  The premiums for this coverage are paid for entirely by ServiceNet.  Eligibility begins on the first day of the month following 90 days of employment.

The maximum benefit that one may receive is 60% of monthly earnings.

The policy provides much information that is important to understand.  This includes the definition of disability, the time period for eligibility, exclusions, opportunities for rehabilitation services, and return to work criteria and incentives.

Please contact Noreen Mickiewicz Hayes in the Human Resources Department at 413.387.1102 or nhayes@servicenet.org for more information or a copy of the plan.​


Life Insurance

ServiceNet provides each employee who works a regular schedule of 20 hours or more a week with life insurance in an amount equal to the employee's annual salary rounded up to the nearest thousand.  This benefit is available on the first of the month following 90 days of employment. This benefit is paid entirely by ServiceNet.


Beneficiary Information

Be sure that your beneficiary information is accurate and up to date! Complete the Beneficiary Election Form.

·         Reliance Standard Beneficiary Enrollment Form – Complete this form to update your beneficiary election.

Voluntary Life Insurance

In addition to the insurance that employees automatically receive, newly-hired employees who work a regular schedule of 20 hours or more a week may purchase additional "voluntary" insurance for themselves, their spouses, or their dependents.  The waiting period for eligibility for this additional insurance is the first of the month following three months of active employment.  Interested employees must submit the Group Insurance Enrollment Form within those first three months of employment. No evidence of insurability is required for insurance purchased during that period. Premiums for voluntary insurance are the responsibility of the employee and will be paid through payroll deduction. 

In addition, ServiceNet and the insurance carrier may periodically offer employees the opportunity to purchase additional voluntary insurance for themselves, their spouses, or their dependents during an open enrollment period.  If such open enrollment is offered, then evidence of insurability would be required.

 

·   Reliance Standard Insurance Enrollment Form – Complete this form when applying to purchase insurance for your spouse or a dependent or additional insurance for yourself during the first three months of employment or, if offered, during an open enrollment period for life insurance.