2026 Plan Summary — Employer Provided Life Insurance, Accidental Death and Dismemberment (AD&D) & Disability Benefits
Guardian Life
DeVal Lifecycle

Guardian Life provides company-paid Basic Life Insurance, Accidental Death & Dismemberment (AD&D), and Short-Term Disability (STD) benefits at no cost to the employee.

Select A Benefit

  • Coverage Type

    Employer Provided Life Insurance, Accidental Death & Dismemberment (AD&D)

  • Basic Life Benefit

    $25,000

  • Basic AD&D Benefit

    $25,000 benefit per employee

  • Eligible Employees

    Production employees working greater than 30 hours/week

  • Cost to Employee

    None (100% Employer Paid)

  • Age Reduction Schedule

    35% reduction @ age 65, 60% reduction @ age 70, 75% reduction @ age 75

Carrier: Guardian Life
Website: guardiananytime.com

This is a summary only. Please refer to the carrier benefit summaries for more detailed information.

Basic Life & AD&D Short-Term Disability (STD)

Coverage Type

Employer Provided Life Insurance, Accidental Death & Dismemberment (AD&D)

Coverage Type

Employer Provided Short-Term Disability (STD) Coverage

Basic Life Benefit

$25,000

Basic Life Benefit

N/A

Basic AD&D Benefit

$25,000 benefit per employee

Basic AD&D Benefit

N/A

Eligible Employees

Production employees working greater than 30 hours/week

Eligible Employees

Production and Non Production Employees working greater than 30 hours/week

Cost to Employee

None (100% Employer Paid)

Cost to Employee

None (100% Employer Paid)

Age Reduction Schedule

35% reduction @ age 65, 60% reduction @ age 70, 75% reduction @ age 75

Age Reduction Schedule

N/A

What is Short-Term Disability?

N/A

What is Short-Term Disability?

STD insures a portion of your paycheck should you be unable to work due to a short-term illness or accident.

New Jersey Employees

N/A

New Jersey Employees

For employees working in NJ, this benefit will wrap around and supplement the mandated New Jersey disability benefit which provides 85% of weekly income up to a maximum benefit of $1,119.00 per week.

Outside New Jersey Employees

N/A

Outside New Jersey Employees

If you work outside NJ, this benefit will provide the entire short-term disability benefit.

Benefit Percentage

N/A

Benefit Percentage

60%

Weekly Maximum Benefit

N/A

Weekly Maximum Benefit

$1,000

Elimination Period

N/A

Elimination Period

8th day accident / 8th day sickness

Benefit Duration

N/A

Benefit Duration

26 weeks

  • Coverage Type

    Employer Provided Short-Term Disability (STD) Coverage

  • What is Short-Term Disability?

    STD insures a portion of your paycheck should you be unable to work due to a short-term illness or accident.

  • New Jersey Employees

    For employees working in NJ, this benefit will wrap around and supplement the mandated New Jersey disability benefit which provides 85% of weekly income up to a maximum benefit of $1,119.00 per week.

  • Outside New Jersey Employees

    If you work outside NJ, this benefit will provide the entire short-term disability benefit.

  • Benefit Percentage

    60%

  • Weekly Maximum Benefit

    $1,000

  • Elimination Period

    8th day accident / 8th day sickness

  • Benefit Duration

    26 weeks

  • Eligible Employees

    Production and Non Production Employees working greater than 30 hours/week

  • Cost to Employee

    None (100% Employer Paid)

Carrier: Guardian Life
Website: guardiananytime.com

This is a summary only. Please refer to the carrier benefit summaries for more detailed information.

Short-Term Disability (STD) Basic Life & AD&D

Coverage Type

Employer Provided Short-Term Disability (STD) Coverage

Coverage Type

Employer Provided Life Insurance, Accidental Death & Dismemberment (AD&D)

Basic Life Benefit

N/A

Basic Life Benefit

$25,000

Basic AD&D Benefit

N/A

Basic AD&D Benefit

$25,000 benefit per employee

Eligible Employees

Production and Non Production Employees working greater than 30 hours/week

Eligible Employees

Production employees working greater than 30 hours/week

Cost to Employee

None (100% Employer Paid)

Cost to Employee

None (100% Employer Paid)

Age Reduction Schedule

N/A

Age Reduction Schedule

35% reduction @ age 65, 60% reduction @ age 70, 75% reduction @ age 75

What is Short-Term Disability?

STD insures a portion of your paycheck should you be unable to work due to a short-term illness or accident.

What is Short-Term Disability?

N/A

New Jersey Employees

For employees working in NJ, this benefit will wrap around and supplement the mandated New Jersey disability benefit which provides 85% of weekly income up to a maximum benefit of $1,119.00 per week.

New Jersey Employees

N/A

Outside New Jersey Employees

If you work outside NJ, this benefit will provide the entire short-term disability benefit.

Outside New Jersey Employees

N/A

Benefit Percentage

60%

Benefit Percentage

N/A

Weekly Maximum Benefit

$1,000

Weekly Maximum Benefit

N/A

Elimination Period

8th day accident / 8th day sickness

Elimination Period

N/A

Benefit Duration

26 weeks

Benefit Duration

N/A