Offered during Open Enrollment only with Evidence of Insurability (EOI).

Silverado offers basic life, accidental death and dismemberment (AD&D) and long-term disability insurance through The Hartford at no cost to you. In addition, you can buy additional voluntary coverage for yourself and your family. Evidence of Insurability (EOI) may be required for Voluntary Coverages.

Life, Accident & Disability Insurance
Company-paid Benefits Life: 1x annual base salary
AD&D: 1x annual base salary
Long-term Disability: 40% of salary, up to $3,334 per month
Voluntary Life 1x to 6x annual salary base up to $1 million
(Up to $250,000 guarantee issue)
Voluntary Spouse Life 50% of voluntary life amount up to $100,000M
$50,000 guarantee issue)
Voluntary Child Life $500 – $5,000
Voluntary AD&D 1x to 10x annual base salary up to $1 million
Voluntary Family AD&D Spouse: 50% up to $400,000, spouse only 40% up to $10,000 if children are covered
Voluntary Long-Term Disability Combines with basic benefit to provide a 60% salary replacement up to $5,000 per month
Short-Term Disability (non-CA only) 50% of salary, up to $1,000 per week

Company paid and voluntary Long-Term Disability is effective the first day of the month after one year of service.

Eligibility, effective dates and amounts may vary based on age and benefit deduction group assignment. Please contact Home Office Benefits department for more details at