Life and Disability

Lincoln Financial Group

AHEAD offers life and disability plans to help protect your family financially for the unexpected.

AHEAD provides basic life, basic accidental death and dismemberment, short term disability and long term disability insurance free of charge. When electing your benefits as a new hire, during open enrollment, or when making changes due to a qualified life event, be sure to elect these free benefits as well.

Lincoln Financial Group

Select the Lincoln Financial Group tile from your Okta dashboard to access your life and disability resources.

Click here to learn more about your life insurance options.

Basic Life & Accidental Death and Dismemberment

  • Basic life insurance pays a benefit to your beneficiaries in the event of your death.
  • Accidental death and dismemberment insurance will pay a benefit to your beneficiaries if you die or are injured due to an accident.

The benefit amount is equal to your annual earnings, up to $250,000.

Voluntary Life and AD&D

You can choose to purchase additional life and accidental death and dismemberment insurance to complement your AHEAD-provided basic life & accidental death and dismemberment insurance. For voluntary life and AD&D insurance, you pay the full cost of coverage.

  • For yourself: $10,000 increments up to $750,000.
  • Your spouse: Up to 100% of your coverage amount up to $375,000.
  • Child(ren): Up to $20,000 of coverage.

Short Term Disability

Short term disability provides a benefit if you are unable to work due to injury, illness or pregnancy. Benefits begin on the 1st day for injury, and on the 8th day for illness or pregnancy. Benefits can continue until you are no longer considered disabled or up to a maximum of 13 weeks, whichever comes first.

The benefit amount is equal to 60% of your weekly earnings, up to $3,000 per week.

Long Term Disability

Long term disability provides a benefit if you remain disabled beyond 91 days. Benefits begin after 91 days of disability and can continue up to age 65.

The benefit amount is equal to 60% of your monthly earnings, up to $15,000 per month.