Your 2027 Benefits
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What You Need To Know
This is an active enrollment, which means you must take action to ensure you have coverage for the new plan year.
New enrollment process! You must complete an enrollment appointment with a professional benefit counselor to elect benefits. During your individual appointment, you will have the opportunity to ask questions, get more information, and enroll yourself and your dependent(s) in coverage.
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How to Enroll
Benefits are more important than ever and we encourage you to spend extra time evaluating your benefit options. As such, we have partnered with EOI Service Company so you can enroll with the guidance of a professional benefit counselor.
It is essential you speak with a benefit counselor to learn more about your benefit options. During your confidential appointment, the benefit counselor will:
- Answer your questions
- Provide detailed information
- Help you enroll in benefits
Your Benefit Options
We are pleased to offer a comprehensive benefits program that gives you choice and flexibility so you can take charge of your physical, financial, and emotional well-being. For detailed information about each of the benefit plans and programs available to you and your family, click the down arrow for each benefit listed below.
Administered by CHUBB
Voluntary Critical Illness coverage from Chubb provides you with a lump sum cash benefit in the event you or a loved one is diagnosed with a covered condition, such as cancer, heart attack, or stroke. It can help provide financial protection so you can focus on what’s really important — getting better.
You pick the level of coverage that provides the right protection for your family. During this enrollment period, you will have the opportunity to select up to $30,000 in coverage for yourself, up to $15,000 in coverage for your spouse, and up to 25% of your coverage for your child(ren) without answering any medical questions. Plus, the policy will pay you a $50 wellness benefit when you complete a qualified health assessment.
How The Plan Works
• Tom suffered a relatively small stroke.
• He was hospitalized for five days.
• He began rehab to get back to where he was physically before the stroke.
• Tom submitted his claim and received a lump-sum payment of $10,000.
Administered by Lincoln Financial Group
Disability insurance can keep you financially stable should you become disabled and unable to work. It can help provide a sense of security, knowing that if the unexpected should happen, you’ll still receive a monthly income. These benefits are offered at no cost to you as an employee.
Short-Term Disability
American Leather provides you with Short-Term Disability coverage through Lincoln Financial Group. The benefit amount is based on 60% of your income, up to $500 per week. This amount may be offset by other income benefits, including any local or state disability. Benefits begin at the time of disability for accidents and after seven days for illnesses. This coverage can provide benefits for up to a maximum of 13 weeks if continuously disabled.
Long-Term Disability
As an added protection to ensure your financial stability, American Leather also provides you with Long-Term Disability coverage through Lincoln Financial Group. If your disability extends beyond 90 days, this coverage can replace 60% of your earnings, up to a maximum of $6,000 per month. Your benefits may continue to be paid until you reach normal retirement age as long as you meet the definition of disability.
