LIFE & DISABILITY INSURANCE

Life & Disability

Life, AD&D and Disability insurance can fill a number of financial gaps due to a temporary or permanent reduction of income. Consider what your family would need to cover day-to-day living expenses and medical bills during a pregnancy or illness related disability leave, or how you would manage large expenses (rent or mortgage, children's education, debt, etc.) after the death of a spouse.

LIFE INSURANCE

Basic & Voluntary Life Insurance

Team members are eligible for coverage the first of the month following 30 days of service.

GROUP 1: Non-Exempt Team Members working in a Castle
GROUP 2: Exempt Team Members
GROUP 3: Non-Exempt Team Members not working in a Castle
  • $10,000 of coverage paid in full by the company
  • Contributory coverage available in units of $10,000 up to a maximum of $40,000
  • Spouse coverage available in units of $10,000 up to a maximum of $40,000, not to exceed your own contributory coverage
  • Coverage for unmarried dependent children of $10,000 not to exceed your own contributory coverage
  • $30,000 of coverage paid in full by the company
  • Contributory coverage available in units of $10,000 up to a maximum of $300,000 (guaranteed issue $200,000)
  • Spouse contributory coverage available in units of $10,000 up to a maximum of $100,000, (guaranteed issue $50,000), not to exceed your own contributory coverage
  • Coverage for unmarried, dependent children of $10,000 not to exceed your own contributory coverage
  • $30,000 of coverage paid in full by the company
  • Contributory coverage available in units of $10,000 up to a maximum of $300,000 (guaranteed issue $200,000)
  • Spouse contributory coverage available in units of $10,000 up to a maximum of $100,000 (guaranteed issue $50,000), not to exceed your own contributory coverage
  • Coverage for unmarried, dependent children of $10,000 not to exceed your own contributory coverage

Executive Group Life Insurance (EGL)

White Castle offers Executive Group Life Insurance for eligible team members. Coverage and amount varies depending on position. The policy has cash value and offers investment opportunities.

This benefit is covered by White Castle and premiums are taxable to team members.

This benefit is administered through Garlikov Advisors using Pacific Life Insurance.

Protecting your inner circle

We know you want more options, so Voluntary Life Insurance allows you to purchase life insurance to protect your family's financial security. Coverage is available for your spouse and/or child(ren) if you purchase coverage for yourself.

What is Evidence of Insurability (EOI)?

Evidence of Insurability is additional information about your health status in order to qualify for the requested amount of coverage. If a team member elects a coverage that requires an EOI, Prudential will mail you the EOI to complete after open enrollment. If a team member fails to submit the EOI to Prudential, the team member's voluntary life insurances will be canceled.

What is Guaranteed Issue?

If you select voluntary coverage above a certain limit (the "guaranteed issue") or after your initial eligibility, you will need to provide additional information about your health status in order to qualify for the requested amount of coverage.

What is a Beneficiary?

A beneficiary is the person or legal entity who receives the life insurance benefit in the event of your death. You can name as many beneficiaries as you like, but you’ll need to designate a percentage of the benefit for each. If you select more than one beneficiary, be sure the total percentage adds up to 100%.

Voluntary Life Monthly Premiums

Rates are based on $1,000 selection basis.

Age
Team Member Rate
Spouse Rate
25-29
$0.08
$0.08
30-34
$0.09
$0.09
35-39
$0.12
$0.13
40-44
$0.15
$0.16
45-49
$0.21
$0.22
50-54
$0.32
$0.34
55-59
$0.55
$0.58
60-64
$0.85
$0.89
65-69
$1.63
$1.72
70+
$2.65
$2.78
Child
$0.15

DISABILITY INSURANCE

Short-Term Disability (STD)

Benefit:

  • The STD plan provides full-time salaried team members with income replacement while disabled and unable to work due to a non-occupational illness or injury, including pregnancy.

Weekly Benefit Amount:

  • Team members are eligible for a maximum of 26 weeks. Team members will be paid 100% of pay per week for every 6 months of service, then 60% of pay for the remaining weeks up to the max of 26 weeks.

Elimination Period:

  • 7 days

Cost to Team Members:

  • No cost to team members; benefit paid in full by White Castle.

Long-Term Disability (LTD)

Benefit:

  • Long-term Disability (LTD) provides full-time salaried team members with income replacement if you are unable to work for an extended period due to a qualifying accident or illness, covering a portion of your salary for several years or even until retirement.

Monthly Benefit Amount:

Annual Salary
Monthly Benefit
Maximum Monthly Benefit
Less than $150,000
60% of monthly earnings
$7,500
Greater than $150,000
60% of monthly earnings
$13,500

Elimination Period:

  • 180 days

Cost to Team Members:

  • No cost to team members; benefit paid in full by White Castle.

Filing a Disability Claim

In order to receive benefits, you must report your disability claim to Prudential.

You can contact Prudential by phone at 800-842-1718 or by visiting http://www.prudential.com/mybenefits.

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