Life and Disability Benefits

Life is full of surprises, that’s why it is important to plan for the future. Life and Disability insurance ensures that your family will have a safety net in place should you ever need it. Zendesk provides the following coverage at no cost to you. 

Basic Life and Accidental Death and Dismemberment (AD&D) Lincoln Financial

Benefit Amount	2x annual salary*
Benefit Maximum	$1,000,000

Short-Term Disability (STD) Lincoln Financial

Pays you a portion of your salary while you are temporarily disabled. It replaces 60% of your weekly salary* to a maximum of $3,500 per week. This benefit covers a period of up to 12 weeks.

Weekly Benefit Amount	60% of weekly salary*
Maximum Weekly	$3,500
Benefits Begins	7 days after accident or sickness
Maximum Payment Period	12 weeks

Long-Term Disability (LTD) Lincoln Financial

LTD guarantees that you will have financial protection in the event you are unable to work for an extended period of time. This plan replaces 60% of your monthly salary* up to a maximum of $15,000 per month.

Monthly Benefit Amount	60% of monthly salary*
Maximum Monthly	$15,000
Benefits Begins	90 days
Maximum Payment Period	SSNRA (Social Security Normal       Retirement Age)

*Annual salary includes base pay. If sales employees, this is base pay + average 24 months of commission

VOLUNTARY COVERAGE

Supplemental life insurance is offered through Lincoln Financial. You can purchase additional life and accident protection for yourself, your spouse or your children

Employee
Minimum coverage amount	$10,000
Maximum coverage amount	Lesser of 5 times salary or combined basic and supplemental life of $1,000,000
Guarantee issue	up to $250,000

Spouse (not to exceed 50% of employee amount)
Minimum coverage amount	$5,000
Maximum coverage amount	$250,000
Guarantee issue	up to $50,000

Child (not to exceed 10% of employee amount)
Minimum coverage amount	$10,000
Maximum coverage amount	$10,000
Guarantee issue	up to $10,000