{"id":327,"date":"2024-06-05T17:12:35","date_gmt":"2024-06-05T17:12:35","guid":{"rendered":"https:\/\/mdlzbmr.com\/snuh\/?page_id=327"},"modified":"2026-05-19T15:22:58","modified_gmt":"2026-05-19T15:22:58","slug":"life-and-disability","status":"publish","type":"page","link":"https:\/\/mdlzbmr.com\/snuh\/life-and-disability\/","title":{"rendered":"Life &amp; Disability"},"content":{"rendered":"\n\n\t\t<h2>Life and Disability<\/h2>\t\n<h2>\n\t\t\tLife and Disability coverages offer income protection for you and your family\t<\/h2>\n\t<p>MDLZ automatically provides you with Basic Life Insurance, Business Travel Accident (BTA) Insurance, and Short-Term Disability (STD) coverages.<\/p>\n<p><strong>You can also purchase the following optional coverages:<\/strong><\/p>\n<ul>\n<li><strong>Optional Life Insurance<\/strong>\u00a0(for you, your spouse\/domestic partner, and\/or children)<\/li>\n<li><strong>Voluntary Accidental Death &amp; Dismemberment (VADD) Insurance<\/strong><\/li>\n<li><strong>Long-Term Disability (LTD)<\/strong><\/li>\n<\/ul>\n<p>You designate your beneficiaries for Basic Life, Optional Life, VADD, and BTA Insurance coverages on\u00a0<strong><a href=\"https:\/\/mondelez.ehr.com\/\" target=\"_blank\" rel=\"noopener\">MyBenefits Online<\/a><\/strong>.<\/p>\n\t<style>#sp-ea-354 .spcollapsing { height: 0; overflow: hidden; transition-property: height;transition-duration: 300ms;}#sp-ea-354.sp-easy-accordion>.sp-ea-single {margin-bottom: 10px; border: 1px solid #e2e2e2; }#sp-ea-354.sp-easy-accordion>.sp-ea-single>.ea-header a {color: #ffffff;}#sp-ea-354.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body {background: #fff; color: #444;}#sp-ea-354.sp-easy-accordion>.sp-ea-single {background: #eee;}#sp-ea-354.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon { float: left; color: #ffffff;font-size: 16px;}<\/style><div id=\"sp_easy_accordion-1717612257\"><div id=\"sp-ea-354\" class=\"sp-ea-one sp-easy-accordion\" data-ea-active=\"ea-click\" data-ea-mode=\"vertical\" data-preloader=\"\" data-scroll-active-item=\"\" data-offset-to-scroll=\"0\"><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-3540\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse3540\" aria-controls=\"collapse3540\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> MDLZ-provided coverages (at no cost to you)<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse3540\" role=\"region\" aria-labelledby=\"ea-header-3540\"> <div class=\"ea-body\"><p>You automatically receive:<\/p><ul><li><span class=\"green-text\"><strong>Basic Life Insurance:<\/strong><\/span> Two times your annual base pay (up to $1 million), imputed income may apply.<\/li><li><span class=\"green-text\"><strong>BTA Insurance:<\/strong><\/span>\u00a0Four times your annual base pay (up to $3 million).<\/li><li><span class=\"green-text\"><strong>STD coverage:<\/strong><\/span> Up to 26 weeks of income protection if you\u2019re not able to work due to an illness or injury.<\/li><\/ul><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-3541\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse3541\" aria-controls=\"collapse3541\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Optional coverages<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse3541\" role=\"region\" aria-labelledby=\"ea-header-3541\"> <div class=\"ea-body\"><p>In addition to the automatic MDLZ-paid coverages, you can purchase additional protection for yourself and your family on an after-tax basis:<\/p><ul><li><span class=\"green-text\"><strong>Optional Life Insurance:<\/strong><\/span> Coverage for you ranging from one to eight times your annual base pay (up to $5 million). Additional coverage amounts are available for your spouse\/domestic partner and\/or child(ren), imputed income may apply. You can review the coverage options available and your cost for each on <a href=\"https:\/\/mondelez.ehr.com\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">MyBenefits Online<\/a>.<ul><li>If you\u2019re a new hire, you have a one-time opportunity to elect the following coverages without having to provide Evidence of Insurability (EOI):<ul><li><strong>For yourself:<\/strong>\u00a0Up to three times your annual base pay, or $250,000 (whichever is less)<\/li><li><strong>For your spouse\/domestic partner:<\/strong>\u00a0Up to $20,000<\/li><li><strong>For your child(ren):<\/strong>\u00a0In amounts of $5,000 or $10,000<\/li><\/ul><\/li><li>If you want to elect or make changes, you can do so during a future Annual Enrollment and\/or during the year if you experience a qualified life event (EOI may be required).<\/li><\/ul><\/li><li><span class=\"green-text\"><strong>VADD Insurance:<\/strong><\/span> Coverage for you, of up to 10 times your annual base pay if you\u2019re injured or you die in an accident. You can also elect VADD coverage for your eligible dependents. See <a href=\"https:\/\/mondelez.ehr.com\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">MyBenefits Online<\/a>\u00a0for the coverage options available and each option\u2019s cost.<\/li><li><span class=\"green-text\"><strong>LTD coverage:<\/strong><\/span>\u00a0Income protection if your disability extends beyond the initial 26 weeks of STD. You may elect coverage equal to 50% or 60% of your annual base pay. If you don\u2019t elect LTD as a new hire, any coverage that you elect at a future date is subject to EOI.<\/li><\/ul><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-3542\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse3542\" aria-controls=\"collapse3542\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Contact info &amp; apps<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse3542\" role=\"region\" aria-labelledby=\"ea-header-3542\"> <div class=\"ea-body\"><p><span class=\"green-text\"><strong>MetLife (Life Insurance and VADD)<\/strong><\/span><\/p><ul><li><a href=\"https:\/\/metlife.pathfactory.com\/mondelez\" target=\"_blank\" rel=\"noopener\">MetLife Website<\/a><\/li><li><a href=\"http:\/\/metlife.com\/continuation\" target=\"_blank\" rel=\"noopener\">Conversion or Portability Website<\/a><\/li><li>Phone (General Inquiries): <a href=\"tel:1-877-275-6387\" target=\"_blank\" rel=\"noopener\">1-877-275-6387<\/a><\/li><li>Phone (Conversion or Portability Inquiries): <a href=\"tel:1-877-274-6387\">1-877-274-6387<\/a><\/li><li>Mobile App: N\/A<\/li><\/ul><p><span class=\"green-text\"><strong>The Hartford (LTD)<\/strong><\/span><\/p><ul><li><a href=\"https:\/\/abilityadvantage.thehartford.com\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">The Hartford Website<\/a><\/li><li><a href=\"mailto:muwliaison@thehartford.com\" target=\"_blank\" rel=\"noopener\">Status Inquiries Regarding Evidence of Insurability<\/a><\/li><li>Phone (General Disability Claim Inquiries): <a href=\"tel:+18662404385\">1-866-240-4385<\/a><\/li><li>Phone (Status Inquiries Regarding Evidence of Insurability): <a href=\"tel:1-800-331-7234\" target=\"_blank\" rel=\"noopener\">1-800-331-7234<\/a><\/li><li>Mobile App: N\/A<\/li><\/ul><p><span class=\"green-text\"><strong>Sedgwick (STD)<\/strong><\/span><\/p><ul><li><a href=\"https:\/\/mysedgwick.com\/Mondelez\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Sedgwick Website<\/a><\/li><li>Phone:\u00a0<a href=\"tel:+18663110999\">1-866-311-0999<\/a><\/li><li>Mobile App: N\/A<\/li><\/ul><\/div><\/div><\/div><\/div><\/div>\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/mdlzbmr.com\/snuh\/wp-content\/uploads\/sites\/3\/2024\/06\/Black-Divider.svg\" alt=\"Black-Divider\" itemprop=\"image\" height=\"0\" width=\"0\" title=\"Black-Divider\" onerror=\"this.style.display='none'\" loading='lazy' \/>\n\t<h2><strong>Imputed income<\/strong><\/h2>\n<ul>\n<li><strong>Basic Life Insurance:<\/strong> Under IRS rules, the value of coverage over $50,000 is imputed as taxable income to you. If two times your annual base pay is more than $50,000, electing the $50,000 basic life reduction option enables you to avoid imputed income. You may elect to do so as a new hire or during Annual Enrollment when you enroll on <a href=\"https:\/\/mondelez.ehr.com\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">MyBenefits Online<\/a> (or by phone through the Mondel\u0113z International Benefits Center).<\/li>\n<li><strong>Optional Life Insurance for spouse\/domestic partner:<\/strong>\u00a0Imputed income, as required by IRS rules, applies to Optional Life Insurance coverage for your spouse\/domestic partner. Please consult your own tax advisor concerning the potential tax consequences in having this coverage.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/mdlzbmr.com\/snuh\/wp-content\/uploads\/sites\/3\/2024\/06\/Life-Disability-Icon.png?_t=1717613179\" alt=\"Life-Disability-Icon\" itemprop=\"image\" title=\"Life-Disability-Icon\" onerror=\"this.style.display='none'\" loading='lazy' \/>\n\t<h2>Looking for more details?<\/h2>\n<p>You can access more detailed coverage information (posted under the <em>Reference Center<\/em>) on <strong><a href=\"https:\/\/mondelez.ehr.com\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">MyBenefits Online<\/a><\/strong>. The Contact Info &amp; Apps section on this page also includes links to carrier\/benefit vendor websites as well as their phone numbers.<\/p>\n\n","protected":false},"excerpt":{"rendered":"<div class=\"entry-summary\">\n<div class=\"entry-summary\">\nLife and Disability Life and Disability coverages offer income protection for you&hellip;\n<\/div>\n<div class=\"link-more\"><a href=\"https:\/\/mdlzbmr.com\/snuh\/life-and-disability\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &ldquo;Life &amp; Disability&rdquo;<\/span>&hellip;<\/a><\/div>\n<\/div>\n<div class=\"link-more\"><a href=\"https:\/\/mdlzbmr.com\/snuh\/life-and-disability\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &ldquo;Life &amp; Disability&rdquo;<\/span>&hellip;<\/a><\/div>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-template\/_fullwidth.php","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"class_list":["post-327","page","type-page","status-publish","hentry","entry"],"acf":[],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/mdlzbmr.com\/snuh\/wp-json\/wp\/v2\/pages\/327","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mdlzbmr.com\/snuh\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/mdlzbmr.com\/snuh\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/mdlzbmr.com\/snuh\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/mdlzbmr.com\/snuh\/wp-json\/wp\/v2\/comments?post=327"}],"version-history":[{"count":16,"href":"https:\/\/mdlzbmr.com\/snuh\/wp-json\/wp\/v2\/pages\/327\/revisions"}],"predecessor-version":[{"id":2282,"href":"https:\/\/mdlzbmr.com\/snuh\/wp-json\/wp\/v2\/pages\/327\/revisions\/2282"}],"wp:attachment":[{"href":"https:\/\/mdlzbmr.com\/snuh\/wp-json\/wp\/v2\/media?parent=327"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}