Life/AD&D and Disability Insurance –BB&N Paid • Basic Life and Accidental Death & Dismemberment (AD&D) Insurance Benefit • 1 times your annual salary, up to a $100,000 maximum for each • Long Term Disability Benefit • 60% of your monthly earnings, up to a $6,500 maximum • Benefits begin on the 91st day of a covered disability • Benefits are payable for 2 years if you are disabled from your own occupation; or to your Social Security Normal Retirement Age (SSNRA) for any occupation • Benefits are considered tax-free income to recipients 28