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We can’t plan for the unexpected, but we can prepare for it. Take advantage of Microsoft resources to help you plan for emergencies, so that you’re financially ready for whatever life throws at you.
For more resources on how you can safeguard your financial wellbeing, check out our Financial Wellbeing page.
The loss of a loved one should never mean financial instability; employee and dependent life insurance help provide financial security in the event of your death or a death in your family. Microsoft pays for employee life insurance up to three times your annual base pay.
Provided by Prudential, there are three options for coverage:
Employee life insurance from one to 10 times your annual base pay, up to a maximum of $4,000,000 (whichever is less).
Spouse/domestic partner life insurance from $5,000 to $750,000 (not to exceed 50 percent of the coverage of your employee life insurance election).
Dependent child life insurance at $5,000, $10,000, or $15,000 (for each child under age 26).
Take advantage of the Prudential Needs Estimator to determine the best strategy for you and your family.
Accidental Death and Dismemberment (AD&D) is optional coverage available to you to protect yourself and your family against the unexpected. Provided by Prudential, Microsoft AD&D covers you 24 hours a day, 7 days a week, anywhere in the world. This extra protection allows you to live your best life knowing that if the worst happens, you and your family will be protected.
You choose the amount of coverage you want, and that determines both the cost and the amount of coverage that’s available to your dependents.
Long term disability
| Long-Term Disability allows you to take an extended time off with monthly pay, provided you meet certain eligibility requirements. There are multiple levels of coverage for you to choose from, and the level you select will determine your monthly payments should you need to use the policy. The cost is paid for by Microsoft and is considered taxable income unless you’re receiving Long Term Disability payments.
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Supplemental long-term disability
| Supplemental Long-Term Disability insurance is an individual policy to provide additional assistance should you need to step away from work for a long period of time. This policy works alongside the group coverage Microsoft also provides. The supplemental coverage is covered through MetLife and enrollment occurs in the spring, separate from the traditional open enrollment period.
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Enrolling in our MetLife Group Legal plan will provide for you, your spouse/domestic partner, and eligible dependents to receive legal assistance when you need it. Attorney-client privilege is practiced even with Group Legal coverage, with Microsoft only aware of your enrollment in the coverage. You can use available resources to find an attorney, or a Client Service Representative can help you find one. You’ll also gain access to MetLife resources including their document library, filled with over 1,700 documents for legal concerns such as living will, powers of attorney, and many more.