💪 Protect your paycheck, safeguard your stability, and support your loved ones when it matters most.
Because life can take unexpected turns, Tenpoint provides comprehensive income protection through Unum — at no cost to you. These benefits are designed to protect your paycheck, your peace of mind, and your family’s financial wellbeing when unexpected events occur.
From short-term illness to long-term disability, from global travel emergencies to identity theft, Tenpoint’s income protection program ensures you’re supported every step of the way — automatically, and without any action required on your part.
You’re covered for:
- Basic Life & AD&D Insurance – Protects your family’s financial security if you pass away or experience a qualifying loss.
- Long-Term Disability (LTD) – Provides ongoing income replacement for longer-term or permanent disabilities.
- Short-Term Disability (STD) – Replaces a portion of your income during recovery from an illness, injury, or surgery.
🏢 Cost
Tenpoint pays 100% of premiums for Basic Life & AD&D, Short-Term Disability, Long-Term Disability, EAP, Worldwide Travel Assistance, and Identity Theft Protection. Voluntary Life & AD&D coverage is employee-paid.
💬 Need Help?
- Claims: File directly with Unum (see carrier details on the Resources page).
- Leave coordination: Start your request in Tilt; Tilt connects directly Rippling to align pay and leave dates.
- Questions: Contact Umun, Tilt, the USI Benefit Resource Center, or Tenpoint HR for Tenpoint-specific support.
Basic Life & AD&D
Protect those you love, plan for the unexpected, and secure peace of mind.
Tenpoint pays 100% of your Life and Accidental Death & Dismemberment (AD&D) premiums through Unum.
Coverage highlights:
- 1× your annual earnings, up to $360,000
- Guaranteed Issue: Up to $360,000 — no medical questions required
- Includes AD&D coverage for accidental loss per plan provisions
Why it matters:
This coverage provides financial protection for your loved ones in the event of your death or accidental loss. Keep your beneficiary information up to date in Rippling to ensure your coverage is current.
Want additional coverage? You can also purchase Voluntary Life & AD&D Insurance for yourself or your dependents for extra peace of mind.
Short-Term Disability (STD)
🕊️ Recover fully, focus on healing, and return stronger than before.
Short-term disability coverage replaces part of your income when you can’t work due to a non-work-related illness, injury, or recovery period (like surgery or childbirth).
Coverage highlights:
- Waiting period: 7 days (use available sick or vacation time during this period)
- Benefit: 70% of weekly earnings, up to $3,700 per week
- Duration: Up to 12 weeks
Why it matters:
This coverage provides steady income while you focus on recovery. Claims are coordinated with Tilt and Unum to ensure your pay and benefits stay on track.
Long-Term Disability (LTD)
🛡️ Stay steady through challenge, protect your income, and secure your future.
If an illness or injury keeps you out of work longer than 90 days, long-term disability coverage kicks in to provide financial protection for the long haul.
Coverage highlights:
- Elimination period: 90 days
- Benefit: 60% of pre-disability monthly earnings, up to $12,500 per month
- Duration: Benefits may continue to Social Security Normal Retirement Age (SSNRA) per plan provisions
Why it matters:
This benefit ensures ongoing income protection for extended illnesses or injuries, allowing you to focus on your health without worrying about financial stability.