Life & Disability
Elements offers comprehensive coverage to help protect you financially should you become
disabled or seriously injured or die. In addition, you can choose to protect your auto, home and other
property through the Optional Protection Programs.
Short-Term Disability Short-Term Disability (STD) coverage
(available in most locations) helps protect all or part of your income if you become unable to
work due to illness or injury.
Accident & Sickness Kraft provides Accident & Sickness
(A&S) in some locations. A&S coverage helps protect all or part of your income if you
become unable to work due to illness or injury.
Long-Term Disability The optional, employee-paid
Long-Term Disability (LTD) coverage provides tax-free income after you have been disabled for 26 weeks.
Basic Life Insurance Kraft automatically provides Basic
Life Insurance coverage at no cost to you.
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Group Universal Life (GUL)You can purchase additional life insurance for yourself, your spouse or domestic partner, and your children.
Business Travel Insurance Through this Kraft-paid insurance,
if you die as a result of an accident while traveling on business for Kraft, your beneficiary receives a benefit.
Group Personal Accident Insurance (PAI)You can purchase this insurance to provide
coverage for accidental death and injuries.