Income Protection Options
Life can be unpredictable, but your benefits are designed to help you feel secure, supported, and prepared for whatever comes your way. iRhythm offers life and disability coverage to protect your income and provide financial support during challenging times.
100% Company-Paid Basic Coverage
Automatic 1x salary Life & AD&D plus Short-Term & Long-Term Disability provided at zero cost to you.
Voluntary Family Add-Ons
Group-discounted voluntary life coverage available for yourself, your spouse, and eligible children.
Life and AD&D Insurance
Comprehensive financial protection to support you and your family in the event of death or accidental dismemberment.
Basic Coverage (Company-Paid)
- Provided through Lincoln Financial Group.
- Coverage equals one times your annual base salary, up to $700,000.
- Coverage is offered at no cost to you (taxes may apply).
Voluntary Life and AD&D Insurance (Employee-Paid)
Elect supplemental coverage for yourself, your spouse, or dependent children at discounted group rates.
- Additional coverage available at discounted group rates.
- Options available for you, your spouse, and your child(ren).
- You choose the coverage amounts that fit your family’s needs.
- Evidence of Insurability (EOI) may be required.
- You must elect employee coverage first before you can enroll any dependents.
“Comprehensive life and AD&D benefits designed to protect what matters most at every stage of life.”
Questions? If you have any questions, you can find more information on The Pulse.
Disability Insurance
Disability coverage replaces part of your income if you cannot work due to illness or injury. Both Short-Term and Long-Term Disability are provided at no cost to you.
- Pays 60% of base earnings, up to $2,500 per week.
- Benefits begin after a 7-day waiting period.
- Coverage lasts up to 13 weeks.
- Benefits are reduced by state disability programs where applicable.
- Pays 60% of monthly earnings, up to $10,000 per month.
- Benefits begin after 90 days and can continue until normal retirement age.
- Benefits are reduced by other income you may receive, such as Social Security or Workers’ Compensation.
“Comprehensive short-term and long-term protection keeping you financially stable through injury, illness, or recovery.”
Does Your State Offer Additional Short-Term Disability?
In addition to iRhythm’s disability coverage, some states offer their own short-term disability programs. If you live or work in one of these states, you may be eligible for extra income protection through your state’s plan.
California – State Disability Insurance (SDI)
Provides wage replacement for illness, injury, pregnancy, or childbirth.
New Jersey – Temporary Disability Insurance (TDI)
Covers non-work-related illness or injury, including pregnancy.
New York – Disability Benefits (DB)
Offers temporary cash benefits for off-the-job injuries or illnesses.
Hawaii – Temporary Disability Insurance (TDI)
Partial wage replacement for eligible employees unable to work.
Rhode Island – TDI & Temporary Caregiver Insurance (TCI)
Supports income during illness, injury, or caregiving needs.