The Housing Authority is soliciting proposals directly from providers (broker services are not engaged and broker fees/commission should not be included in rate proposals) for Group Term Life, Accidental Death and Dismemberment (AD&D) and Group Long Term Disability (LTD) Benefits for its work force. Election/participation in any of these benefits is optional. Regular full time employees may elect participation in these benefits upon hire and temporary full time employees may elect participation after completing 90 consecutive days of employment. Full time employees are not required to participate in our benefit offerings for Group Term Life, Accidental Death and Dismemberment (AD&D) and Group Long Term Disability (LTD) coverage. Part time employees are not eligible to participate in any of the benefits. The effective date for coverage is always the first (1st) of the month and termination of coverage is always effective the last day of the month.