Gong
Life and Disability

Life and Disability

Financial protection for you and your loved ones when the unexpected happens.

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Your guide

Protection for life and income

Review employer-paid coverage, optional protection, beneficiaries, and disability benefits.

Basic Life and AD&DEmployer-paid coverage of 1× covered annual earnings

Gong provides Basic Life and AD&D at no cost. Coverage is 1× annual salary, including base salary and bonus or commissions, up to $500,000.

Life insurance pays your beneficiary if you die. AD&D pays for covered losses such as a limb, speech, sight, or hearing, or pays your beneficiary after a covered fatal accident.

The value of employer-paid life coverage above $50,000 is taxable and appears on your paycheck and W-2.

Voluntary Life and AD&DOptional employee, spouse/DP, and child coverage
Employee
$10,000–$800,000 in $1,000 increments; max 5× salary
Employee guaranteed issue
$250,000
Spouse/DP
Up to 100% of employee amount; $250,000 max
Spouse/DP guaranteed issue
$25,000
Child
$1,000 birth–6 months; up to $10,000 after 6 months
  • You must elect employee coverage before electing spouse/DP or child coverage.
  • Amounts above guaranteed issue require Evidence of Insurability (EOI).
  • If you decline when first eligible, a later election generally requires EOI for the full amount.
  • Guaranteed issue applies to your first new-hire or Open Enrollment opportunity.
  • Coverage reductions begin at age 65; see the plan document.
Beneficiaries and account accessKeep your elections and beneficiary details current

Name primary and secondary beneficiaries in ADP and review them after major life events. Some states require a spouse to be beneficiary unless the spouse signs a waiver.

For coverage or claims questions, contact Unum at (866) 679-3054. Basic plan number: 641622. Voluntary plan number: 641623.

Short-Term Disability100% of base salary for up to 12 weeks
Benefit
100% of base salary
Elimination period
0 days
Maximum payment period
12 weeks
Taxation when paid
Taxable

STD can support pregnancy and childbirth recovery, prolonged illness or injury, and surgery recovery. Benefits coordinate with income from state disability, paid family leave, and other sources.

Long-Term Disability60% of covered earnings after 90 days
Benefit
60% of base salary plus bonus/commissions
Maximum
$15,000 per month
Elimination period
90 days
Maximum payment period
Social Security Normal Retirement Age
Taxation when paid
Non-taxable

LTD can support longer-term debilitating illness, serious injury, heart attack, stroke, or mental disorders. The benefit coordinates with income from other sources.

California Voluntary Disability Insurance (VDI)Starts in 2027 · California employees only

Coming in 2027 — this plan starts January 1, 2027.

Available to California employees only. Gong's Voluntary Disability Insurance plan replaces California State Disability Insurance (SDI) for eligible Gongsters.

  • Benefits mirror the California state SDI offering, including disability and Paid Family Leave benefits.
  • Your payroll contribution is a lower percentage of wages than the state SDI contribution.
  • VDI coordinates with Gong's Short-Term Disability, so total income from all sources does not exceed the plan maximum.

Questions about VDI eligibility or claims? Email benefits@gong.io.