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• <br /> The following Option 1 depicts the total per employee for STD, LTD, AD&D/Life Insurance. The <br /> monthly premiums would be Included in the established monthly benefit program. In short, there Is <br /> no added cost to the City. <br /> The Inclusion of STD, LTD AD & D/Life Insurance would make a well- rounded employee benefits <br /> package. <br />