Income Protection Buckle provides company-paid basic life and AD&D insurance, with options to add Teammate-paid supplemental life and disability plans (short term and long term), helping to protect your income if you are unable to work. Teammates earn 40 hours of sick time per year (or more where required by law), prorated for the first partial year; up to 80 hours of sick time may be carried over from one year to another with a maximum of 80 hours of sick time per year including carryover.