Life and AD&D Benefits

This benefit is 100% employer paid

Basic Group Life and Accidental Death and Dismemberment (AD&D) coverage is a 100% employer-paid benefit, provided at no cost to you. The basic life benefit will be paid to your beneficiaries in the event of your death. The AD&D benefit will be paid in the event of an injury resulting from a covered accident.

Remember to keep your beneficiary updated, which can be done anytime through the year.

When your needs call for more than Basic Life and AD&D coverage, additional Voluntary Life and AD&D coverage is available for purchase for you, your spouse and your dependent children. Coverage purchased through this plan is offered at a group discounted rate with guaranteed issue amounts.
Employees must elect coverage in order to purchase spouse or child coverage. Your contributions will
depend on your age and the amount of coverage you elect.

You will need to provide evidence of insurability for insurance if:
• You elect to initially enroll in an amount over the guarantee issue amount
• You elect to increase your current amount in excess of the guaranteed issue amount
• You declined voluntary life during your initial eligibility period and would like to enroll this year

Open Enrollment Annual Increase: If you are currently enrolled in Voluntary Life, you may elect an additional $10,000 of coverage up to the Guaranteed Issue amount without an Evidence of Insurability.