Life and AD&D Insurance

Life insurance and Accidental Death and Dismemberment (AD&D) insurance provides financial protection to you and your family in the event of death or serious accident. Basic Life and AD&D is insured through Prudential at no cost to you.

Life and AD&D Insurance

Basic Life & AD&D

Coverage	Paid By	Benefit Amount	Maximum Benefit	Age Reduction
Basic Life	Employer	3 times annual earnings to a maximum of $750,000	$750,000	Reduce by 35% at age 70, and 50% at age 75
Basic AD&D	Employer	3 times annual earnings to a maximum of $750,000	$750,000	Reduce by 35% at age 70, and 50% at age 75

Basic Life

Paid By: Employer
Benefit Amount: 3 times annual earnings to a maximum of $750,000
Maximum Benefit: $750,000
Age Reduction: Reduce by 35% at age 70, and 50% at age 75

Basic AD&D

Paid By: Employer
Benefit Amount: 3 times annual earnings to a maximum of $750,000
Maximum Benefit: $750,000
Age Reduction: Reduce by 35% at age 70, and 50% at age 75

Voluntary Life & AD&D Insurance

Coverage For	Paid By	Benefit Amount	Maximum Benefit	Guaranteed Issue	Evidence of Insurability
Associate	Employee	1x annual earnings or 2x annual earnings or 3x annual earnings	The lesser of 3x annual earnings or $500,000	The lesser of 3x annual earnings or $250,000	After 31 days from eligibility
Spouse	Employee	$10,000 or $20,000	-	-	After 31 days from your initial eligibility
Child(ren)	Employee	$5,000 or $10,000	-	-	-

Associate

Paid By: Employee
Benefit Amount: 1x annual earnings or 2x annual earnings or 3x annual earnings
Maximum Benefit: The lesser of 3x annual earnings or $500,000
Guaranteed Issue: The lesser of 3x annual earnings or $250,000
Evidence of Insurability: After 31 days from eligibility

Spouse

Paid By: Employee
Benefit Amount: $10,000 or $20,000
Maximum Benefit: -
Guaranteed Issue: -
Evidence of Insurability: After 31 days from your initial eligibility

Child(ren)

Paid By: Employee
Benefit Amount: $5,000 or $10,000
Maximum Benefit: -
Guaranteed Issue: -
Evidence of Insurability: -