Life & Disability

We encourage employees to take care of themselves and their loved ones – now and in the future. At times, unfortunate events such as an unexpected death or injury can take a toll on our employees and their families. We help employees through these tough times by providing the additional benefits listed below.

Group Life and Accidental Death & Dismemberment (AD&D) Highlights

Plan Funding

100% employer paid

Benefit (Employee Only)

1x Annual Salary up to $50,000

Benefit Reduction Schedule

35% at age 65; 50% at age 70+;

Watch this video to learn more about your Life Insurance

Voluntary Life Highlights

Employees who would like to supplement their group life insurance may purchase additional coverage. As long as you purchase coverage for yourself, you may purchase coverage for your spouse and children as well. For this coverage, you are responsible for the full cost. Guarantee Issue is only available when you are first eligible for coverage.

Employee Benefit

Increments of $10,000

Maximum Coverage: $500,000

Guarantee Issue3: up to $100,000

Spouse Benefit1,2

Increments of $10,000

Maximum Coverage: $200,000 not to exceed 50% of employee benefit amount

Guarantee Issue3: up to $20,000

Child(ren) Benefit1

Maximum Coverage: Birth to 14 days: $500 14 days - 26 years old: $5,000 to $10,000 in $5,000 increments

Guarantee Issue3: All Amounts

Please note - Voluntary Life and AD&D is 100% employee paid

Coverage is only available to the spouse and dependent child(ren) if the employee elects coverage.
Spouse’s rate is based on the employee’s age.
The Guarantee Issue is the dollar amount that will be issued without submitting proof of insurability, such as answering medical questions on an application or completing a medical exam. Check with your employer to see if you’re eligible for the Guarantee Issue.