Optional

Supplemental Life and AD&D Insurance

You can add to your Company-provided coverage by purchasing Supplemental Life and AD&D Insurance coverage for yourself. You pay the full cost of any supplemental coverage you elect through after-tax payroll deductions. Supplemental Life Insurance rates for team members are based on tobacco status. The certification process used for the tobacco-free discount is used to determine which rates will be applied to your life insurance election.

  • You can elect coverage of 1, 2, 3, 4 or 5 times your annual pay. The maximum supplemental benefit payable is $1,500,000—for each Life and AD&D Insurance. (Note: If your coverage was approved prior to July 1, 2009, you may have combined Basic and Supplemental Life and AD&D coverage up to $2,500,000.)
  • Life Insurance pays a benefit to your beneficiary in the event of your death (certain exclusions apply). If you don’t designate a beneficiary, benefits will be paid according to the rules of the plan.
  • AD&D Insurance pays a benefit to you if you lose sight or limb(s) as a result of an accident (on or off the job) or to your beneficiary (in addition to your Life Insurance) if you die as the result of an accident.

Spouse and Child Life Insurance

You can also purchase Life Insurance for your dependents. You pay the full cost of any coverage you elect through after-tax payroll deductions. You are automatically the beneficiary for this coverage.

You can cover:

  • Your spouse or domestic partner for $10,000, $25,000, $50,000, $75,000 or $100,000, and/or
  • Each dependent child for $5,000 or $10,000.

The amount of your Spouse Life Insurance cannot exceed 100% of your Basic and Supplemental Life Insurance combined. If you are newly eligible and enroll your covered spouse or domestic partner for Life Insurance above $25,000 or if you increase your Spouse Life Insurance more than one level during Annual Enrollment or following a Qualified Life Event, you will need to complete Evidence of Insurability (EOI) during enrollment. 

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