Voluntary Spouse Life/AD&D Insurance

You also have the option to purchase Life/AD&D insurance for your dependents. When you insure a dependent, you are automatically the beneficiary, meaning you receive the benefit if your covered dependent dies. Keep in mind you cannot enroll a spouse or any dependent unless you also enroll.

If you waive voluntary life/AD&D coverage at the time of your new hire enrollment, you can request to enroll later; however, you may be required to go through medical underwriting and approval by Your Provider for any amount of coverage.

Benefit

Pays you a benefit if your spouse should die.

Minimum is $5,000. Maximum is $100,000, but not to exceed 100% of employees elected amount (employee must enroll in order to purchase spouse coverage) Accidental Death & Dismemberment (AD&D) coverage is part of your election of voluntary life coverage. Accidental death and dismemberment (AD&D) insurance can help protect your family’s finances in the event of the loss of your life or limb(s). It can be an affordable way to supplement your life insurance or medical coverage if you’re seriously injured or die as a result of an accident.

Guaranteed Issue Amount

The maximum amount of coverage you can choose without providing a statement of health (called Evidence of Insurability or EOI).

$20,000

Is EOI Required?

Evidence of Insurability (EOI) is a statement of health, sometimes required by an insurance company before they will insure you.

Yes, for amounts over $20,000.

Any amount elected after original eligibility will require EOI.