Additional AD&D and Dependent Life Insurance


Additional AD&D Insurance (Employee and Family)

You can purchase additional AD&D protection for yourself and your family. Maximum coverage amounts include $500,000 for employees, $200,000 for spouses and $50,000 for children. In your consideration to purchase, it might be helpful to remember that Basic Life and Supplemental Life Insurance contain AD&D coverage for the employee.

Employee Costs for Additional AD&D Insurance

The costs listed below are after-tax, per-pay-period deductions based on 26 pay periods a year.

Employee Only Coverage Family Coverage
Employee Rate Per Paycheck Employee Spouse Per Child Rate Per Paycheck
$50,000 $0.37 $50,000 $20,000 $5,000 $0.65
$100,000 $0.74 $100,000 $40,000 $10,000 $1.29
$200,000 $1.48 $200,000 $80,000 $20,000 $2.58
$300,000 $2.22 $300,000 $120,000 $30,000 $3.87
$400000 $2.96 $400,000 $160,000 $40,000 $5.16
$500,000 $3.70 $500,000 $200,000 $50,000 $6.45

Dependent Life Insurance 

You can purchase life insurance for your spouse and eligible children. You can elect $20,000 or $50,000 in coverage for your spouse. The cost of coverage is based on your (the employee’s) age. You can choose $5,000 or $10,000 in coverage for your children.

Evidence of Insurability (EOI) is required for coverage for your spouse if you do not enroll when first eligible, choose to increase coverage during annual enrollment or have a "qualified status change."

Employee Costs for Dependent Life Insurance

The costs listed below are after-tax, per-pay-period deductions based on 26 pay periods a year.

Employer's Age Spouse $20,000
Rate Per Paycheck
Spouse $50,000
Rate Per Paycheck
0-29 $3.14 $7.85
30-39 $3.97 $9.92
40-49 $5.08 $12.69
50-59 $6.09 $15.23
60-69 $7.48 $18.69
70+ $10.52 $26.31
Child's Age Child(ren) $5,000
Rate Per Paycheck
Child(ren) $10,000
Rate Per Paycheck
0-26 $0.46 $0.92