Supplemental Life and AD&D Insurance


Full-time employees may purchase Supplemental Life and Accidental Death & Dismemberment (AD&D) coverage up to five times their annual base salary. Eligible part-time employees may purchase Supplemental Life and AD&D coverage in the amount of $15,000 or $30,000. Highlights of this benefit:

  • Your combined basic and supplemental life coverage cannot exceed $1.5 million; same for combined basic and supplemental AD&D
  • Evidence of Insurability (EOI) is required if you waive coverage when you are first eligible, choose to increase coverage during annual enrollment, or you have a qualified change in status
  • EOI is required  if you elect any amount of supplemental life coverage greater than $500,000
  • Coverage will be effective on the first day of the month following EOI approval

Employee Costs for Supplemental Life and AD&D Insurance

The costs listed below are pre-tax, per-pay-period deductions, based on 26 pay periods a year. Your coverage options and costs will be provided during your benefits enrollment.

Employee's Age Rate Per $1,000 of Coverage
<30 $0.0277
30-49 $0.0554
50+ $0.1615
Calculation Example: Round your annual base pay up to the nearest $1,000. Divide by 1,000. Multiply the result by the applicable rate.
Full-time employee age 40 with base pay of $30,000
$30,000 divided by 1,000 = 30, times $0.0554 = $1.67 per paycheck