Supplemental Life/AD&D

Full-time employees may purchase additional 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, try to increase coverage during annual enrollment, or if you experience a qualified family status change.
  • 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

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St. Louis, Missouri 63108
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