If your annual base salary (one, two or three times level) exceeds $500,000 and you’re interested in purchasing the extra coverage above this guaranteed limit, proof of good health is required. Your combined coverage — basic life (company-paid) and supplemental life — cannot exceed a maximum of $1,500,000.

Employees age 65 or older, your employer-paid basic life and employee-paid supplemental life benefit will be reduced by 35% for ages 65–69 and 50% for ages 70+.

If you choose not to select supplemental life for yourself as a new hire and want to select it during open enrollment, or if you experience a qualifying life event, proof of good health (EOI - Evidence of Insurability) will be required for your enrollment.

Contact HR Services for help with this process.

If you choose not to select supplemental life for yourself as a new hire and want to select it during open enrollment, or if you experience a qualifying life event, proof of good health (EOI - Evidence of Insurability) will be required for your enrollment.

Contact HR Services for help with this process.

This supplemental life insurance provides extra protection to cover the life of your spouse or domestic partner. You must elect coverage for yourself in order to elect coverage for your spouse or domestic partner. The cost of this plan is based upon the employee’s age.

If you’re interested in purchasing this coverage, you may elect up to 100% of your supplemental life insurance amount up to a maximum benefit of $500,000. You are not eligible for this benefit if your spouse is also an employee of the company. Evidence of Insurability will be required to gain coverage for spouses enrolling outside of their initial eligibility window.

The rates you pay for supplemental life insurance for yourself are based on your age and salary. The rate you pay for your spouse/domestic partner are based on 50% of your elected amount.  If you receive a base pay change or change age bands due to a birthday, your premium will increase in the pay period following the age or pay change.

To calculate your monthly premium, find the employee age below. Divide your life insurance value by 1,000 and then multiply it by the rate from the table below. Premiums must be calculated individually for each covered individual.

For example: for a 50-year-old employee

Let's assume Insurance Value = $50,000
Monthly Rate per $1,000 of Coverage = .34  (referred from table)

Therefore, Cost for Supplemental Life Insurance will be
(Insurance Value/ 1000) x Monthly Rate = ($50,000 / 1000) x .34 = $17.00 per month rate

This program pays a death benefit if a covered child should die. You may elect a $10,000 life benefit at flat rate of $31.20 annually, divided and paid in equal payroll installments throughout the year. This rate includes all eligible children up to age 26. Coverage can continue for disabled children over age 26 if they are currently insured in the plan and the employee is the main source of support and maintenance.