We provide basic life insurance and accidental death and dismemberment (AD&D) insurance at no cost to full-time, weekend option full-time and weekend option employees to help ensure your loved ones have sufficient income in case of a death or serious accident. You do not have to enroll for basic life insurance. For additional income protection, you may choose to buy supplemental life insurance for yourself, your spouse and your children.
If you're currently enrolled in supplemental life insurance, you must re-enroll during Annual Enrollment to continue your coverage.
Basic Life | Basic AD&D | |
---|---|---|
Benefits paid as a result of |
|
Your death or serious injury as a result of an accident |
Coverage amounts | One times your annual pay rate, rounded up to the nearest $1,000 |
|
|
Supplemental Life Benefit Amount | Benefit Maximum |
---|---|---|
Employee |
One, two, three, four or five times your annual pay rate rounded up to the nearest $1,000* |
Five times your annual pay rate rounded up to the nearest $1,000, up to $1.5 million |
Spouse Life |
$25,000,* $50,000,* |
$100,000 |
Child Life |
$5,000 or $10,000 |
$10,000 |
* May require completion of the Personal Health Application form to document proof of good health.
If you enroll for employee or spouse supplemental life insurance, you're automatically enrolled in AD&D coverage as well. The amount of the additional insurance matches your supplemental life insurance election up to $100,000.
The supplemental life insurance benefit for you and your spouse will be reduced by 50% on or after the date you or your spouse attains age 80.
Designating your beneficiaries ensures that your benefits are distributed as you wish if the unthinkable happens. Please refer to the following instructions to designate beneficiaries for the benefits listed above. *Please note: The beneficiary you elect in Infor Global HR will be your beneficiary for Basic and Supplemental Life policies. You are not able to elect different beneficiaries for the different policies.*
How to Update Your Basic Life and Supplemental Life Insurance Beneficiary Information
If both you and your spouse or child are Children’s Mercy employees, then:
If you elect coverage greater than this, you'll receive instructions from The Hartford about how to submit your PHA form through its website. The increase in your coverage will not take effect until The Hartford has notified you that it has been approved.