Life and AD&D Insurance

Page Header


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 team members 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
  • Your diagnosis with a terminal illness; you may receive up to 80% of the benefit immediately to help pay expenses
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
  • 100% of your basic life insurance benefit
  • 25% to 100% of your basic life insurance benefit, depending on the loss, if you are seriously injured (e.g., lose a hand, foot or eyesight)



Supplemental Life Benefit Amount Benefit Maximum


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,*
$75,000* or $100,000*


Child Life

$5,000 or $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.

Confirm your eligibility and when you can enroll for life and AD&D insurance.


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 HR Talent 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

  • Log in to Infor HR Talent.
  • Click on Beneficiaries on the right side of the page.
  • Add or make your changes to your beneficiaries.


If both you and your spouse or child are Children’s Mercy team members, then:

  • You cannot be covered as both a team member and dependent (under your spouse’s plan) for life and AD&D insurance.
  • You can only elect spouse life coverage for your spouse if your spouse is ineligible to have their own coverage at Children's Mercy.
  • Between you and your spouse, only one of you can elect child life coverage.

Some insurance benefits require you to provide proof of your health before you or your dependents are eligible for coverage. The Personal Health Application (PHA) form is used to document proof of good health. If you need to submit a PHA form, The Hartford — our life insurance plan administrator — will email you instructions to submit your PHA form. You may need to provide proof of good health:

  • When you are newly eligible for coverage. You may choose coverage up to two times your annual pay rate for yourself and $25,000 for your spouse without proof of good health. Any coverage more than that amount (except child life insurance) requires proof of good health.
  • During Annual Enrollment. You may enroll in or request an increase to your level of supplemental life insurance coverage up to five times your annual pay rate. You also may enroll in or request an increase to supplemental life insurance coverage for your spouse in $25,000 increments, up to $100,000. Any increase in coverage (except child life insurance) requires proof of good health.

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.