Life and AD&D Benefits

Life Benefit

1x annual salary to a maximum of $50,000

AD&D Benefit

1x annual salary to a maximum of $50,000

You can elect coverage in increments of $10,000

You can elect coverage for your spouse in increments of $5,000

You can elect $10,000 in coverage for your eligible dependent child(ren)

The maximum amount of coverage is $500,000

The maximum amount of coverage is $250,000.
You are not required to elect employee coverage in order to enroll your spouse

You and/or your spouse must elect coverage in order to enroll your child(ren)

The guaranteed issue amount is $100,000

If your spouse is under age 65, the guaranteed issue amount is $50,000

The guaranteed issue amount is $10,000

Age Reduction:
Age 75 - 40%
Age 80 - 65%
Age 85 - 70%
Age 90 - 80%

Age Reduction: None
Spouse coverage ends at age 70
On the date of your election, spouse must be under age 70

Child(ren) coverage is available to end of the month age 26

The guarantee issue amount is offered during your initial enrollment period (new hire offer of coverage) only. If you do not enroll at that time (or if you request coverage above the guarantee issue amount) coverage will not be issued (approved) unless Guardian approves acceptable statement of good health.

Under 30

$0.26

30-39

$0.39

40-44

$0.65

45-49

$1.04

50-54

$1.82

55-59

$3.64

60-64

$5.00

65-69

$4.95

Child(ren) Life Rate per $10,000 per Pay Period:

$1.02