Life and AD&D Insurance
Having peace of mind knowing that you or your loved ones are provided for in the event of serious injury or death is important. We provide Life and Accidental Death & Dismemberment Insurance through New York Life.
Our Life and AD&D insurance is now provided through New York Life (formerly Cigna). Though the name of the carrier is changing, your benefits and costs are not changing.
How does it work?
Life and Accidental Death & Dismemberment Insurance pays a lump sum benefit to you or your beneficiaries:
- Life Insurance
- In the event of death.
- Accidental Death & Dismemberment (AD&D) Insurance
- In the event of serious injury or death as the result of an accident.
You will be automatically enrolled in Basic Life and Accidental Death and Dismemberment (AD&D) coverage, at no cost to you. You have the option to purchase voluntary, additional coverage for yourself, your spouse or your children.
What am I covered for?
| Summary of features | Who is covered | Life Insurance | Add1 |
|---|---|---|---|
| Basic | You | Two times your base earnings (rounded to the next higher $1,000) up to $400,000 | Equal to the Basic Life Insurance in place |
| Basic | Your spouse | $10,000 | Not included in Basic coverage |
| Basic | Your child(ren) | $500 from birth to 14 days old, $10,000 from 15 days old to 26 years old | Not included in Basic coverage |
| Voluntary | You | Increments of $10,000 up to three times your base earnings or $500,000 | Equal to the Voluntary Life Insurance in place |
| Voluntary | Your spouse | Increments of $5,000 up to 50% of your employee voluntary election with a maximum of $200,000 | Equal to the Voluntary Life Insurance in place |
| Voluntary | Your child(ren) | $250 from birth to 6 months old, $10,000 from 6 months old to 26 years old | Equal to the Voluntary Life Insurance in place |
| Voluntary | Guarantee Issue | $200,000 for employee, $50,000 for spouse, $10,000 for child(ren) | Equal to the Voluntary Life Insurance in place |
| Basic | |
|---|---|
| Who is covered | You |
| Life Insurance | Two times your base earnings (rounded to the next higher $1,000) up to $400,000 |
| Add1 | Equal to the Basic Life Insurance in place |
| Basic | |
| Who is covered | Your spouse |
| Life Insurance | $10,000 |
| Add1 | Not included in Basic coverage |
| Basic | |
| Who is covered | Your child(ren) |
| Life Insurance | $500 from birth to 14 days old, $10,000 from 15 days old to 26 years old |
| Add1 | Not included in Basic coverage |
| Voluntary | |
| Who is covered | You |
| Life Insurance | Increments of $10,000 up to three times your base earnings or $500,000 |
| Add1 | Equal to the Voluntary Life Insurance in place |
| Voluntary | |
| Who is covered | Your spouse |
| Life Insurance | Increments of $5,000 up to 50% of your employee voluntary election with a maximum of $200,000 |
| Add1 | Equal to the Voluntary Life Insurance in place |
| Voluntary | |
| Who is covered | Your child(ren) |
| Life Insurance | $250 from birth to 6 months old, $10,000 from 6 months old to 26 years old |
| Add1 | Equal to the Voluntary Life Insurance in place |
| Voluntary | |
| Who is covered | Guarantee Issue |
| Life Insurance | $200,000 for employee, $50,000 for spouse, $10,000 for child(ren) |
| Add1 | Equal to the Voluntary Life Insurance in place |
* Voluntary Life and AD&D benefits and Employee and Spouse Basic Life benefit will reduce by 35% at age 65, and an additional 15% at age 70.
** Base earnings is the base compensation paid to the Employee excluding bonuses, incentives and overtime pay.
Who receives the benefit?
You can choose who should receive the benefit for your Life and AD&D Insurance by designating a beneficiary. It’s important to keep your beneficiary’s information up to date so that the benefit is paid according to your wishes.
To designate a beneficiary or update their details, visit workforcenow.adp.com.
For information on how to designate a beneficiary or update their details look in your downloads section at the bottom of this page for the guide.
How much will coverage cost me?
Your coverage cost is broken down to per $1,000 of coverage. For example:
Joe is 37 years old. Joe elects $10,000 voluntary coverage for himself.
- Breakdown of per $1,000 coverage in Joe’s elected coverage: 10,000 /1,000 = 10
- 10 x age banding ($0.078) = $0.78 per check cost to Joe
Joe’s wife is 34 and he elects $5,000 Voluntary Spouse Life coverage.
- Breakdown of per $1,000 coverage in the elected coverage: 5,000/1,000 = 5
- 5 x age banding ($0.055) = $0.275 per check cost to Joe
Per-paycheck cost per $1,000 of coverage
| Employee age | Basic | Voluntary - Employee | Voluntary - Spouse | Voluntary - Children |
|---|---|---|---|---|
| < 29 | $0 Spitzer Industries pays the full cost of this coverage |
$0.055 | $0.055 | $0.092 |
| 30 - 34 | $0 Spitzer Industries pays the full cost of this coverage |
$0.055 | $0.055 | $0.092 |
| 35 - 39 | $0 Spitzer Industries pays the full cost of this coverage |
$0.078 | $0.078 | $0.092 |
| 40 - 44 | $0 Spitzer Industries pays the full cost of this coverage |
$0.115 | $0.115 | $0.092 |
| 45 - 49 | $0 Spitzer Industries pays the full cost of this coverage |
$0.180 | $0.180 | $0.092 |
| 50 - 54 | $0 Spitzer Industries pays the full cost of this coverage |
$0.263 | $0.263 | $0.092 |
| 55 - 59 | $0 Spitzer Industries pays the full cost of this coverage |
$0.383 | $0.383 | $0.092 |
| 60 - 64 | $0 Spitzer Industries pays the full cost of this coverage |
$0.623 | $0.623 | $0.092 |
| 65 - 69 | $0 Spitzer Industries pays the full cost of this coverage |
$1.103 | $1.103 | $0.092 |
| 70 - 74 | $0 Spitzer Industries pays the full cost of this coverage |
$1.574 | $1.574 | $0.092 |
| 75+ | $0 Spitzer Industries pays the full cost of this coverage |
$3.392 | $3.392 | $0.092 |
| < 29 | |
|---|---|
| Basic | $0 Spitzer Industries pays the full cost of this coverage |
| Voluntary - Employee | $0.055 |
| Voluntary - Spouse | $0.055 |
| Voluntary - Children | $0.092 |
| 30 - 34 | |
| Basic | $0 Spitzer Industries pays the full cost of this coverage |
| Voluntary - Employee | $0.055 |
| Voluntary - Spouse | $0.055 |
| Voluntary - Children | $0.092 |
| 35 - 39 | |
| Basic | $0 Spitzer Industries pays the full cost of this coverage |
| Voluntary - Employee | $0.078 |
| Voluntary - Spouse | $0.078 |
| Voluntary - Children | $0.092 |
| 40 - 44 | |
| Basic | $0 Spitzer Industries pays the full cost of this coverage |
| Voluntary - Employee | $0.115 |
| Voluntary - Spouse | $0.115 |
| Voluntary - Children | $0.092 |
| 45 - 49 | |
| Basic | $0 Spitzer Industries pays the full cost of this coverage |
| Voluntary - Employee | $0.180 |
| Voluntary - Spouse | $0.180 |
| Voluntary - Children | $0.092 |
| 50 - 54 | |
| Basic | $0 Spitzer Industries pays the full cost of this coverage |
| Voluntary - Employee | $0.263 |
| Voluntary - Spouse | $0.263 |
| Voluntary - Children | $0.092 |
| 55 - 59 | |
| Basic | $0 Spitzer Industries pays the full cost of this coverage |
| Voluntary - Employee | $0.383 |
| Voluntary - Spouse | $0.383 |
| Voluntary - Children | $0.092 |
| 60 - 64 | |
| Basic | $0 Spitzer Industries pays the full cost of this coverage |
| Voluntary - Employee | $0.623 |
| Voluntary - Spouse | $0.623 |
| Voluntary - Children | $0.092 |
| 65 - 69 | |
| Basic | $0 Spitzer Industries pays the full cost of this coverage |
| Voluntary - Employee | $1.103 |
| Voluntary - Spouse | $1.103 |
| Voluntary - Children | $0.092 |
| 70 - 74 | |
| Basic | $0 Spitzer Industries pays the full cost of this coverage |
| Voluntary - Employee | $1.574 |
| Voluntary - Spouse | $1.574 |
| Voluntary - Children | $0.092 |
| 75+ | |
| Basic | $0 Spitzer Industries pays the full cost of this coverage |
| Voluntary - Employee | $3.392 |
| Voluntary - Spouse | $3.392 |
| Voluntary - Children | $0.092 |
How do I make a claim?
Call 888.842.4462.
When asked for your Group Number, please provide:
- Life Insurance: FLX968437 for basic or FLX968438 for voluntary coverage
- Accidental Death and Dismemberment (AD&D) Insurance: OK969912 for basic or OK969913 for voluntary coverage
Downloads