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 Cigna.

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 AD&D Insurance
Basic You Two times your base earnings (rounded to the next higher $1,000) up to $200,000 Equal to the Basic Life Insurance in place
Basic Your spouse $5,000 Equal to the Basic Life Insurance in place
Basic Your child(ren) $500 from birth to 14 days old, $2,000 from 15 days old to 26 years old Equal to the Basic Life Insurance in place
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 $50,000 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 $200,000
AD&D Insurance Equal to the Basic Life Insurance in place
Basic
Who is covered Your spouse
Life Insurance $5,000
AD&D Insurance Equal to the Basic Life Insurance in place
Basic
Who is covered Your child(ren)
Life Insurance $500 from birth to 14 days old, $2,000 from 15 days old to 26 years old
AD&D Insurance Equal to the Basic Life Insurance in place
Voluntary
Who is covered You
Life Insurance Increments of $10,000 up to three times your base earnings or $500,000
AD&D Insurance 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 $50,000
AD&D Insurance 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
AD&D Insurance 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)
AD&D Insurance Equal to the Voluntary Life Insurance in place

* Voluntary Life and AD&D benefits and Employee 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.

*** Spouse Basic Life benefit will reduce by 100% at age 70.

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