Optional Life and Accidental Death & Dismemberment (AD&D) insurance is also available to protect your spouse (or state registered domestic partner) and/or dependent children. The amount of spouse Life Insurance is elected as a dollar amount of $5,000 or in $10,000 units to a maximum of $100,000. Your spouse must provide evidence of insurability for amounts above $20,000. Coverage may not exceed 50% of your own insured amount.
You may elect $5,000 or $10,000 of life insurance for dependent children. Coverage for a dependent child may continue through age 25 if unmarried. Coverage many not exceed 50% of your own insured amount.
Optional AD&D for Spouse Only (or state registered domestic partner) coverage is equal to 50% of optional AD&D coverage elected for yourself. Dependent Children Only coverage provides 15% of your own optional AD&D coverage per child. A Family option provides 40% of your own insurance as coverage for your spouse and 10% coverage per child.
| Spouse Life Insurance | $5,000 or in $10,000 units up to $100,000. Guaranteed acceptance amount is $20,000. Coverage over $20,000 subject to approval by Cigna. Coverage is reduced at age 65 and again at age 70. |
|---|---|
| Spouse AD&D Insurance | 50% of the employee’s optional AD&D election |
| Dependent Child Life Insurance | $5,000 or $10,000 |
| Dependent Child AD&D Insurance | 15% of the employee’s optional AD&D election |
| Family AD&D Insurance | 40% of the employee’s optional AD&D election for a spouse and 10% per child |