Life and AD&D insurance

If you regularly work 20 or more hours per week, you automatically receive free basic life and accidental death and dismemberment (AD&D) insurance equal to your annual pay.

For additional protection, you can purchase supplemental life insurance coverage for yourself and your family.

In 2025, you can choose coverage from 1 to 8 times your annual pay, up to a maximum of $5 million. You may be required to provide evidence of insurability (EOI).

Beginning January 1, 2026, you can purchase supplemental life insurance coverage of up to 10 times your annual pay up to a maximum of $5 million for employees and your families. Depending on the coverage you choose, you may be required to provide EOI.

The expanded coverage options also apply to supplemental accidental death and dismemberment (AD&D) insurance for 2026.

In 2026, new hires can elect supplemental life insurance coverage up to the lesser of 3 times annual salary or $500,000 without providing evidence of insurability (EOI). New hires who enroll after 30 days or increase their coverage after the initial enrollment period will need to provide EOI to increase coverage.