Life and AD&D Benefits

Basic Group Life and Accidental Death and Dismemberment (AD&D) coverage is a 100% employer-paid benefit, provided at no cost to you. The basic life benefit will be paid to your beneficiaries in the event of your death. The AD&D benefit will be paid in the event of an injury resulting from a covered accident.

Benefits
Life Benefit	$25,000
AD&D Benefit	$25,000
Guaranteed Issue	Up to the maximum benefit
Waiting Period	First of the month following 30 days of employment
Benefit Reduction	Ages 70+ benefit decreases to 65%

Downloads

Summary of Benefits

When your needs call for more than Basic Life and AD&D coverage, additional Voluntary Life and AD&D coverage is available for purchase for you, your spouse and your dependent children. Coverage purchased through this plan is offered at a group discounted rate with guaranteed issue amounts. Employees must elect coverage in order to purchase spouse or child coverage.

	Benefits
Eligibility	First of the month following 60 days of employment
Employee
Benefit Maximum	Increments of $10,000 up to $300,000
Guaranteed Issue	$300,000 or 5 times annual earnings (whichever is less)
Spouse	Employee must elect Voluntary Life and AD&D to elect Spouse Voluntary Life and AD&D
Benefit Maximum	Increments of $5,000 up to $50,000 (cannot exceed 100% of employee coverage)
Guaranteed Issue
Child(ren)	Employee must elect Voluntary Life and AD&D to elect Child Voluntary Life and AD&D
Benefit Maximum	Increments of $5,000 up to $10,000
Guaranteed Issue	Up to the maximum benefit
Child Eligibility	Unmarried dependent children from birth to age 26

Employee/Spouse rates	per $1,000
Age	Rate
<20	$0.071
20-24	$0.071
25-29	$0.071
30-34	$0.074
35-39	$0.097
40-44	$0.144
45-49	$0.229
50-54	$0.373
55-59	$0.599
60-64	$0.894
65-69	$1.649
70-74	$3.216
75+	$3.216
Child(ren)	$0.147

Downloads

Summary of Benefits

Provided By

Sun Life

Provider Website

https://www.sunlife.com/us/en/

Customer Service

800.786.5433

Resources

Frequently Asked Questions