Optional Life and AD&D Insurance
You can elect optional life and AD&D coverage through Lincoln Financial in the benefits enrollment system.
Review rates and employee contributions to determine cost of coverage for optional life and AD&D insurance.
The following optional life insurance options are available:
- For yourself in increments of $10,000, up to a maximum of $1,000,000.
- For your spouse or domestic partner in increments of $5,000, up to a maximum of $500,000 or 50 percent of your coverage (whichever is less).
- For your dependent children in increments of $2,000. Coverage for dependent children is limited to a maximum of $20,000 or 50 percent of your coverage (whichever is less).
Please note: you must elect optional employee life coverage to elect coverage for your spouse, domestic partner or children.
Depending on the amount of coverage elected and timing of your election, you may be required to submit Evidence of Insurability.
The following optional AD&D insurance options are available:
- For yourself in increments of $10,000, up to a maximum of $1,000,000 or five times your annual benefit salary (whichever is less).
- For your spouse or domestic partner in increments of $5,000, up to a maximum of $500,000 or 50 percent of your coverage (whichever is less).
- For your dependent children in increments of $2,000. Coverage for dependent children is limited to a maximum of $20,000 or 50 percent of your coverage (whichever is less).
You may purchase optional AD&D regardless of whether you purchase optional life; however, you must elect optional employee AD&D coverage to elect coverage for your spouse, domestic partner or dependent children.