Life and AD&D

Life and AD&D insurance are important parts of your financial security, especially if others depend on you for support. Your Company-Paid Life and AD&D Insurance coverage amount is based on your employee status. The specific coverage amount provided to each employee group is listed in the table on the right.

Coverages

Coverage	Carrier	Paid By	Eligibility	Benefit Amount	Maximum Benefit	Age Reduction Schedule	Coverage Increment	Guaranteed Issue Amount	Evidence Of Insurability Threshold
Company-Paid Life Insurance — Hourly Employees	Lincoln Financial Group	Company-paid	Hourly Employees	1x salary up to $650,000	$650,000	Life Insurance age reductions apply; see policy documents for details.	-	-	-
Company-Paid Life Insurance — Salaried Employees	Lincoln Financial Group	Company-paid	Salaried Employees	2x salary up to $650,000	$650,000	Life Insurance age reductions apply; see policy documents for details.	-	-	-
Company-Paid AD&D Insurance — Hourly Employees	Lincoln Financial Group	Company-paid	Hourly Employees	1x salary up to $650,000	$650,000	Life Insurance age reductions apply; see policy documents for details.	-	-	-
Company-Paid AD&D Insurance — Salaried Employees	Lincoln Financial Group	Company-paid	Salaried Employees	2x salary up to $650,000	$650,000	Life Insurance age reductions apply; see policy documents for details.	-	-	-
Employee Life Insurance	Lincoln Financial Group	Employee	In order to elect coverage for your spouse/domestic partner and/or dependent child(ren), you are required to elect coverage for yourself.	1,2,3 or 4x Salary up to a maximum of $350,000	$350,000	Life Insurance age reductions apply; see policy documents for details.	1,2,3 or 4x Salary	Lesser of 3x salary or $100,000	Should you choose to waive coverage now, but wish to elect these benefits during the next enrollment period, these benefits may require evidence of insurability.
Spouse/Domestic Partner Life Insurance	Lincoln Financial Group	Employee	In order to elect coverage for your spouse/domestic partner and/or dependent child(ren), you are required to elect coverage for yourself.	Units of $5,000 up to a maximum of $175,000 not to exceed 50% of the employees benefits	$175,000 not to exceed 50% of the employees benefits	Life Insurance age reductions apply; see policy documents for details.	Units of $5,000	$25,000	Should you choose to waive coverage now, but wish to elect these benefits during the next enrollment period, these benefits may require evidence of insurability.
Child Life Insurance	Lincoln Financial Group	Employee	In order to elect coverage for your spouse/domestic partner and/or dependent child(ren), you are required to elect coverage for yourself.	Units of $1,000 up to a maximum of $10,000	$10,000	Life Insurance age reductions apply; see policy documents for details.	Units of $1,000	$10,000	Should you choose to waive coverage now, but wish to elect these benefits during the next enrollment period, these benefits may require evidence of insurability.
Employee AD&D Insurance	Lincoln Financial Group	Employee	In order to elect coverage for your spouse/domestic partner and/or dependent child(ren), you are required to elect coverage for yourself.	$10,000 increments up to a maximum of 5x salary or $500,000	5x salary or $500,000	-	$10,000 increments	-	-
Spouse/Domestic Partner AD&D Insurance	Lincoln Financial Group	Employee	In order to elect coverage for your spouse/domestic partner and/or dependent child(ren), you are required to elect coverage for yourself.	60% of the employee coverage amount up to a maximum of $250,000	$250,000	-	-	-	-
Child AD&D Insurance	Lincoln Financial Group	Employee	In order to elect coverage for your spouse/domestic partner and/or dependent child(ren), you are required to elect coverage for yourself.	20% of the employee coverage amount up to a maximum of $10,000	$10,000	-	-	-	-
Spouse/Domestic Partner AND Child AD&D Insurance	Lincoln Financial Group	Employee	In order to elect coverage for your spouse/domestic partner and/or dependent child(ren), you are required to elect coverage for yourself.	Spouse/Domestic Partner = 50% of the employee coverage amount, up to a maximum of $250,000 Child = 15% of the employee coverage amount, up to a maximum of $10,000	Spouse/Domestic Partner: $250,000; Child: $10,000	-	-	-	-

Company-Paid Life Insurance — Hourly Employees

Carrier: Lincoln Financial Group
Paid By: Company-paid
Eligibility: Hourly Employees
Benefit Amount: 1x salary up to $650,000
Maximum Benefit: $650,000
Age Reduction Schedule: Life Insurance age reductions apply; see policy documents for details.
Coverage Increment: -
Guaranteed Issue Amount: -
Evidence Of Insurability Threshold: -

Company-Paid Life Insurance — Salaried Employees

Carrier: Lincoln Financial Group
Paid By: Company-paid
Eligibility: Salaried Employees
Benefit Amount: 2x salary up to $650,000
Maximum Benefit: $650,000
Age Reduction Schedule: Life Insurance age reductions apply; see policy documents for details.
Coverage Increment: -
Guaranteed Issue Amount: -
Evidence Of Insurability Threshold: -

Company-Paid AD&D Insurance — Hourly Employees

Carrier: Lincoln Financial Group
Paid By: Company-paid
Eligibility: Hourly Employees
Benefit Amount: 1x salary up to $650,000
Maximum Benefit: $650,000
Age Reduction Schedule: Life Insurance age reductions apply; see policy documents for details.
Coverage Increment: -
Guaranteed Issue Amount: -
Evidence Of Insurability Threshold: -

Company-Paid AD&D Insurance — Salaried Employees

Carrier: Lincoln Financial Group
Paid By: Company-paid
Eligibility: Salaried Employees
Benefit Amount: 2x salary up to $650,000
Maximum Benefit: $650,000
Age Reduction Schedule: Life Insurance age reductions apply; see policy documents for details.
Coverage Increment: -
Guaranteed Issue Amount: -
Evidence Of Insurability Threshold: -

Employee Life Insurance

Carrier: Lincoln Financial Group
Paid By: Employee
Eligibility: In order to elect coverage for your spouse/domestic partner and/or dependent child(ren), you are required to elect coverage for yourself.
Benefit Amount: 1,2,3 or 4x Salary up to a maximum of $350,000
Maximum Benefit: $350,000
Age Reduction Schedule: Life Insurance age reductions apply; see policy documents for details.
Coverage Increment: 1,2,3 or 4x Salary
Guaranteed Issue Amount: Lesser of 3x salary or $100,000
Evidence Of Insurability Threshold: Should you choose to waive coverage now, but wish to elect these benefits during the next enrollment period, these benefits may require evidence of insurability.

Spouse/Domestic Partner Life Insurance

Carrier: Lincoln Financial Group
Paid By: Employee
Eligibility: In order to elect coverage for your spouse/domestic partner and/or dependent child(ren), you are required to elect coverage for yourself.
Benefit Amount: Units of $5,000 up to a maximum of $175,000 not to exceed 50% of the employees benefits
Maximum Benefit: $175,000 not to exceed 50% of the employees benefits
Age Reduction Schedule: Life Insurance age reductions apply; see policy documents for details.
Coverage Increment: Units of $5,000
Guaranteed Issue Amount: $25,000
Evidence Of Insurability Threshold: Should you choose to waive coverage now, but wish to elect these benefits during the next enrollment period, these benefits may require evidence of insurability.

Child Life Insurance

Carrier: Lincoln Financial Group
Paid By: Employee
Eligibility: In order to elect coverage for your spouse/domestic partner and/or dependent child(ren), you are required to elect coverage for yourself.
Benefit Amount: Units of $1,000 up to a maximum of $10,000
Maximum Benefit: $10,000
Age Reduction Schedule: Life Insurance age reductions apply; see policy documents for details.
Coverage Increment: Units of $1,000
Guaranteed Issue Amount: $10,000
Evidence Of Insurability Threshold: Should you choose to waive coverage now, but wish to elect these benefits during the next enrollment period, these benefits may require evidence of insurability.

Employee AD&D Insurance

Carrier: Lincoln Financial Group
Paid By: Employee
Eligibility: In order to elect coverage for your spouse/domestic partner and/or dependent child(ren), you are required to elect coverage for yourself.
Benefit Amount: $10,000 increments up to a maximum of 5x salary or $500,000
Maximum Benefit: 5x salary or $500,000
Age Reduction Schedule: -
Coverage Increment: $10,000 increments
Guaranteed Issue Amount: -
Evidence Of Insurability Threshold: -

Spouse/Domestic Partner AD&D Insurance

Carrier: Lincoln Financial Group
Paid By: Employee
Eligibility: In order to elect coverage for your spouse/domestic partner and/or dependent child(ren), you are required to elect coverage for yourself.
Benefit Amount: 60% of the employee coverage amount up to a maximum of $250,000
Maximum Benefit: $250,000
Age Reduction Schedule: -
Coverage Increment: -
Guaranteed Issue Amount: -
Evidence Of Insurability Threshold: -

Child AD&D Insurance

Carrier: Lincoln Financial Group
Paid By: Employee
Eligibility: In order to elect coverage for your spouse/domestic partner and/or dependent child(ren), you are required to elect coverage for yourself.
Benefit Amount: 20% of the employee coverage amount up to a maximum of $10,000
Maximum Benefit: $10,000
Age Reduction Schedule: -
Coverage Increment: -
Guaranteed Issue Amount: -
Evidence Of Insurability Threshold: -

Spouse/Domestic Partner AND Child AD&D Insurance

Carrier: Lincoln Financial Group
Paid By: Employee
Eligibility: In order to elect coverage for your spouse/domestic partner and/or dependent child(ren), you are required to elect coverage for yourself.
Benefit Amount: Spouse/Domestic Partner = 50% of the employee coverage amount, up to a maximum of $250,000 Child = 15% of the employee coverage amount, up to a maximum of $10,000
Maximum Benefit: Spouse/Domestic Partner: $250,000; Child: $10,000
Age Reduction Schedule: -
Coverage Increment: -
Guaranteed Issue Amount: -
Evidence Of Insurability Threshold: -