Dependent Life and Accidental Death & Dismemberment Insurance

Spouse/Partner Life Insurance

The amount of spouse/partner life coverage you elect cannot exceed 100% of your own life insurance coverage.  Spouse life insurance is available in increments of $10,000 to a maximum of $100,000.

When your spouse is first eligible, at your hire or when you are first married if later, your spouse is eligible for up to $30,000 in coverage without providing evidence of good health.  Amounts elected in excess of $30,000 require a Personal Health Statement to be submitted and approved by UNUM before taking effect.  If you do not elect spouse life insurance initially and then elect it in the future, any amount elected would be subject to evidence of good health.  Rates are calculated as of your spour or parter’s age at December 31st of the current year.

                          Spouse        
Age              Monthly Rate per $10,000
Under 25             $0.80         
25 – 29                  $0.60       
30 – 34                 $0.70       
35 – 39                 $0.90       
40 – 44                 $1.50       
45 – 49                 $2.40       
50 – 54                 $4.30       
55 – 59                 $6.90       
60 – 64                 $8.10       
65 – 69                 $13.80     
70+                      $37.40      

Dependent Life Insurance

When your children are first eligible, at your date of hire or when you first aquire your child if later, you may elect dependent life insurance for your eligible children in increments of $5,000 up to a maximum of $15,000 without evidence of good health ($20,000 coverage maximum).  If you initially decline coverage and enroll at a later date, any insurance elected in excess of $15,000 will be subject to evidence of good health.

Dependent Accidental Death & Dismemberment Insurance

The amount of spouse/partner AD&D you may elect is from $10,000 – $100,000, however, the amount of spouse/partner AD&D coverage cannot exceed your own AD&D coverage. 

 You must also have elected AD&D insurance for yourself to elect dependent AD&D insurance for your children ($5,000 – $20,000).  You may elect AD&D for your spouse/partner or dependents at a later date without evidence of good health.