{"id":1814,"date":"2010-09-28T21:21:53","date_gmt":"2010-09-29T01:21:53","guid":{"rendered":"http:\/\/hub-dev.bates.edu\/hr\/?page_id=1814"},"modified":"2026-04-09T11:24:40","modified_gmt":"2026-04-09T15:24:40","slug":"life-and-disability-insurance","status":"publish","type":"page","link":"https:\/\/www.bates.edu\/hr\/benefits\/life-and-disability-insurance\/","title":{"rendered":"Life &amp; Disability Insurance"},"content":{"rendered":"<p>Bates College provides employees income protection through the Life, Accidental Death &amp; Dismemberment, and Long-term Disability Insurance Programs.\u00a0 More detailed information is available on the various insurance programs through the below links.<\/p>\n<ul>\n<li><a href=\"https:\/\/www.bates.edu\/x117727.xml\" target=\"_blank\" rel=\"noopener\">Long-term Disability Coverage (LTD)<\/a><\/li>\n<li><a href=\"https:\/\/www.bates.edu\/x117729.xml\" target=\"_blank\" rel=\"noopener\">Employee Life and Accidental Death &amp; Dismemberment (\u00a0AD&amp;D)<\/a><\/li>\n<li><a href=\"https:\/\/www.bates.edu\/hr\/benefits\/life-and-disability-insurance\/dependent-life-and-accidental-death-dismemberment-insurance\/\" target=\"_blank\" rel=\"noopener\">Dependent Life and Accidental Death &amp; Dismemberment (AD&amp;D)<\/a><\/li>\n<li><a href=\"https:\/\/www.bates.edu\/x117732.xml\" target=\"_blank\" rel=\"noopener\">Travel Accident Insurance<\/a><\/li>\n<\/ul>\n<p>Our Life, Accidental Death &amp; Dismemberment and Long-term Disability Insurance carrier has remained the Hartford for 2026.\u00a0 <strong>Remaining the same in 2026, your Basic Life and Accidental Death &amp; Dismemberment (AD&amp;D) coverage will be the greater of $50,000 or 1x your salary rounded to the next higher $1,000. <\/strong>All current supplemental coverage and beneficiary designations remain the same.<\/p>\n<p>Employer paid life insurance in excess of $50,000 is subject to tax under IRS guidelines.\u00a0 See the <a href=\"https:\/\/www.bates.edu\/hr\/files\/2011\/10\/hr-imputed-income-explanation.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Imputed Income Explanation<\/a> for details.\u00a0 Any additional taxable income will be calculated automatically beginning in January.\u00a0 Note, if your Basic Life Insurance is less than $50,000 there is not taxable income.<\/p>\n<p>There have been no changes in rates for the Employee Voluntary Life and spouse \/partner age brackets\u00a0 as listed below.\u00a0 There has also been no change in dependent child life rates and AD&amp;D rates.\u00a0 If you or a covered spouse\/partner changed age brackets you will see an increase in costs.\u00a0 The age brackets and rates are listed below.<\/p>\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Voluntary Life (per $1,000)<\/strong>\n<ul class=\"wp-block-list\">\n<li>LT 25 $0.060<\/li>\n\n\n\n<li>25-29 $0.060<\/li>\n\n\n\n<li>30-34 $0.080<\/li>\n\n\n\n<li>35-39 $0.090<\/li>\n\n\n\n<li>40-44 $0.120<\/li>\n\n\n\n<li>45-49 $0.190<\/li>\n\n\n\n<li>50-54 $0.330<\/li>\n\n\n\n<li>55-59 $0.540<\/li>\n\n\n\n<li>60-64 $0.660<\/li>\n\n\n\n<li>65-69 $1.270<\/li>\n\n\n\n<li>70-74 $3.030<\/li>\n\n\n\n<li>75+ $3.030<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Dependent Voluntary Life (per $1,000)<\/strong>\n<ul class=\"wp-block-list\">\n<li>LT 25 $0.060<\/li>\n\n\n\n<li>25-29 $0.060<\/li>\n\n\n\n<li>30-34 $0.070<\/li>\n\n\n\n<li>35-39 $0.090<\/li>\n\n\n\n<li>40-44 $0.127<\/li>\n\n\n\n<li>45-49 $0.204<\/li>\n\n\n\n<li>50-54 $0.365<\/li>\n\n\n\n<li>55-59 $0.586<\/li>\n\n\n\n<li>60-64 $0.688<\/li>\n\n\n\n<li>65-69 $1.173<\/li>\n\n\n\n<li>70-74 $3.178<\/li>\n\n\n\n<li>75+ $3.178<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p>Child Voluntary Life (per $1,000) $0.080<\/p>\n\n\n\n<p>Optional AD&amp;D &#8211; Employee (per $1,000) $0.020<br>Optional AD&amp;D &#8211; Family (per $1,000) $0.020<\/p>\n\n\n","protected":false},"excerpt":{"rendered":"<p>Bates College provides employees income protection through the Life, Accidental Death &amp;&hellip;<\/p>\n","protected":false},"author":5,"featured_media":0,"parent":27,"menu_order":9,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_hide_ai_chatbot":false,"_ai_chatbot_style":"","associated_faculty":[],"_Page_Specific_Css":"","_bates_restrict_mod":false,"_table_of_contents_display":false,"_table_of_contents_location":"","_table_of_contents_disableSticky":false,"_is_featured":false,"footnotes":"","_bates_seo_meta_description":"","_bates_seo_block_robots":false,"_bates_seo_sharing_image_id":0,"_bates_seo_sharing_image_twitter_id":0,"_bates_seo_share_title":"","_bates_seo_canonical_overwrite":"","_bates_seo_twitter_template":""},"class_list":["post-1814","page","type-page","status-publish","hentry","with-sidebar"],"_links":{"self":[{"href":"https:\/\/www.bates.edu\/hr\/wp-json\/wp\/v2\/pages\/1814","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bates.edu\/hr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.bates.edu\/hr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.bates.edu\/hr\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bates.edu\/hr\/wp-json\/wp\/v2\/comments?post=1814"}],"version-history":[{"count":12,"href":"https:\/\/www.bates.edu\/hr\/wp-json\/wp\/v2\/pages\/1814\/revisions"}],"predecessor-version":[{"id":12741,"href":"https:\/\/www.bates.edu\/hr\/wp-json\/wp\/v2\/pages\/1814\/revisions\/12741"}],"up":[{"embeddable":true,"href":"https:\/\/www.bates.edu\/hr\/wp-json\/wp\/v2\/pages\/27"}],"wp:attachment":[{"href":"https:\/\/www.bates.edu\/hr\/wp-json\/wp\/v2\/media?parent=1814"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}