{"id":8846,"date":"2021-10-27T15:40:24","date_gmt":"2021-10-27T19:40:24","guid":{"rendered":"https:\/\/www.bates.edu\/hr\/?page_id=8846"},"modified":"2026-04-09T11:32:09","modified_gmt":"2026-04-09T15:32:09","slug":"2022-life-and-accidental-death-dismemberment-insurance","status":"publish","type":"page","link":"https:\/\/www.bates.edu\/hr\/annual-benefits-enrollment-information\/2022-life-and-accidental-death-dismemberment-insurance\/","title":{"rendered":"2026 Life and Accidental Death & Dismemberment Insurance"},"content":{"rendered":"\n
<\/div>\n\n\n\n

Our Life, Accidental Death & Dismemberment and Long-term Disability Insurance carrier will remain the Hartford in 2026.\u00a0 Remaining the same in 2026, your Basic Life and Accidental Death & Dismemberment (AD&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\n\n\n

Employer-paid life insurance in excess of $50,000 is subject to tax under IRS guidelines.  See the Imputed Income Explanation<\/a> for details.  Any additional taxable income will be calculated automatically beginning in January.  Note, if your Basic Life Insurance is less than $50,000 there is no taxable income.<\/p>\n\n\n\n

There have been no changes in rates for the Employee Voluntary Life and spouse \/partner age brackets as listed below.  There has also been no change in dependent child life rates and AD&D rates.  If you or a covered spouse\/partner changed age brackets you will see an increase in costs.  The age brackets and rates are listed below:<\/p>\n\n\n\n

Age<\/th>2026 Spouse Monthly Rate Per $10,000<\/th>2026 Employee Monthly Rate Per $10,000<\/th><\/tr><\/thead>
Under 25<\/td>$0.60<\/td>$0.60<\/td><\/tr>
25 – 29<\/td>$0.60<\/td>$0.60<\/td><\/tr>
30 – 34<\/td>$0.70<\/td>$0.80<\/td><\/tr>
35 – 39<\/td>$0.90<\/td>$0.90<\/td><\/tr>
40 – 44<\/td>$1.27<\/td>$1.20<\/td><\/tr>
45 – 49<\/td>$2.04<\/td>$1.90<\/td><\/tr>
50 – 54<\/td>$3.65<\/td>$3.30<\/td><\/tr>
55 – 59<\/td>$5.86<\/td>$5.40<\/td><\/tr>
60 – 64<\/td>$6.88<\/td>$6.60<\/td><\/tr>
65 – 69<\/td>$11.73<\/td>$12.70<\/td><\/tr>
70+<\/td>$31.78<\/td>$30.30<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
\n

To make any changes to your Life or AD&D coverage for yourself or your dependents for January 1, 2026, please contact Human Resources during the Annual Enrollment Period – October 29th through November 14th.<\/strong><\/p>\n\n\n\n

(Instructions for making changes to your 2026 benefit elections)<\/a><\/p>\n<\/section>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

Our Life, Accidental Death & Dismemberment and Long-term Disability Insurance carrier will…<\/p>\n","protected":false},"author":5,"featured_media":0,"parent":8595,"menu_order":0,"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-8846","page","type-page","status-publish","hentry","with-sidebar"],"_links":{"self":[{"href":"https:\/\/www.bates.edu\/hr\/wp-json\/wp\/v2\/pages\/8846","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=8846"}],"version-history":[{"count":11,"href":"https:\/\/www.bates.edu\/hr\/wp-json\/wp\/v2\/pages\/8846\/revisions"}],"predecessor-version":[{"id":12748,"href":"https:\/\/www.bates.edu\/hr\/wp-json\/wp\/v2\/pages\/8846\/revisions\/12748"}],"up":[{"embeddable":true,"href":"https:\/\/www.bates.edu\/hr\/wp-json\/wp\/v2\/pages\/8595"}],"wp:attachment":[{"href":"https:\/\/www.bates.edu\/hr\/wp-json\/wp\/v2\/media?parent=8846"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}