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Vidant Health Benefits Guide




Income Protection



Life and Accidental Death and Dismemberment (AD&D) Insurance

Life and AD&D coverage can help you prepare for the unexpected. The chart below provides a summary of the
coverage.


Plan Beneit Amounts Plan Beneit Amounts
Team Member „ No cost, just elect your beneiciaries for Spouse Life „ Coverage amount of $50,000 for spouse/
Basic Life and this beneit domestic partner
AD&D „ Full-time residents—coverage equal to „ Request to add coverage subject to
one times annual base earnings rounded completion and approval of evidence
to the next higher $1,000 (maximum of insurability form if election not made
$150,000) when irst eligible for coverage
„ Part-time residents—coverage equal to „ Term life insurance policy
$10,000 „ At age 70, there are life insurance
„ Term life insurance policy amount reductions
„ At age 70, there are life insurance „ If you and your spouse/domestic partner
amount reductions are Vidant team members, you are
„ Provides coverage in case of an ineligible to cover your spouse/domestic
accidental death or dismemberment partner

„ Beneits are payable in the event of loss „ Beneit is employer-paid for managers;
of life, limb, sight, speech, or hearing if enrolling as a manager, evidence of
insurability may be required
Team Member „ May purchase coverage in increments of
Optional Life your base salary Child Life „ Coverage amount of $10,000 per eligible
and AD&D „ Maximum coverage—up to 4 times your child
annual base salary (maximum $500,000) „ Residents receive employer-paid beneit
upon enrollment
„ Request to add coverage subject to
completion and approval of evidence „ Term life insurance policy
of insurability form if election not made „ Eligible until the child’s 26th birthday
when irst eligible for coverage „ Residents receive employer-paid beneit

„ Term life insurance policy upon enrollment
„ At age 70, there are life insurance „ Children can only be covered by one
amount reductions parent
„ For AD&D beneit, the amount matches The rates for optional insurance depend on the amount of coverage you
your optional life coverage election select and your age. When you enter the enrollment system you will see
„ Provides coverage in case of an the prices for coverage.
accidental death or dismemberment

„ Beneits are payable in the event of loss
of life, limb, sight, and speech or hearing















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