Page 14 - 2019 CareHere Enrollment Guide
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2019 BENEFITS ENROLLMENT
LIFE AND DISABILITY INSURANCE
Life and Disability insurance is available for regular full-time employees who are actively working a minimum of 30
hours per week. Life and disability insurance is provided through Cigna.
Basic Life and Employee Voluntary Life
Accidental Death You are eligible to purchase additional voluntary life insurance in increments
and Dismemberment of $10,000 up to the lesser of 5 times your annual salary or $500,000. You may
(AD&D) elect up to $200,000 without completing Evidence of Insurability (EOI). At age
The company automatically provides 70, your coverage will reduce to 65% of the amount in force. Once you turn 75,
you a benefit of $50,000, at no cost to coverage will be reduced to 50% of the amount in force prior to age 70.
you, for life and accidental death and
dismemberment insurance. Spouse and Dependent Voluntary Life
If you elect voluntary life coverage for yourself, you can also elect voluntary life
Please log onto ADP to designate coverage for your spouse in increments of $5,000 up to the lesser of $250,000
or update your beneficiaries for or 100% of the employee elected amount. You may elect $35,000 of coverage
this coverage. for your spouse without completing evidence of insurability. At age 70,
coverage will reduce to 65% of the amount in force. Once your spouse turns
75, coverage will be reduced to 50% of the amount in force prior to age 70. The
spouse life insurance rates are based on the employee’s age and will be reflected
in ADP. Dependent child life coverage is available in $2,000 increments up to
$10,000 for children age 6 months to 26.
* You must be considered “actively at work” on January 1st if an increase is requested
during annual enrollment.
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LIFE AND DISABILITY INSURANCE
Life and Disability insurance is available for regular full-time employees who are actively working a minimum of 30
hours per week. Life and disability insurance is provided through Cigna.
Basic Life and Employee Voluntary Life
Accidental Death You are eligible to purchase additional voluntary life insurance in increments
and Dismemberment of $10,000 up to the lesser of 5 times your annual salary or $500,000. You may
(AD&D) elect up to $200,000 without completing Evidence of Insurability (EOI). At age
The company automatically provides 70, your coverage will reduce to 65% of the amount in force. Once you turn 75,
you a benefit of $50,000, at no cost to coverage will be reduced to 50% of the amount in force prior to age 70.
you, for life and accidental death and
dismemberment insurance. Spouse and Dependent Voluntary Life
If you elect voluntary life coverage for yourself, you can also elect voluntary life
Please log onto ADP to designate coverage for your spouse in increments of $5,000 up to the lesser of $250,000
or update your beneficiaries for or 100% of the employee elected amount. You may elect $35,000 of coverage
this coverage. for your spouse without completing evidence of insurability. At age 70,
coverage will reduce to 65% of the amount in force. Once your spouse turns
75, coverage will be reduced to 50% of the amount in force prior to age 70. The
spouse life insurance rates are based on the employee’s age and will be reflected
in ADP. Dependent child life coverage is available in $2,000 increments up to
$10,000 for children age 6 months to 26.
* You must be considered “actively at work” on January 1st if an increase is requested
during annual enrollment.
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