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Coverage for Your Spouse

You can secure AD&D insurance for your spouse if you select coverage for yourself.

AD&D (Accidental Death & Dismemberment) | Spouse
50% of the employee coverage amount ($250,000
Maximum coverage amount
maximum) in $5,000 increments
Minimum coverage amount $5,000

Maximum AD&D (Accidental Death & Dismemberment) Coverage Amount
 You can choose a coverage amount up to 50% of your coverage amount ($250,000 maximum) in $5,000
increments for your spouse.
 The spouse AD&D coverage amount will reduce by 65% when you reach age 65 and an additional 70% of
the original amount when you reach age 70. Benefits end when you retire.

 For complete plan details, please see your contract.

Bi-Weekly Premium Calculation for Your Spouse
Coverage Bi-Weekly
Amount Premium
The estimated bi-weekly premium for AD&D insurance is determined by
$5,000 $0.05
multiplying the desired amount of coverage (in increments of $5,000) by
$25,000 $0.05
the premium rate. See table at right for select coverage amounts.
$100,000 $0.05
$250,000 $0.05 $____________ X 0.0000092 = $_______________

coverage amount premium rate bi-weekly premium

Note: Rates are subject to change and can vary over time.

AD&D Insurance Summary of Benefits
LFE-ENRO-BRC001-TX