Life and Accidental Death and Dismemberment (AD&D) insurance helps provide financial security to you and your loved ones in the case of unforeseen events.

Term Life Insurance

TIH provides basic Term Life Insurance coverage equal to your Benefits Annual Rate (BAR) at no cost to you up to a maximum of $1,000,000. You can also choose an additional one to eight times your benefits base salary in supplemental Term Life Insurance coverage. Combined basic and supplemental life insurance cannot exceed $4,000,000.

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Once you select a level of coverage when you initially enroll, you may increase your coverage at the rate of one level per year during annual benefits enrollment (provided you are actively employed). If you cancel or decrease your coverage, you will be limited to one level of increase during next year's annual benefits enrollment.

The maximum coverage available (basic plus supplemental) is $4,000,000.

Calculating BAR

Regular pay (annualized) as of September 30


Eligible cash bonuses, compensation, incentives, overtime, and premium pay from October 1 - September 30


BAR DisclosureCalculating BAR 1

For new hires, your BAR is your base pay alone. 

Evidence of insurability

If you elect supplemental Term Life Insurance coverage greater than $750,000, you must complete an evidence of insurability form in Workday. You'll need to provide evidence of good health and insurability the first time you elect supplemental term life insurance coverage greater than $750,000 and any time you increase your coverage above $750,000.

Term life insurance example

The term life insurance program provides basic coverage, as well as the option to elect various amounts of supplemental coverage. Here's how it works for a teammate with a $25,000 BAR:

Supplemental Term Life Insurance Amount of Supplemental Coverage Amount of Basic Coverage 1 x Benefits Annual Rate Total Life Insurance Coverage
No Additional Coverage $0 $25,000 $25,000
1 x Benefits Annual Rate $25,000 $25,000 $50,000
2 x Benefits Annual Rate $50,000 $25,000 $75,000
3 x Benefits Annual Rate $75,000 $25,000 $100,000
4 x Benefits Annual Rate $100,000 $25,000 $125,000
5 x Benefits Annual Rate $125,000 $25,000 $150,000
6 x Benefits Annual Rate $150,000 $25,000 $175,000
7 x Benefits Annual Rate $175,000 $25,000 $200,000
8 x Benefits Annual Rate $200,000 $25,000 $225,000

Dependent life insurance

The dependent life insurance program allows you to elect coverage for your spouse/domestic partner and/or dependent children. You may elect coverage for your spouse in $10,000 increments up to $300,000 or 50% of your combined basic and supplemental life—whichever is less. In addition, you may select from coverage levels of $7,500, $10,000, or $15,000 for eligible dependent children.

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Dependent life insurance premiums are paid on an after-tax basis so the benefits received from the program aren't taxable to you. You are the beneficiary of all dependent life insurance coverage. Your dependent children are eligible from birth until the end of the month in which they reach age 26.

If you elect dependent life insurance coverage for your domestic partner or spouse greater than $100,000, you must provide our insurance carrier, The Hartford, with evidence of good health and insurability before coverage greater than $100,000 can become effective.

Accidental death & dismemberment insurance

Accidental death and dismemberment insurance provides coverage in addition to term life insurance and dependent life insurance. The death benefit is paid to your designated beneficiary or beneficiaries if you die as the result of an accident. A percentage of the total benefit amount is paid to you if you suffer certain dismembering injuries, such as the loss of an arm, leg, hand, foot, or sight.

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You also may elect AD&D insurance for your family. Their coverage amount depends on the amount you elect for yourself. You are the beneficiary for dependent coverage.


You may elect AD&D insurance in increments from 1 to 10 times your Benefits Annual Rate (BAR) up to a maximum coverage amount of $1,000,000, whichever is lower.