Life insurance and AD&D

Basic life insurance provided free of charge

To help give you peace of mind, the health system provides benefits-eligible employees basic life insurance (group term life) through The Hartford. This benefit pays your beneficiary 1.5 times your annual salary (rounded up to the next highest $1,000), up to $1,500,000.

Cost to you: $0. The health system pays 100% of basic life insurance.

Optional supplemental life insurance for purchase

You may wish to add extra coverage, depending on your needs and circumstances. Buying supplemental life insurance for yourself, spouse and/or children adds an extra layer of protection to what the health system provides. You can only sign up for this benefit during your enrollment periods.

Newly eligible employees may elect up to the Guaranteed Issue without EOI when enrolling in coverage within 30 days of initial eligibility or status change of dependent (newly added spouse due to marriage). Any amounts over the Guaranteed Issue are subject to EOI.

Coverage options, for purchase

Employee: Lesser of 5 times salary or $500,000 (increments of $5,000).
Guaranteed issue: $200,000.
Spouse: $100,000 not to exceed 100% of the employee amount of basic and supplemental life insurance (increments of $5,000).
Guaranteed issue: $30,000.
Dependent children: $5,000 or $10,000 (ages 2 weeks to 26 years). All amounts guaranteed.

Cost to you: $0. The health system pays 100% of basic life insurance.

Evidence of Insurability (EOI): Employees enrolling for amounts over guaranteed issue or electing supplemental life insurance coverage outside their initial eligibility period are required to provide proof of medical insurability. Details about EOI, including deadlines for submitting EOI paperwork, are available at KansasHealthSystemBenefits.com/EOI.

Optional whole life insurance for purchase

Benefits-eligible employees have the option to buy an additional plan for whole life insurance through Boston Mutual for you, your spouse, children and/or grandchildren. In addition to providing death benefits to your designated beneficiaries, this coverage builds cash value that can be used while you are living. As long as premiums continue to be paid, your rate is guaranteed never to increase, and your benefit will never decrease.

Cost to you: Call the benefits help line at 888-494-9119 for more information. You can buy this coverage at any time of year.

Basic AD&D provided free of charge

This benefit is paid by the health system to help protect you and your family if you suffer a debilitating injury or die because of a covered accident. AD&D would give your beneficiary a payment equal to the employee’s basic life insurance amount.

Cost to you: $0. The health system pays 100% of basic AD&D insurance.

Optional supplemental AD&D for purchase

Supplemental AD&D provides employees extra protection in the case of an accident or death. You can purchase this coverage in increments of $10,000, up to $500,000 (or 10 times your salary, whichever is less). You can only sign up for this benefit during your enrollment periods.

Cost to you: To know your cost, go to the Benefits Connection website and click “Enroll Now” during the enrollment period.