Working spouse surcharge If your spouse is currently working and eligible for medical coverage through his or her employer, you will pay a $100 monthly surcharge in addition to the medical costs per pay period. Tobacco surcharge You’ll pay $100 more per month for Ben E. Keith medical coverage if you use tobacco in any form—cigarettes, e-cigarettes, cigars, pipes, snuff or chewing tobacco. If you use tobacco but want to quit, call QuitLogix at 855-372-0040. If you are unable to participate in the tobacco cessation program because your doctor has determined that it would be medically inadvisable, Ben E. Keith will work with you to provide an alternative for you to avoid the $100 per month surcharge. Surcharge applies only to enrolled employees—not your spouse or children. Life/AD&D unum.com or 866-679-3054 BEK EMPLOYEE SUPPLEMENTAL LIFE/AD&D Choose coverage amounts of $50,000 to $950,000 in $50,000 increments. Rates are based on the age of the employee as of January 1. Find rates on mybenekeith.com. BEK SPOUSE LIFE/AD&D Choose coverage amounts of $50,000 to $250,000 in $50,000 increments. You must enroll in supplemental life/AD&D if you want to cover your spouse. Spouse coverage can be up to 50% of the employee life/AD&D amount, but not more than $250,000. Rates are based on the age of the employee as of January 1. Find rates on mybenekeith.com. BEK CHILD LIFE/AD&D You pay one amount—no matter how many children you cover up to age 26. You must enroll in supplemental life/AD&D if you want to cover your child(ren). You may enroll unmarried dependent children age 26 or older who are incapable of self care due to a mental or physical disability. Your child must be fully dependent on you for support and claimed on your federal tax return.