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LIFE/AD&D

Ben E. Keith has enhanced these benefits to offer you financial protection when you need it. Click on a topic to learn more.

 

BEK-Paid Basic Life/AD&D Insurance

unum.com or 1-866-679-3054

Full-time employees automatically receive $50,000 in term life insurance:

  • Provides lump sum benefits if you die.
  • Provides a benefit if you lose a limb or suffer paralysis in an accident.
BEK Supplemental Life/AD&D

unum.com or 1-866-679-3054

  • Choose $50,000 to $950,000 in coverage in $50,000 increments.
  • If you leave BEK, you can take this coverage with you when you continue to pay premiums directly to Unum.
  • If you enroll during your initial enrollment period, you are guaranteed coverage up to $300,000.
  • Amounts over $300,000 will require Evidence of Insurability (EOI) and must be approved by Unum to be effective.
  • Rates are based on the age of the employee as of January 1, 2019.
Spouse Life/AD&D

What you need to know:

  • Choose a coverage amount 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, not to exceed $250,000. For instance, if an employee chooses $100,000, the spouse can enroll in $50,000.
  • Amounts over $50,000 require Evidence of Insurability (EOI) and must be approved by Unum to be effective.
  • Rates are based on the age of the employee as of January 1, 2019.
Child Life/AD&D

What you need to know:

  • Each child receives $10,000 in life/AD&D coverage.
  • Children up to age 26 can be covered.
  • You may enroll unmarried dependent children age 26 or older who are incapable of self-care due to a mental or physical disability. They must be fully dependent on you for support and claimed on your federal tax return.
  • Be sure to list the names of each child during enrollment when requested; otherwise, they will not have coverage.
  • Pay the same low rate of $1.50 a month—no matter how many children you enroll.