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.
