Protecting Your & Your Family

Life and Accidental Death & Dismemberment (AD&D) Insurance

Administered by Lincoln Financial Group

At no cost to you, eligible employees are automatically enrolled in company-paid basic Life and Accidental Death and Dismemberment (AD&D) insurance.

View your company-paid basic Life and AD&D coverage by navigating to UKG Pro > Myself > Benefits > Manage My Benefits.

What’s the difference between Life and AD&D insurance?

Life and AD&D insurance both serve important but separate needs. Knowing the difference is crucial to buying the right type of coverage and amount for your needs.

Life insurance protects your family by paying a benefit if you die from an illness, accident, or any other cause.

AD&D insurance pays a benefit only if you are killed or injured due to an accident. If a covered accident1 causes your death, your beneficiary receives a benefit from the plan. If a covered accident1 causes you to lose a body part or the ability to hear, see, or speak, you receive a benefit from the plan.

Log in to UKG Pro for more details about these plans and to verify or update your beneficiary information.

What else do I need to know?

You can purchase additional coverage for you, your spouse/domestic partner, and your children. To enroll your spouse/domestic partner or child, you must also buy coverage for yourself.

During your initial new hire or newly eligible enrollment, you have the one-time opportunity to enroll in coverage up to the guarantee issue (GI) amounts (see table) without submitting proof of good health (known as Evidence of Insurability, or EOI). If you choose to elect or increase Voluntary Life coverage in the future during a life event or Open Enrollment, you must complete an EOI within 30 days. Use the MyLincolnPortal.com (company code: ROPER) to complete the online EOI form.

Voluntary Life and AD&D Options2
For you $10,000 increments up to the lesser of 5x salary or $750,000*
(New hires can elect up to $300,000 guarantee issue without EOI)
For your spouse or domestic partner1 $5,000 increments up to 100% of your benefit, not to exceed $250,000*
(New hires can elect up to $50,000 guarantee issue without EOI)
For your dependent children1 $10,000 for each dependent child

1 An individual can be covered as an employee and as a dependent. Dependent children can be covered by both insured parents.

2 AD&D is not subject to Evidence of Insurability (EOI).

Note: On January 1 after you turn age 65, the elected amount of the basic and Voluntary Life and AD&D benefits will be reduced.

Monthly Voluntary Life and AD&D Rates1
Employee/Spouse
Age on 1/1/2022
Life Rate/$1,000
of Coverage
AD&D Rate/$1,000 of Coverage
<25 $0.05 $0.02
25–29 $0.06 $0.02
30–34 $0.08 $0.02
35–39 $0.09 $0.02
40–44 $0.110 $0.02
45–49 $0.173 $0.02
50–54 $0.310 $0.02
55–59 $0.495 $0.02
60–64 $0.775 $0.02
65–69 $1.375 $0.02
70–74 $2.210 $0.02
75+ $2.648 $0.02
Child Life Rate/$10,000
of Coverage
AD&D Rate/$10,000
of Coverage
Child Monthly Rate2 $0.90 $0.02

1 Contributions in UKG Pro will be reflected as a per-pay amount and will change if your salary/eligible earnings change throughout the year.

2 If you elect voluntary child life and AD&D coverage for your child(ren), you’ll pay only the amount listed, regardless of the number of children you’re covering.

Questions? Please click on Contacts & Resources for help