Life and AD&D Benefits

Employer Paid – to all employees working a minimum of 20 hours a week.
• The benefit is equal to 1x your annual salary, up to $50,000 maximum.
• Beneficiary information can be updated as needed throughout the year.
It is important to have up-to-date information on file with Northwest Health Services.

• Coverage amount(s) will reduce according to the following schedule:
65% at age 70
45% at age 75

Employee Paid
Your Term Life and AD&D coverage options are:
Employee:
Up to 5 times salary in increments of $10,000
Not to exceed $500,000.
Spouse:
Up to 100% of employee amount in increments of $5,000.
Not to exceed $500,000. Benefits will be paid to the employee.
Child:
Up to 100% of employee coverage amount in increments of $5,000.
Not to exceed $10,000.
The maximum death benefits for a child between the ages of live birth and 6 months is $1,000. Benefits will be paid to the employee.

If you and your eligible dependents enroll within 31 days of your eligibility date, you may apply for any amount of life insurance coverage up to $140,000 for yourself and any amount of coverage up to $30,000 for your spouse. Any life insurance coverage over the Guarantee Issue amount(s) will be subject to evidence of insurability.

If you and your eligible dependents do not enroll within 31 days of your eligibility date, you can apply for coverage only during your annual enrollment period and will be required to furnish evidence of insurability for the entire amount of coverage.