Life and AD&D Insurance

Life insurance and accidental death and dismemberment (AD&D) coverage can help you prepare for the unexpected. The chart below provides a summary of the coverage.

Life Insurance & AD&D Details | Team Members
Plan Benefit Amounts
Team Member Basic Life and AD&D
  • No cost, just elect your beneficiaries for this benefit
  • Full-time team members—coverage equal to one times annual base earnings rounded to the next higher $1,000 (maximum $1 million)
  • Part-time team members—coverage equal to $10,000
  • Term life insurance policy
  • At age 70, there are life insurance amount reductions
  • Provides coverage in case of an accidental death or dismemberment
  • Benefits are payable in the event of loss of life, limb, sight, speech, or hearing
  • Full-time team members with 10+ years of service will receive an additional $25,000 in coverage.
Team Member Optional Life and AD&D
  • May purchase coverage in increments of your base salary
  • Maximum coverage—up to 4 times your annual base salary (maximum $500,000)
  • Request to add coverage subject to completion and approval of evidence of insurability form if election not made when first eligible for coverage
  • Term life insurance policy
  • At age 70, there are life insurance amount reductions
  • For AD&D benefit, the amount matches your optional life coverage election
  • Provides coverage in case of an accidental death or dismemberment
  • Benefits are payable in the event of loss of life, limb, sight, and speech or hearing
Plan Benefit Amounts
Spouse Life
  • Coverage amount of $50,000 for spouse/ domestic partner
  • Request to add coverage subject to completion and approval of evidence of insurability form if election not made when first eligible for coverage
  • Term life insurance policy
  • At age 70, there are life insurance amount reductions
  • If you and your spouse/domestic partner are ECU Health team members, you are ineligible to cover your spouse/domestic partner
  • Benefit is employer-paid for managers; if enrolling as a manager, evidence of insurability may be required
Child Life
  • Coverage amount of $15,000 per eligible child
  • Managers receive employer-paid benefit upon enrollment
  • Term life insurance policy
  • Children can only be covered by one parent

The rates for optional insurance depend on the amount of coverage you select and your age. When you enter the enrollment system you will see the prices for coverage.

Life Insurance & AD&D Details | Providers
Plan Benefit Amounts
Providers Basic Life and AD&D
  • No cost, just elect your beneficiaries for this benefit
  • Full-time providers—coverage equal to one times annual base earnings rounded to the next higher $1,000 (maximum $1 million)
  • Part-time providers—coverage equal to $10,000
  • Term life insurance policy
  • At age 70, there are life insurance amount reductions
  • Provides coverage in case of an accidental death or dismemberment
  • Benefits are payable in the event of loss of life, limb, sight, speech, or hearing
  • Full-time providers with 10+ years of service will receive an additional $25,000 in coverage.
Providers Optional Life and AD&D
  • May purchase coverage in increments of your base salary
  • Maximum coverage—up to 4 times your annual base salary (maximum $500,000)
  • Request to add coverage subject to completion and approval of evidence of insurability form if election not made when first eligible for coverage
  • Term life insurance policy
  • At age 70, there are life insurance amount reductions
  • For AD&D benefit, the amount matches your optional life coverage election
  • Provides coverage in case of an accidental death or dismemberment
  • Benefits are payable in the event of loss of life, limb, sight, and speech or hearing
Plan Benefit Amounts
Spouse Life
  • Coverage amount of $50,000 for spouse/domestic partner
  • Request to add coverage subject to completion and approval of evidence of insurability form if election not made when first eligible for coverage
  • Term life insurance policy
  • At age 70, there are life insurance amount reductions
  • If you and your spouse/domestic partner are ECU Health providers, you are ineligible to cover your spouse/domestic partner
  • Benefit is employer-paid for managers; if enrolling as a manager, evidence of insurability may be required
Child Life
  • Coverage amount of $15,000 per eligible child
  • Managers receive employer-paid benefit upon enrollment
  • Term life insurance policy
  • Eligible until the child’s 26th birthday
  • Children can only be covered by one parent

The rates for optional insurance depend on the amount of coverage you select and your age. When you enter the enrollment system you will see the prices for coverage.

Life Insurance & AD&D Details | Residents
Plan Benefit Amounts
Residents Basic Life and AD&D
  • No cost, just elect your beneficiaries for this benefit
  • Full-time residents—coverage equal to one times annual base earnings rounded to the next higher $1,000 (maximum $1 million)
  • Part-time residents—coverage equal to $10,000
  • Term life insurance policy
  • At age 70, there are life insurance amount reductions
  • Provides coverage in case of an accidental death or dismemberment
  • Benefits are payable in the event of loss of life, limb, sight, speech, or hearing
Residents Optional Life and AD&D
  • May purchase coverage in increments of your base salary
  • Maximum coverage—up to 4 times your annual base salary (maximum $500,000)
  • Request to add coverage subject to completion and approval of evidence of insurability form if election not made when first eligible for coverage
  • Term life insurance policy
  • At age 70, there are life insurance amount reductions
  • For AD&D benefit, the amount matches your optional life coverage election
  • Provides coverage in case of an accidental death or dismemberment
  • Benefits are payable in the event of loss of life, limb, sight, and speech or hearing
Plan Benefit Amounts
Spouse Life
  • Coverage amount of $50,000 for spouse/domestic partner
  • Request to add coverage subject to completion and approval of evidence of insurability form if election not made when first eligible for coverage
  • Term life insurance policy
  • At age 70, there are life insurance amount reductions
  • If you and your spouse/domestic partner are ECU Health residents, you are ineligible to cover your spouse/domestic partner
  • Benefit is employer-paid for residents; if enrolling as a resident, evidence of insurability may be required
Child Life
  • Coverage amount of $15,000 per eligible child
  • Residents receive employer-paid benefit upon enrollment
  • Term life insurance policy
  • Eligible until the child’s 26th birthday
  • Children can only be covered by one parent

The rates for optional insurance depend on the amount of coverage you select and your age. When you enter the enrollment system you will see the prices for coverage.

Designate your beneficiary

When you enroll online for benefits, look for the prompts to designate a beneficiary for your ECU Health-provided life insurance coverage and/or your optional life insurance plans. If a beneficiary is not designated, benefits will be paid out in a specific order according to carrier policy which is legal spouse/domestic partner, children in equal shares, surviving parents in equal shares, surviving siblings in equal shares, and, lastly, to the Insured’s Estate. It is not necessary to add a beneficiary for your spousal life or child life insurance coverage since you are automatically the beneficiary for any spouse or dependent coverage you elect.

Evidence of Insurability

You may need to provide Evidence of Insurability (EOI), or proof of good health if:

  • You choose to delay enrolling when you are first eligible.
  • You want to increase coverage after you enroll.