Voluntary Life and AD&D  

Voluntary Life and AD&D Insurance provides an extra layer of protection allowing you to purchase additional coverage for yourself, your spouse, and/or your child(ren). All amounts elected in ADP outside of the new hire enrollment period will require approval through the Evidence of Insurability (EOI) process. If the EOI process is not started within 30 days of when you make your election the coverage will be declined.



Employee and Spouse Monthly Rates*

Employee Age Rate
15 - 29 $0.071
30 - 34 $0.095
35 - 39 $0.120
40 - 44 $0.142
45 - 49 $0.211
50 - 54 $0.353
55 - 59 $0.629
60 - 64 $0.885
65 - 69 $1.421
70+ $2.685
Children $0.240
Optional AD&D $0.190




* Rates are for each $1,000 of coverage; spouse rates are based on the age of the employee.