UNUM Life and AD&D

Basic Life and AD&D

dbt Labs provides you and your family with income protection at no cost to you and the option to purchase additional coverage if desired. Basic Life and Accidental Death and Dismemberment (AD&D) provides a cash benefit to you or your loved ones in the event of death or a serious injury.
    • Basic Life and AD&D coverage is provided at no cost to eligible employees through UNUM
    • Basic Life and AD&D coverage provides a cash benefit upon your death of 100% of your annual earnings, up to a maximum of $250,000.
Voluntary Life and AD&D

    • $10,000 up to a maximum of $500,000
    • Guarantee Issue: $100,000


    • Increments of $5,000 to a lesser of $250,000 or up to 100% of EE amount
    • Guarantee Issue: $25,000


    • Increments of $2,000 to $10,000
    • Guarantee Issue: $10,000

Evidence of Insurability (EOI)

You may be required to complete an Evidence of Insurability (EOI) form for coverage in excess of $100,000.  If you opt to not enroll in voluntary life coverage for you or any of your eligible dependents during the 2021 Open Enrollment or when you are a new hire, any election of this coverage in the future will require an EOI (even if it is below $100,000).  An EOI will also be required at Open Enrollment and after the 2021 Open Enrollment period for any supplemental life enrollments.