Life and AD&D Benefits

Basic Group Life and Accidental Death and Dismemberment (AD&D) coverage is a 100% employer-paid benefit, provided at no cost to you. The basic life benefit will be paid to your beneficiaries in the event of your death. The AD&D benefit will be paid in the event of an injury resulting from a covered accident.

Benefits	All Other Employees	Executive
Life and AD&D Benefit	$50,000	$150,000
Guaranteed Issue Amount	$50,000	$150,000
Age Reduction Schedule	Benefits reduce by 35% of the original amount at age 65; and further reduce by: 50% of the original amount at age 70.	Benefits reduce by 35% of the original amount at age 65; and further reduce by: 50% of the original amount at age 70.

Downloads

Summary of Benefits-Executive

Summary of Benefits-All Other Employees

Summary of Benefits-Spanish

When your needs call for more than Basic Life and AD&D coverage, additional Voluntary Life and AD&D coverage coverage is a 100% employee-paid benefit.

Benefits	Employee	Spouse	Child(ren)
Life Benefit	$10,000 to $500,000 in increments of $10,000	$5,000 - $150,000 in increments of $5,000, not to exceed 50% of the employee benefit amount	In increments of $1,000 up to $10,000
Guaranteed Issue	$200,000	$25,000	$10,000

Employee Supplemental Life Monthly rates per $1,000 of coverage All Active Full-Time Employees
Age	Rate
Less than 30	$0.061
30-34	$0.081
35-39	$0.094
40-44	$0.185
45-49	$0.226
50-54	$0.358
55-59	$0.523
60-64	$0.710
65-69	$1.271
70+	$2.061
Employee Supplemental AD&D Monthly rates per $1,000 of coverage
Employee	$0.014

Dependent Supplemental Life Monthly rates per $1,000 of coverage All Active Full-Time Employees
Age	Rate
Less than 30	$0.061
30-34	$0.081
35-39	$0.094
40-44	$0.185
45-49	$0.226
50-54	$0.358
55-59	$0.523
60-64	$0.710
65-69	$1.271
70+	$2.061
Child	$0.240
Dependent Supplemental AD&D Monthly rates per $1,000 of coverage All Active Ful-Time Employees
Spouse	$0.014
Child(ren)	$0.051

Downloads

Summary of Benefits-Executive

Summary of Benefits-All Other Employees

Summary of Benefits-Spanish

Group Number

00072874

Provided By

Guardian

Provider Website

https://www.guardianlife.com/life-insurance

Customer Service

800.627.4200