Employer-Paid Basic Life insurance
Life insurance provides financial support to your loved ones in the event of your passing. The coverage can help pay for expenses such as funeral costs, debts, or ongoing living costs for your family. Term Life Insurance is provided at no cost to you.
Should you need additional life insurance you can choose the Voluntary Term Life Benefit when you are enrolling in your benefits. Rates are based on the amount of life insurance you choose and your age.
You will find your benefit amount when you enroll in ADP's enrollment module.
Value-Added Services - at no cost to you!
1. Employee Assistance Program Professionals are available 24/7/365 to provide you and your loved ones confidential resources for assistance with personal and workplace issues.
Access EAP services by calling 1-800-854-1446
2. Travel Assistance Provides assistance for your travels over 100 miles away from home or outside of the country.
Voluntary (Employee Paid) Life and AD&D
Voluntary Supplemental Life/AD&D Insurance is additional insurance you can purchase for yourself, spouse, and/or child(ren) at group rates. You have a unique opportunity to protect your future purchases by electing the minimum of $10,000 of employee coverage up to the guarantee issue amount of $200,000 (up to age 65).
If you waive this coverage during your initial new hire enrollment period and elect to enroll in this coverage at a later annual enrollment, you will be required to complete Evidence of Insurability (EOI) medical underwriting and can be denied coverage.
Spouse Guarantee Issue Amount is equal to 50% of employee's elected amount up to $50,000 with no medical questions (EOI). As this benefit is provided through your employer, you and the employee are automatically the beneficiary of your dependents coverage.
Naming Beneficiaries
Naming a beneficiary is a crucial part of life insurance and financial planning. A beneficiary is the person or entity you designate to receive the life insurance payout after your death. You can name more than one beneficiary, and beneficiaries can include individuals, churches, charities, and family trusts.
Beneficiaries can been added or edited in ADP.
Types of Beneficiaries
There are two main types of beneficiaries:
1. Primary Beneficiaries These are the first in line to receive the life insurance payout. They receive 100% of the benefits if they are alive at your time of death.
2. Contingent Beneficiaries These beneficiaries receive the payout only if no primary beneficiaries are alive to receive the money.
Special Considerations for Minors
Children under 18 cannot legally manage their own money. Therefore, it is advisable not to name minor children as beneficiaries directly. Instead, consider the following options:
2. Legal Guardian Designate the legal guardian of your children (as specified in your will) as the beneficiary. If you do not have a will, it is important to create one).
2. Trust Establish a trust to manage the funds for your children and name the trust as the beneficiary.
Employer-Paid Disability insurance
Disability insurance protects your income in the event you’re unable to work due to illness or injury. Short-term coverage typically lasts for a few months, while long-term coverage can extend until retirement, ensuring you have financial support during recovery. Short and Long Term disability are provided at no cost to you.
You will find your benefit amount when you enroll in ADP's enrollment module.
How do I file a disability claim and/or FMLA?
Unum provides a user-friendly, all-in-one site to file your disability claim and FMLA. This tool also allows you to set up communication preferences, track your claim/leave, view payment information, upload/review documents and letters, and more.
For more information and instructions on how to file your leave, click the link below!
