Life and AD&D Insurance

Life, accidental death and dismemberment (AD&D) and dependent life insurance are administered by MetLife, and whole life insurance is administered by Unum.

Life and AD&D insurance

Life insurance pays benefits to your beneficiaries in the event of your death. AD&D insurance pays benefits if you die or are seriously injured from an accident, such as losing a limb or eyesight.

• Basic coverage: 1x your annual base salary rounded up to the next $1,000, to a maximum of $300,000.
• Supplemental coverage: up to 7x your annual base salary rounded up to the next $1,000, to a maximum of $2 million.

Note: Life insurance coverage is automatically reduced by 65% when you reach age 70 and 50% when you reach age 75.

Dependent life insurance

You can buy dependent life insurance coverage for your spouse or children:

• Spouse: $10,000–$250,000, not to exceed employee coverage
• Children: $5,000–$25,000 per child

Whole life insurance

Whole life insurance pays a benefit to your beneficiaries if you die and includes additional benefits beyond those offered by traditional life insurance, including:

• Cash value: Accumulate cash value at a guaranteed rate of 4.5%. You can borrow from this cash value or use it to buy a smaller policy with no premiums.
• Fixed cost: Premiums don’t increase as you age, and the benefits stay the same as long as you have the policy.
• Early payout: Request an early payout up to $150,000 if you’re diagnosed with a terminal illness and expected to live less than 12 months.
• Long-term care rider: Use the death benefit to pay long-term care expenses in certain situations, with a minimum value of $10,000.
• Optional accidental death benefit: Double the amount your beneficiaries receive if you die from a covered accident before age 70.
• Optional child term life rider: Add a benefit up to $10,000 in $1,000 increments to an employee or spouse policy for children up to age 25. After turning 25, the child can buy an individual policy for up to 5x the amount of the rider.

You can buy whole life insurance coverage for yourself and your spouse, children or grandchildren (even if you don’t buy coverage for yourself):

• Employee (age 15-80): $2,000–$200,000
• Spouse (age 15-80): $2,000–$50,000
• Children and grandchildren: $5,000–$50,000 per child

Cost for coverage

JHHS provides basic life and AD&D insurance coverage at no cost to you.

You pay 100% of the cost for supplemental life and AD&D, dependent life and whole life insurance coverage through payroll deductions. The amount you pay depends on who you cover and the amount of coverage you choose. You can view costs during enrollment on SmartSource .

How to enroll

You’re automatically enrolled in basic life and AD&D coverage.

You can enroll in supplemental coverage, dependent life insurance and whole life insurance on SmartSource as a new hire, during open enrollment or if you experience a qualifying life event.

Coverage begins the first of the month following the date you were hired or became eligible for benefits, pending approval from MetLife or Unum if you’re required to provide proof of good health. Your payroll deductions won’t start until coverage is approved.

When proof of good health is required

Name a beneficiary for your life insurance

A beneficiary receives your benefits if you die. You’re automatically the beneficiary for dependent life insurance.

Add or update your beneficiaries:

• Basic and supplemental life insurance: Sign into SmartSource , go to your profile and select My Beneficiaries.
• Whole life insurance: Sign into your Unum account or call Unum at 800-635-5597.