Life and AD&D Insurance

Protection for Loved Ones in the Event of the Unexpected

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Life Insurance

Basic Life Insurance

All full-time Team Members, regardless of whether you enroll in a medical or dental plan, will receive Basic Life Insurance at no cost to you. Coverage amounts are outlined below.

Basic Life Insurance coverage amounts for you and your spouse/domestic partner reduce by 50% at age 70.

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Basic Life Coverage

Coverage Tier Benefit
You $25,000
Your Spouse/Domestic Partner $2,000
Your Child(ren) $1,000

Basic Life Insurance Plan Highlights: English | Spanish New

Voluntary Life Insurance

You can also opt to purchase Voluntary Life Insurance coverage for yourself, your spouse/domestic partner, and your children. Optional/Voluntary Life Insurance coverage amounts for you and your spouse/domestic partner reduce by 50% at age 70.

If you are newly eligible to enroll, you can elect coverage up to the Guarantee Issue amount without answering health questions. Otherwise, you’ll be required to provide Evidence of Insurability (EOI) and be approved by Reliance Standard before coverage begins.

Voluntary Life Insurance Plan Highlights: English | Spanish New

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Optional Life Coverage

Coverage Tier Benefit
You Up to $700,000 (in $10,000 increments); Guarantee Issue: $500,000
Your Spouse/Domestic Partner $5,000 to $100,000 (in $5,000 increments); Guarantee Issue: $30,000
Your Child(ren) Up to $10,000 (in $1,000 increments)

Biweekly Premium Cost

Age
Team Member Rate
per $10,000 of Coverage
Spouse/Domestic Partner Rate
per $5,000 of Coverage
Less than 30
$.32
$.16
30-34
$.37
$.18
35-39
$.55
$.28
40-44
$.78
$.39
45-49
$1.29
$.65
50-54
$2.08
$1.04
55-59
$3.28
$1.64
60-64
$4.02
$2.01
65-69
$6.51
$3.25
70-74
$11.54
$5.77
75 and over
$19.94
$9.97

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AD&D Insurance

Basic AD&D Insurance

All full-time Team Members, regardless of whether you enroll in a medical or dental plan, will receive Basic Accidental Death & Dismemberment (AD&D) Insurance at no cost to you.

Basic AD&D Insurance Plan Highlights: English | Spanish New

Voluntary AD&D Insurance

You can also opt to purchase Voluntary Accidental Death & Dismemberment (AD&D) Insurance coverage amounts for you and your spouse/domestic partner, reduced by 50% at age 70.

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Optional AD&D Coverage

Coverage Tier Benefit
You 1x–8x your annual base pay (up to $700,000)
Your Spouse/Domestic Partner $5,000–$100,000 (in $5,000 increments)
Your Child(ren) $1,000–$10,000 (in $1,000 increments)

Biweekly Premium Cost

Coverage Tier Cost per $1,000 of coverage
You $.012
Your Spouse/Domestic Partner $.012
Your Child(ren) $.012

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Voluntary Accident Insurance

Voluntary Critical Illness Insurance

Voluntary Hospital Indemnity Insurance

Beneficiaries

Designate & Manage Your Beneficiaries

A beneficiary is an individual or entity that will receive all or a portion of the insurance proceeds that may become payable if you die.

You may designate one or more individuals, including a trust or your estate, as a beneficiary. If you designate more than one beneficiary, the proceeds are divided equally unless you indicate otherwise on your beneficiary designation. You can divide the proceeds based upon a percentage or fraction, as long as the total equals 100%.

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What information do I need to name my beneficiary?

You will need the beneficiary’s full first and last name, complete address and phone number, and relationship to you.

When can I change my beneficiary?

Generally, you may change your beneficiary at any time. Life events like marriage, divorce or the birth of a child, are often good times to assess your beneficiaries. Log in to Workday to update your beneficiaries.

What happens if I don't name a beneficiary?

In the event that 1) there is not a named beneficiary, 2) all of the named beneficiaries die before you, or 3) the beneficiary records are lost or destroyed, insurance is generally paid in the following order:

  • Surviving spouse
  • Surviving children in equal shares
  • Surviving parents in equal shares
  • Surviving siblings in equal shares
  • The estate

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Claims, Portability & Conversions

Claims Guidance for LOA, Disability & Voluntary Benefits

Important Note About Claims for Kaiser Members

Team Members who are enrolled in a Kaiser medical plan must complete an authorization release form in order to file a claim with Matrix.

  1. Matrix will provide you with the authorization release form to sign and return.
  2. This form is required in order for Matrix to obtain the required medical certification from your physician.
  3. Failure to provide the signed authorization release form to Matrix will result in your claim being denied.

Submit Your Claim Online

Portability & Conversions

For assistance with Portability and Conversion, within 31 days of the date your coverage ends, contact Team Member Services at 855-432-MIKE (6453) and select Option 2.

Portability Request & Continuation Forms:

Conversion Forms:

Conversion & Portability Provisions

Get Support

For assistance, contact Team Member Services at 855-432-MIKE (6453) and select option 2, available Monday through Friday from 8 a.m. to 5 p.m. CT.

Provider

Reliance Matrix

Disability, Life & AD&D, Accident, Critical Illness, Hospital Indemnity Insurance

Contact

Phone: 1-855-RSL-CLAIM (775-2524)

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