Supplemental Life

Benefit Overview

The Supplemental Life and Accidental Death & Dismemberment (AD&D) insurance plan gives employees the opportunity to purchase additional life coverage beyond the basic amount provided by Eaton RESA. Coverage is available for employees, spouses, and dependent children, providing financial protection for loved ones in the event of death or a covered accidental injury.

Eligible employees actively working and meeting minimum hourly requirements may elect Supplemental Life coverage during enrollment. Dependent coverage is only available to spouses and children who meet eligibility requirements.

Key Details

Supplemental Life and AD&D coverage offers flexible options so you can select the amount that best fits your family’s financial needs.

Coverage Type	Available Amounts
Employee Supplemental Life & AD&D	Increments of $10,000 up to $300,000 (not to exceed 5x annual salary)
Spouse Supplemental Life	Increments of $5,000 up to $150,000 (not to exceed 50% of employee’s election)
Child Supplemental Life	Option 1: $10,000 (ages 6 months–26) / $1,000 (infant 14 days–6 months) Option 2: $5,000 (ages 6 months–26) / $500 (infant 14 days–6 months)

For more information, please refer to the Documents section below.

How It Works

Supplemental Life and AD&D insurance provides an additional layer of protection beyond employer-paid basic life coverage. You select the level of coverage you need, and premiums are based on age and the amount of insurance chosen. In the event of accidental death or serious injury, AD&D coverage provides extra benefits to help offset unexpected costs or loss of income.

Evidence of Insurability (EOI)

Medical questions may be required depending on the timing and amount of coverage elected:

Employees under age 60 can elect up to $150,000 without medical questions during open enrollment.
Employees age 60–69 may elect up to $10,000 without medical questions.
Spouses under age 60 can elect up to $25,000 without medical questions; ages 60–69 up to $5,000.
All applicants age 70 and older must submit Evidence of Insurability (EOI).
Late enrollees and coverage increases may also require EOI approval.

Coverage Reductions and Termination

Employee coverage reduces to 50% at age 70 and ends at retirement.
Spouse coverage ends at the earlier of age 70 or employee retirement.
Child coverage ends at the limiting age or upon employee retirement.

Who This Benefit Is For

This plan is for employees who want to enhance their family’s financial protection with additional life insurance coverage for themselves and eligible dependents.

Documents