Life and AD&D

Basic Life and Accidental Death & Dismemberment (AD&D) Insurance

PDS Health provides Basic Life and AD&D insurance coverage equal to 1x annual salary to all regular full-time team members. The minimum benefit provided is $50,000. This benefit is provided to all eligible team members at no cost to you. All eligible team members are automatically enrolled on their new hire benefits eligibility date.

Supplemental Life Insurance

Through our Supplemental Life Insurance plan, you may purchase Supplemental Life Insurance for yourself. If you enroll in a Supplemental Life Insurance plan for yourself, you also have the option to enroll in Spouse/Child Supplemental Life. The Supplemental Life plan offers the convenience of low group rates, no health underwriting on amounts below the guarantee issue amounts (if you enroll within 30 days from your date of hire), and convenient payroll deductions. Team member must be enrolled to elect dependent coverage.

Team Member Supplemental Life Insurance:

• Coverage available in increments of: $25,000
• Minimum benefit: $25,000
• Maximum benefit: Class 1 and Class 2 = $1,000,000
• Guarantee Issue Amount: $250,000

Spouse Supplemental Life Insurance:

• Coverage available increments of: $10,000
• Minimum benefit: $10,000
• Maximum benefit: $250,000
• Guarantee Issue Amount: $20,000

Child Life Insurance:

• Benefit amount: from birth to 6 months = $1,000
• Benefit amount: 6 months to age 26 = $10,000

Supplemental Accidental Death and Dismemberment (AD&D) Insurance

Regular full-time team members are eligible to enroll in Supplemental AD&D insurance which provides additional benefits for an accidental death or for an accidental dismemberment. Team members do not need to be enrolled in supplemental life insurance to enroll in the supplemental AD&D insurance.

Team Member Supplemental AD&D Insurance:

• Coverage available in increments of: $25,000
• Minimum benefit: $25,000
• Maximum Benefit: Lesser of 6x annual salary or $2,000,000. AD&D Benefit amount does not need to match supplemental life benefit amount.

You can enroll in the Supplemental Life and Supplemental AD&D insurance within 30 days from your date of hire, during an annual enrollment period, or if you experience a qualifying life event.

You and your dependents are guaranteed coverage up to the guarantee issue amounts during your new hire benefits eligibility period. If you elect amounts above the guarantee issue amount, or if you enroll during an annual open enrollment period or at any time other than an annual enrollment period, you will be required to complete a statement of health and your coverage will be subject to medical underwriting.

For more details on the supplemental life and AD&D insurance rates please visit PDSConnect.