Basic Life Insurance
100% paid by Gerber
Make sure dependent spouse and child(ren) are added as dependents in ADP in order to be enrolled in these benefits.
Click here for a guide to adding dependents in ADP.
Employee Basic Life
2x annual earnings (excluding bonus and OT)
Max: $1,500,000*
*Medical underwriting required for amounts over $1,000,000
Spouse Basic Life
$5,0000 benefit for spouse
Child Basic Life
$2,000 benefit
Unmarried child dependents up to age 26
Supplemental Life Insurance
Employee Supplemental Life
Purchase in increments of $10,000 up to $1,000,000 not to exceed 5 times the employee base salary*
*Evidence of Insurability (EOI) may be required
Spouse Supplemental Life
Purchase in increments of $5,000 to $250,000 but not to exceed 50% of Employee Supplemental Coverage*
*Evidence of Insurability (EOI) may be required
Child Supplemental Life
Purchase in increments of $2,000 to $10,000 but not to exceed 50% of Employee Supplemental Coverage*
*No evidence of insurability required
Do I need to complete an Evidence of Insurability (EOI) when electing supplemental life?
Employee Supplemental Life
You will need to complete an EOI, Evidence of Insurability, if you answered YES to any of these questions:
I am not currently enrolled in supplemental life, but am choosing to enroll for 2021
I am increasing my supplemental life coverage by more than $50,000
I am increasing my supplemental life coverage over $300,000
Note: New hires in their new hire enrollment will not have to complete an EOI for employee supplemental coverage under $300,000
Spouse Supplmental Life
Your spouse will need to complete an EOI, medical certification, if you answered YES to any of these questions:
My spouse is not currently covered under Gerber's supplemental life, but I am choosing to enroll for 2021
I am increasing supplemental coverage over $25,000.
Note: New hires in their new hire enrollment will not have to complete an EOI for supplemental spouse coverage under $25,000
EOI FORM
If you are required to complete an EOI based on the requirements listed above, you must submit this form and send it to Prudential directly . Coverage will not be effective until the EOI form is sent to and approved by Prudential.
Accidental Death and Dismemberment (AD&D) Insurance
Basic AD&D
100% Gerber Paid
2x annual earnings (excluding bonus and OT)
Max: $1,500,000*
*Medical underwriting required for amounts over $1,000,000
Supplemental AD&D
Purchased in increments of $10,000 up to $1,000,000 for you or your family.
*Medical underwriting not required
Short Term Disability (STD)
100% paid by Gerber
Benefit Amount: 100% of weekly earnings for the first 4 weeks and then 75% of weekly earnings for weeks 5-26 minus other income benefits up to $2,500
Waiting Period: 0 days for accident; 7 days for illness
Duration: Up to 26 weeks
Use the Prudential disability claim guide to file a claim for short term disability.
Long Term Disability (STD)
100% Paid by Gerber
Benefit Amount: 60% of monthly earnings up to $20,000 max.
Waiting Period: 180 days
Use the Prudential disability claim guide to file a claim for long term disability.