Life and AD&D Insurance

Evoque pays 100% of the cost for Basic Life and AD&D coverage. For additional protection, eligible team members have the option to purchase Voluntary Life and AD&D insurance for themselves and eligible dependents. Voluntary Life and AD&D participants pay 100% of the cost for insurance. The Life and AD&D plans are fully insured by Unum.

Eligibility

All Evoque benefits-eligible team members in the U.S. who work at least 30 hours per week are automatically enrolled in Basic Life and AD&D insurance, effective as of their date of hire. All Evoque benefits-eligible team members have the opportunity to enroll in Voluntary Life and AD&D insurance within 30 days of their date of hire.

BASIC LIFE AND AD&D PLAN SUMMARY

  • Basic Life benefit: 1x annual salary rounded to the next higher $1,000 increment, to a maximum of $1 million. However, Evidence of Insurability (EOI) will be required for any amounts above $1 million.
  • Basic AD&D benefit: 3x annual salary up to $1 million, if death is the result of an accident; reduced benefits for certain other qualifying losses
  • Coverage amount(s) will be reduced to 65% of original amount(s) when you reach age 70

VOLUNTARY LIFE AND AD&D PLAN SUMMARY

  • These benefits are in addition to the Basic Life and AD&D benefit provided by Evoque
  • Team members who miss the new hire enrollment window and would like to enroll for the first time, or increase their level of Life coverage, will need to submit an application with an accompanying EOI form directly to the insurance company. You may enroll or increase your coverage in the plan only after the application has been approved by the insurance company
  • If a team member is already enrolled in the Voluntary Life Plan, and wishes to add a spouse or child due to a Qualified Life Event, the EOI form is not required

  • You can cancel or reduce your coverage in these plans at any time by contacting the HR Associate Services group. Go to the workforcenow.adp.com benefits portal to make changes

  • Coverage amount(s) will be reduced to 65% of the original amount(s) when you reach age 70 for both the team member and spouse if eligible