2027 Basic & Supplemental Life/AD&D
Infillion provides Basic Life and Accidental Death and Dismemberment (AD&D) Insurance to you at no cost. Infillion also provides the opportunity for employees to purchase additional or Supplemental Life/AD&D Insurance for themselves and their family, administered by Prudential.
Prudential Life/AD&D Insurance
Basic Life/AD&D
Employees
1x annual salary up to $500,000
Child(ren)
Up to $1,000,000 or 5x annual salary (whichever is less)
Spouse
N/A
N/A
Supplemental Life/AD&D
Max of $250,000 or 50% of employee election
Max of $20,000
Employees must select Supplemental Employee Life/AD&D in order to select Supplemental Spouse Life/AD&D or Supplemental Child Life/AD&D. Age Reduction Schedule applies: 65% at age 60, 45% at age 70, 30% at age 75.
Per the IRS, any amount of life insurance coverage an employer provides is considered a taxable fringe benefit. Therefore, the benefit is considered taxable and the imputed cost of the coverage is included in employee’s income and subject to taxes.
Initial Enrollment for Supplemental Life/AD&D Insurance
When you become eligible for Infillion benefits as a full-time employee, you have a one-time opportunity to enroll in Supplemental Life/AD&D Insurance for you and/or your spouse without Evidence of Insurability (EOI) up to certain limits ($600,000 for employees and $50,000 for spouses). Employees who previously declined supplemental life/AD&D insurance for themselves or their spouse will be subject to EOI for any amount elected.
What is Evidence of Insurability?
Evidence of Insurability (EOI) is an application process in which you provide information on the condition of your health or your dependent's health in order to be considered for certain types of insurance coverage.
If you are required to complete EOI, you will receive an email from Prudential to register online and complete the EOI application. If you do not have an email on file, you will receive a paper application mailed to your home address to complete and return to Prudential.
If it is not submitted timely, the benefit amount elected could be denied.
Quick Contacts
Health Joy (Navigation & Decision Support) - (877) 500-3212
First Stop Health (Telehealth) - (888) 691-7867
Aetna (Medical) - (888) 266-5519
RxBenefits (Aetna Prescription) - (800) 334-8134
Kaiser (Medical/Rx) - (800) 464-4000
MetLife (Dental & Vision) - (800) 638-5433
Inspira Financial (FSA/HSA/COBRA) - (844) 729-3539
Prudential (Life, AD&D, Disability, Absence, VB) - (800) 842-1718
CompPsych (EAP) - (800) 311-4327 (Web ID GRE311)
MetLife (Legal) - (800) 821-6400
MetLife/Aura (ID Theft & Fraud) - (844) 931-2872
Carrot (Family Planning) - (888) 817-9040
ASPCA (Pet) - (866) 204-6764
Principal (401(k)) - (800) 547-7754