Life and AD&D Benefits

Basic Group Life and Accidental Death and Dismemberment (AD&D) coverage is a 100% employer-paid benefit, provided at no cost to you. The basic life benefit will be paid to your beneficiaries in the event of your death. The AD&D benefit will be paid in the event of an injury resulting from a covered accident.

Benefits
Life Benefit	$50,000
AD&D Benefit	Percentage of the life insurance amount
Benefit Reduction	35% at age 65 additional 15% at age 70 terminates at retirrement

		Monthly	Rate	Calculation
$	X	$	÷		=	$
Age Rate		Benefit Amount		$1,000		Monthly Rate

Downloads

Summary of Benefits

When your needs call for more than Basic Life and AD&D coverage, additional Voluntary Life and AD&D coverage is available for purchase for you, your spouse and your dependent children. Coverage purchased through this plan is offered at a group discounted rate with guaranteed issue amounts. Employees must elect coverage in order to purchase spouse or child coverage.

Benefits
Employee
Benefit Maximum	$10,000 increments to the lesser of 5X salary or $500,000 (ee's under age 70)
Guaranteed Issue	Lesser of 5X annual earnings or $100,000 (ee's under age 70)
Spouse
Benefit Maximum	$5,000 increments to a maximum of $250,000 (not to exceed 50% of employee's life amount, whichever is less)
Guaranteed Issue	Lesser of 50% of the employee's elected amount or $50,000
Child(ren)
Benefit Maximum	14 days - 6 months : $1,500 6 months - 19 years (25 if FT student): $2,500 increments to maximum of $10,000 (not to exceed 50% of employee's life amount, whichever is less)
Guaranteed Issue	$10,000

	Monthly Cost by Age per $1,000 of coverage
Age	Rate
<25	$0.09
25 - 29	$0.09
30 - 34	$0.11
35 - 39	$0.16
40 - 44	$0.24
45 - 49	$0.33
50 - 54	$0.55
55 - 59	$0.79
60 - 64	$1.01
65 - 69	$1.30
70-74	$2.71
75+	$3.87
Children (rate per $2,500)	$0.64

Downloads

Summary of Benefits

Group Number

27578

Provided By

Kansas City Life

Provider Website

https://www.kclgroupbenefits.com/

Customer Service

877.266.6767

Resources

Frequently Asked Questions