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Supplemental Life and AD&D Insurance

You have the option to purchase additional Life and AD&D insurance through convenient payroll deduction. You can also elect coverage for your spouse and for your eligible child(ren).

Supplemental Life insurance

You (Team Member)Your spouseYour eligible child(ren)
Supplemental life insurance–options$20,000 increments to $1,000,000 maximum*$10,000 increments to 100% of your coverage up to $500,000*
  • Flat $500 per child (under 14 days)

  • Flat $2,500 per child (age 14 days to 6 months)

  • Flat $10,000 per child (age 6 months and older)
Maximum available without Evidence of Insurability (also called the Guaranteed Issue amount)
  • $160,000 if annual salary of $50,000 or less

  • $260,000 if annual salary of $50,001 through $85,000

  • $400,000 if annual salary of $85,001 or above
$50,000Not applicable
Rates based on...Your ageTeam Member's ageFlat rate
Coverage ends...At age 80The earlier of age 70 or when Team Member attains age 80On the 19th birthday

*If you are age 65 or older, you and your spouse’s coverage will be reduced to 65%, 40%, 25% of your original coverage amount, depending on your age.

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Use the Life Insurance Needs Calculator to help determine if you should elect supplemental coverage.

Supplemental AD&D insurance options

You

$20,000 increments to $1,000,000 maximum

Your spouse

$10,000 increments of your coverage to $500,000 maximum, not to exceed 100% of your coverage

Supplemental Life and AD&D rates

See the overview document for rates:

  • View the rates.

How to enroll in supplemental coverage

If you choose to enroll when you first become eligible, or upon promotion or transfer to a salaried position, Sous Chef, MIT,  GEDM, or Flex Manager, you may elect coverage up to the guaranteed issue amount without Evidence of Insurability.

See New Enrollment for instructions on how to enroll.

Coverage over the guaranteed issue amount, increases in coverage, and coverage elected after you were first eligible will require you to complete and submit an Evidence of Insurability Form to New York Life Insurance Group Benefits Services (New York Life).

Evidence of Insurability

When you elect coverage under one of the three situations above, New York Life will mail and email you instructions on how to complete an online Evidence of Insurability (EOI) Form. Your coverage will begin once New York Life Medical Underwriting approves.

If you lose coverage under this plan following termination or if you lose benefits eligibility, you may have the option to port your coverage to an individual policy. For more information, please review the Portability Form.

Team Member Benefits

Learn more about the benefits available to eligible Team Members. Select the benefits category that matches your position.
Transparency in Coverage

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