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Life & AD&D

Life & AD&D

Protect Your Legacy

Life and Accidental Death and Dismemberment (AD&D) insurance provide financial security to you and your family if you become seriously injured or pass away.

Basic Life and Accidental Death & Dismemberment (AD&D)

Death, injury, and illness is rarely expected, but being prepared can protect your family from the devastating financial blow that follows tragedy. Providing economic security is a major consideration in personal financial planning. As an employee, you automatically receive Basic Life and AD&D coverage in the amount of one times your base salary up to a maximum of $300,000.

Your AD&D benefit is equal to the face value of your life insurance benefit, and 100% of the benefit is paid in the event of an accidental death. A percentage of that total benefit is payable if you experience “loss of use” with a part of your body due to an accident.

Your dependents and spouse also receive Life insurance coverage. The plan covers your spouse for $10,000 and your dependent children for $5,000.

Benefit Features Life and AD&D Options* 
EmployeeSpouse

Dependent Child(ren)

(up to age 21 or 26 if attending school full-time)

Maximum$1,000,000$10,000$5,000
Guaranteed Issue Amount$300,000$10,000$5,000
Guaranteed Issue PeriodWithin 31 days of benefits eligibility or a qualifying life event

You may choose anyone to be the beneficiary of your Life and AD&D policy in the event of your death or serious injury. Review your beneficiary designation periodically to ensure it reflects your current wishes. If you want to change the beneficiaries in your group insurance plan, contact your employee benefits representative at atus.benefits@aristocrat.com.

Please note: This benefit decreases to 50% once you reach age 65. And ends once you reach age 70 or leave the company, whichever comes first.

Supplemental Life Insurance Rates for Participant and Spouse

AgeMaleFemale
Non-SmokerSmokerNon-SmokerSmoker
Less than 300.0730.1130.0380.063
30-340.0740.1260.0380.093
35-390.0960.1640.0630.113
40-440.1490.2770.1010.189
45-490.2510.4660.1640.315
50-540.4270.7810.2800.504
55-590.7121.2350.4410.794
60-641.0971.8650.6881.172
65-701.9913.6541.2352.268

Supplemental Life Insurance for dependent children

  • $0.25 monthly per $1,000 of insurance

Supplemental AD&D Insurance for participant and spouse

  • $0.05 monthly per $1,000 of insurance

Important:

  • Evidence of Insurability (EOI Underwriting) is required for all Supplemental life, employee or spouse amounts. 
  • Evidence of Insurability (EOI Underwriting) is not required for Supplemental AD&D Insurance.
  • Members can submit their Evidence of Insurability document electronically through secure link to Desjardins: Secure Link.
  • Supplemental Life Insurance and Optional AD&D Insurance are voluntary benefits.
  • Employee must enroll in Supplemental Life and AD&D insurance first, before dependents can be enrolled.
  • They are 100% employee paid via payroll deduction.

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