Life and AD&D Insurance
Life can be unpredictable, but your loved ones’ security doesn’t have to be. Life insurance and Accidental Death & Dismemberment (AD&D) coverage are here to provide financial protection for those who matter most if the unexpected happens.
You automatically receive life insurance coverage once you meet eligibility requirements, and you can choose to add extra peace of mind by electing supplemental life and AD&D insurance.
Your Coverage Highlights
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Coverage You Can Count On
You’re protected from day one. Once you meet eligibility requirements, AdventHealth automatically provides full-time team members Basic Life and AD&D coverage — because your peace of mind matters.
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More Coverage, More Peace of Mind
Add extra security for those who matter most. You can choose additional Life and AD&D coverage for yourself, your spouse and your children. It’s an easy way to increase protection and feel confident about the future.
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Update Your Beneficiaries Today
Show your love in the details. While reviewing your coverage, take a moment to check your beneficiaries. Keeping this information current ensures your loved ones are cared for exactly as you intend.
Life and AD&D Coverage Overview
Here's a quick look at your life insurance options and what's included.
Type of Coverage | How Much Coverage | Maximum Benefit | Coverage Changes with Age | Evidence of Insurability (EOI) | Extra Benefits |
|---|---|---|---|---|---|
Basic Coverage (Provided by AdventHealth) | Full-time: Coverage equal to your annual salary (rounded to the nearest $1,000) Part-time: You can buy coverage equal to your annual salary, based on your hourly rate and scheduled hours. | Up to $1,000,000 |
| Not required for basic coverage |
|
Supplemental Coverage (Employee-paid) | Choose 1×, 2×, 3× or 4× your annual salary | Up to $2,000,000 (combined basic + supplemental max $3,000,000) | Same rules as basic coverage | Required if electing 4× coverage, over $1,000,000, or increasing by 2× or more after initial eligibility |
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Spouse Coverage (Employee-paid) |
| $250,000 | Same rules as employee coverage | Required for amounts above $50,000 or after initial offering |
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Child Coverage (Employee-paid) | $10,000 or $15,000 per child | $15,000 | N/A | No EOI required |
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Note: Some roles — like executives and physicians — have additional coverage options. You can explore these in Workday to make sure you have the protection that fits your needs.
Helpful Resources
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Need to Submit a Life Insurance Claim?
We understand that filing a Life or AD&D claim can come during a difficult time. To help make the process as smooth as possible, start by submitting a Workday Help case or contacting HR Shared Services at 844‑843‑6363. We'll guide you through the next steps and assist with initiating your claim.
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Have Questions About Life or AD&D Coverage?
If you need assistance understanding your Life or Accidental Death & Dismemberment (AD&D) benefits, New York Life is just a call away.
Call Call800-642-8238 to speak with a benefits specialist who can guide you through your options and answer any questions.
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What is Evidence of Insurability (EOI)?
Some life insurance elections require Evidence of Insurability (EOI) — a health review completed by the insurance carrier before additional coverage can be approved.
EOI is typically required if you:
- Elect coverage above the Guaranteed Issue amount.
- Enroll after your initial eligibility period.
- Increase your supplemental life insurance beyond the amount allowed without EOI.
If EOI is required, we'll let you know. You'll receive instructions to complete a health questionnaire, and the insurance carrier will review your application. Your additional coverage will not take effect until it has been approved.
This site summarizes the programs and benefits available to team members and their eligible dependents. Official plan documents, policies and certificates of insurance that contain the details, conditions, maximum benefit levels and restrictions on benefits govern our benefits program. In case of a conflict between this site and the official documents, the official documents prevail. The information on this site isn't a guarantee of benefits. AdventHealth reserves the right to modify or terminate its employee benefit plans and programs at any time for any reason.