University of Dallas

Life and Long-Term Disability Insurance

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Basic Life and Accidental Death and Dismemberment Insurance

The University of Dallas provides Basic Life and Accidental Death and Dismemberment (AD & D) insurance equal to one time the employee's annual base pay up to $100,000 to all eligible employees. The University pays 100% of the cost for this coverage. Employees are automatically enrolled in Basic Life and AD & D upon becoming eligible.

Voluntary Life Insurance

Employees may also purchase Voluntary Employee and Dependent Life Insurance.

Benefits	Coverage Available
Employee Voluntary Life	$10,000 increments up to $300,000 or 5x salary (EOI required over $100,000)
Spouse Life	$5,000 increments up to $50,000 or 50% of Voluntary Employee Coverage (EOI required over $30,000)
Child Life	$10,000 per child (no EOI required)

To buy Spouse Life Insurance coverage, you must first elect Voluntary Life Insurance coverage for yourself. Spouse coverage cannot be more than 50% of your Voluntary Life coverage amount.

Evidence of Insurability (EOI) must be completed if:

• You request coverage over the Guarantee Issue amounts: $100,000 for employees under age 60; $50,000 for employees age 60-69; $10,000 for spouses of those employees age 60-69; EOI required on any amount for employees over the age of 70.
• You do not enroll when first eligible.

Cost of Voluntary Life Insurance

The cost of Voluntary Employee and Spouse Life insurance is based on the employee's age.

Employee's Age	Cost per $10,000 of Elected Coverage
<30	$0.85
30-34	$1.05
35-39	$1.15
40-44	$1.65
45-49	$2.75
50-54	$4.25
55-59	$7.25
60-64	$10.25
65-69	$15.25
70+	$34.25
Child Life Rate
Child age 6 mos. To 19 years (age 25 if full-time student)	$2.00 per month for $10,00 of coverage per family (includes all eligible children)