Supplemental life and AD&D coverage expanded for 2019

New options allow employees more opportunities to ensure their financial security

Man signing life insurance application


JHU provides financial protection for you and your family in the event of an accident or death by offering both life and AD&D—accidental death and dismemberment—coverage for you and your eligible dependents. For 2019, it will broaden its supplemental life and AD&D offering through Securian, allowing you more opportunities to ensure your financial security. You may now purchase additional coverage in full salary multiples from one to eight times your annual base salary, to a maximum benefit of $3,000,000 (basic and supplemental combined).

The guaranteed issue amount (the amount you are eligible for without having to provide EOI—evidence of insurability—or proof of good health) is four times your annual base salary, not to exceed $500,000. During Annual Enrollment, you may purchase an additional coverage level up to one time your annual base salary without providing EOI—again, provided the new total coverage amount doesn't exceed four times your annual base salary or $500,000.

If you make no changes to your supplemental life and AD&D coverage, you may automatically be bumped to the next coverage level to align with the university's new benefit structure, depending on the coverage level you're currently enrolled in. Any increase would be automatic and not require EOI.

Chart showing default rates for life and AD&D insurance

If you elect coverage that requires evidence of insurability, you will receive email with instructions; be sure to complete the EOI within the required time frame in order to be eligible for this coverage. If approved for coverage, you will begin paying the applicable premiums after approval. If declined, your coverage will be adjusted to the next lower amount not requiring EOI. As you review your JHU benefits, you are encouraged to consider these enhanced options during Annual Enrollment.

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