Life and AD&D
When the unexpected happens, UNFI has you covered with Life and Accidental Death & Dismemberment (AD&D) insurance. Securian Financial administers Life and AD&D.
Eligibility
Associates eligible for the Full Benefit package.
Overview
UNFI provides Basic Life insurance and Basic AD&D coverage at no cost to eligible associates. You can enroll in additional coverage for yourself or certain family members. Note: Life and AD&D elections are separate elections.
Here’s a high-level overview of the Life and AD&D options. Review rates and coverage details on UNFIBenefits.com. Optional Associate and Spouse life rates are age-banded and may change during the year as you attain a new age bracket.
Life Insurance
Life insurance provides financial protection in the event of your death.
Basic Life
UNFI automatically provides Basic Life of one times your annual salary, with a maximum coverage of $1.5 million. This benefit is provided at no cost to you.
Optional Life
You can purchase additional coverage:
- Associate: Up to 8 times your annual salary, maximum coverage of $3.5 million
- Spouse: Up to $450,000, no more than 4 times associate salary
- Child: Up to $20,000 per dependent child
Need help choosing coverage?
Go to Benefit Scout® and answer a few simple questions to determine the right coverage for your needs and budget.
Evidence of Insurability
Evidence of Insurability (EOI) is required during your initial eligibility enrollment period for Optional Life elections more than 3 times annual salary for associates (up to $1 million), and in excess of $40,000 for spouses. EOI also may be required if, after your initial eligibility period ends, you enroll in or increase Optional Life insurance (associate or spouse). Optional Life Child(ren) is always guaranteed and not subject to EOI. Enrollments and increases subject to EOI will not be effective until approved by Securian Financial.
To submit an EOI request for enrollment/increase to your Optional Life coverage, sign in to UNFIBenefits.com and follow the prompts.
Making Changes to Optional Life Coverage
You may decrease or cancel your Optional Life coverage at any time during the year; you don’t need to experience a qualifying life event.
To decrease or cancel your Optional Life coverage, log in to UNFIBenefits.com and follow the prompts.
Review your beneficiary designation.
It’s a good idea to designate beneficiary elections for life insurance coverage so your benefit is paid to whom you intended in the event of death. To designate beneficiaries, sign in to your account at Securian Financial:
- Login ID: UNFI + 7-digit employee ID
- Password: Your DOB (MMDDYYYY) + last four digits of your Social Security number
AD&D
AD&D provides financial protection in the event of accidental death or dismemberment.
Basic AD&D
UNFI automatically provides AD&D of one times your annual salary, with a maximum coverage of $1.5 million. This benefit is provided at no cost to you.
Optional AD&D
You can purchase additional coverage:
- Associate: Up to 8 times your annual salary, maximum coverage $3.5 million
- Spouse Only: 50% of associate’s amount
- Child(ren) Only: 15% of associate’s amount each
- Spouse + Child(ren): Spouse 40% and each child 10% of associate’s amount