Life insurance benefits can give you the peace of mind of knowing you’re prepared for the future—providing a cash benefit to you or your loved ones in the event of death or serious injury.

Basic Company-Paid Coverage

Ensign pays the full cost of basic life and accidental death & dismemberment (AD&D) insurance. This coverage is available to all benefit eligible Ensign Affiliate employees, regardless of whether you are enrolled in other benefit plans.

Coverage When Payment Is Made Benefit Amount 1,2
Basic Life Insurance If you die from any cause $25,000

1x salary up to $500,000 for Service Center / Cornet / Topside / Executive Directors / Directors of Nursing

AD&D Insurance If you die from a covered accident – paid in addition to basic life insurance $25,000

1x salary up to $500,000 for Service Center / Cornet / Topside / Executive Directors / Directors of Nursing

If you are severely injured due to an accident and suffer a loss specified in the policy such as the loss of a limb or eyesight. A portion of the benefit, as specified in the policy
  1. The benefit amount is reduced after age 65.
  2. If basic life is greater than $50,000, you can cap your coverage at $50,000 to avoid imputed income tax.

Supplemental Life Insurance

If you need more than basic coverage, you may purchase supplemental life insurance coverage through Unum for yourself and for your eligible dependents. You pay the full cost of supplemental coverage through after-tax payroll deductions.

If you are enrolling for coverage when first eligible, evidence of insurability is required for coverage amounts greater than the guaranteed issue amounts shown in the table below. If you are enrolling for coverage after your initial eligibility period, evidence of insurability is required as shown in the table below. The evidence of insurability process is now integrated with Workday.  If your election requires the completion of evidence of insurability, you will complete the process online as part of your enrollment.

Coverage For Coverage Amount Maximum Guaranteed Issue
Employee $10,000 to $500,000 in $10,000 increments Lesser of $500,000 or 5X annual earnings $200,000 if enrolling when first eligible. If you purchase a minimum of $10,000 when first eligible, you can increase coverage in $10,000 increments up to $200,000 during a future Open Enrollment without evidence of insurability (EOI).
Spouse or Domestic Partner $5,000 to $250,000 in $5,000 increments Lesser of $250,000 or 100% of your combined Basic and Supplemental coverage $25,000 if enrolling when first eligible. Any new elections or elections greater than $25,000 are subject to evidence of insurability (EOI).
Child(ren) $2,000 to $10,000 in $2,000 increments $10,000 $10,000

Supplemental Accidental Death & Dismemberment Insurance

You have the option to purchase supplemental AD&D insurance for you, your spouse or domestic partner and your children. Benefits are paid in the event of death or a serious injury (such as loss of a limb or eyesight) due to an accident. Evidence of insurability is not required for this coverage. You pay the full cost of supplemental AD&D coverage through after-tax payroll deductions.

If you are absent from work due to injury, sickness or temporary leave of absence, your coverage will begin on the first of the month coincident with or next following the date you return to active employment. If your eligible dependent is totally disabled, your dependent’s coverage will begin on the first of the month coincident with or next following the date your eligible dependent no longer is totally disabled.

Coverage For Coverage Amount Maximum
Employee $10,000 to $500,000 in $10,000 increments Lesser of $500,000 or 5X annual earnings
Spouse or Domestic Partner $5,000 to $250,000 in $5,000 increments Lesser of $250,000 or 100% of your combined Basic and Supplemental coverage
Child(ren) $2,000 to $10,000 in $2,000 increments $10,000

Conversion and Portability Options for Life and AD&D Insurance

You may be able convert or port your supplemental life and AD&D insurance when you terminate your employment or you are no longer a full-time benefit-eligible employee. After your coverage ends, you have 31 days to apply to convert or port your coverage. Read the Unum Life Insurance Portability Brochure and review the Life and AD&D rates. Learn about Portability and Conversion Benefits and Features Comparison. If you believe porting your life and AD&D insurance is right for you, complete the Unum Life Insurance Election of Portability Coverage Form.