Life insurance benefits can give you the peace of mind of know 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.
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. You must complete an evidence of insurability form and mail your completed form to Unum at the address shown below. Select the correct Unum form from the list of forms in the sidebar.
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.
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.