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Life Insurance and AD&D

Full-time and part-time employees are eligible to participate in the Life and AD&D insurance plan administered by Cigna. This benefit pays in the event of your death or the death of an eligible dependent. The plan also pays a benefit if you or an eligible dependent loses a limb, vision, speech, and hearing or dies due to an accident. 

CPH pays the full cost to provide you with life and AD&D coverage equal to one times your annual pay if you are a full or part time employee.  During open enrollment you have the option of purchasing additional coverage for yourself or dependents.

Optional Life and AD&D Insurance

  • Employee Life: Optional life and AD&D insurance are available if you want more insurance than what CPH provides. Employees may elect coverage in $10,000 increments to a maximum of $700,000 or 7 times your annual salary, whichever is less. The Employee Guarantee Issue, at the time of initial enrollment is $80,000. If you choose coverage beyond that you will be required to provide satisfactory evidence of good health. The amount of your benefit is reduced by 35% at age 65 and 50% at age 70.
  • Spouse Life: You may choose to elect life and AD&D coverage for your spouse in increments of $5,000.  The Spouse Guarantee Issue at the time of initial enrollment is $25,000. If  you  choose  coverage  beyond  that  you  will  be  required  to  provide satisfactory evidence of good health.
  • Child/Children Life: You may choose to elect life and AD&D coverage for your child or children amounts of $1,000, $5,000 or $10,000 per eligible child.

Additional Information and Forms