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Life Insurance Benefits

SPD information is coming soon.

Basic Life Insurance and AD&D

Jefferson provides eligible employees with Basic Life Insurance and Accidental Death and Disability (AD&D).  The amount of coverage varies depending upon your position and base pay as shown on the chart below.

Basic Survivor Benefits
Employee Classification Basic Life Maximum Basic Life Insurance Benefit AD&D Maximum Basic AD&D Benefit
Faculty and Senior Administrators 200% of base
annual salary
$500,000* 150% of base
annual salary
House Staff, Postdoctoral Fellows 150% of base
annual salary
N/A 100% of base
annual salary
All Other Employees, including part-time 100% of base
annual salary
N/A 50% of base
annual salary

*Basic benefit is two times your annual salary to a maximum of $500,000 guarantee issue.  Amounts over $500,000 require medical evidence of insurability.

Life insurance coverage reduces by ½ for employees age 70 and over.  Life insurance coverage is rounded to the next $500 increment.

Business Travel Insurance

If an eligible employee is injured or killed while traveling on Jefferson business, his/her beneficiary may receive an additional benefit based upon the nature of the injury. For more information on plan features see Business Travel Accident Insurance Coverage Summary and AIG Benefits Travel Assist brochure.

Optional Life Insurance and AD&D

If you are eligible for Basic Life Insurance you may choose any of the three optional survivor benefits:

  • Life Insurance for yourself, up to four times your base pay to a maximum of $1,000,000
  • Supplemental AD&D Insurance for yourself or your entire family from $50,000 to $500,000, not to exceed 10 times your salary.  Family members will be covered at a percentage of the value of the employee’s coverage.
  • Dependent (spouse, registered domestic partner and child(ren)) Life Insurance to a maximum of $20,000 for a spouse and $5,000 per child

For more information on rates and plan features please consult your Benefits Guidebook.

For more information, please contact the HR Service Center at (215) 503-HRSC or