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Guardian Life and AD&D Plan

Basic Life and AD&D Insurance

Smithers provides Basic Life and AD&D insurance at no cost to employees. Full-time employees receive a basic life benefit in the amount of 2 times your annual salary. Accidental death and dismemberment (AD&D) insurance is provided at the same level as an employee’s Basic Life amount.

 

Voluntary Life and AD&D Benefit

If you want more protection and a greater sense of financial security, Smithers offers Voluntary Life and AD&D through Guardian for you and your dependents.

Employee

  • Increments of $10,000
  • Maximum cannot exceed $500,000
  • Guarantee Issue = $150,000

Spouse

  • Increments of $5,000 increments
  • Maximum cannot exceed $250,000
  • Guarantee Issue = $10,000

Children

  • $1,000 increments
  • Maximum cannot exceed $10,000
  • Guarantee Issue $10,000


Need Evidence of Insurability?

You can complete online at GUARDIANANYTIME.COM/EOI
To view the directions click here

Life and AD&D benefits reduce 35% at age 65 and 50% at age 70.

Smithers
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