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.