HRI offers programs to help ensure financial security for you and your family. We also provide access to voluntary benefits designed to help you save money on valuable supplemental insurance coverage.

View your Basic Life and AD&D Benefits

View your Supplemental Life and AD&D Benefits

 

Basic Life & AD&D Insurance

HRI provides all active full time associates with Basic Life and Accidental Death and Dismemberment (AD&D) at no cost, which guarantees that loved ones, such as a legal spouse or other designated survivors, will be financially secure after your death.

If you are under age 65 on your effective date of insurance, the amounts of your Basic Life and Basic AD&D Insurance on and after age 65 will be determined by applying the appropriate percentage from the following table to the amount of your insurance in effect on the day before your 65th birthday.

Federal tax law requires the Company to report the cost of company-paid life insurance in excess of $50,000 as imputed income. AD&D benefits are paid in addition to any life insurance if you die in an accident or become seriously injured or physically disabled. You may have to complete an evidence of insurability (EOI) medical questionnaire to determine whether you or your spouse are insurable for supplemental life insurance amounts. If required, one will be provided to you.

 

Voluntary Life & AD&D Insurance

You may also purchase Supplemental Life and AD&D on top of what the Company provides. You must purchase Supplemental Life on yourself in order to purchase Life and AD&D on your legal spouse and/or child(ren).

If you are a late entrant, you will have to provide a statement of good health called evidence of insurability. There is no age restriction. New hires can apply to the maximum without having to complete an EOI. Associates must enroll in life coverage to be eligible to elect any dependent coverage.

 

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Voluntary Whole Life Insurance                   

Permanent or Whole Life insurance policies are designed to cover you for your entire lifetime, unlike other life policies that are only written for a certain amount of time. Permanent Life policies also build cash value which can be used for loans, upon surrender of the policy, or as reduced paid up insurance in case of non-payment of premium.

You can also purchase policies on your spouse or child, but you must be covered in order to insure them. Once you have coverage, no additional coverage will be allowed.

UNUM Whole Life Benefit Highlights (English)

UNUM Whole Life Benefit Highlights (Spanish)