Life & DisabilityBasic Life & AD&D
Employer-paid life insurance and accidental death & dismemberment cover through Sun Life, at no cost to you.
- Carrier
- Sun Life
- Cost to you
- None — 100% employer paid
- Benefit amount
- Based on your class
- AD&D
- Matches your life amount
- Age reduction
- 65% at age 65, 50% at age 70
- Questions
- Badger HR
What it covers
Nothing about this benefit changed for 2027. Benefit amounts remain the same as previous years.
If you have people who depend on you financially, life insurance is about protecting them. Your designated beneficiary receives a cash benefit on your death.
- Life — a benefit amount set by your employment class.
- AD&D — accidental death and dismemberment cover, matching your life amount.
- No out-of-pocket cost. Markovitz pays 100% of the premium.
- No enrollment decision to make — it is provided automatically.
How the amount reduces with age
Like most group life plans, the benefit steps down as you get older:
| Your age | Benefit payable |
|---|---|
| Under 65 | 100% of your amount |
| 65 to 69 | 65% of your amount |
| 70 and over | 50% of your amount |
What you should do
- Check your beneficiary. This is the single most important thing — an out-of-date beneficiary is the most common problem with group life cover. Update it in Paycor or with HR.
- Review it after any major life event: marriage, divorce, a birth, or a death in the family.
- Ask HR for your specific benefit amount, which depends on your class.
Who's eligible
Full-time employees working 30 or more hours a week who have met the new-hire waiting period. Coverage is automatic and employer-paid.
Questions
- Phone(800) 247-6875
- Websitewww.sunlife.com/us/en
- Badger HR(724) 631-1119 · hr@badgerind.com