Child Life/AD&D Coverage


Full-time faculty and staff may purchase Life and AD&D coverage for their eligible children as long as they purchase at least an equal amount of coverage for themselves.  You may choose Life insurance in increments of $2,000 up to a maximum of $10,000.  Accident insurance is available in increments of $1,000 up to a maximum of $60,000.

Eligible children include your own natural offspring, lawfully adopted children and stepchildren.  They also include foster children and those who are dependent on you for support and living with you in a regular parent-child relationship.  Once a child reaches age 19 they must remain unmarried and enrolled in school full-time.  They may then be covered until age 25.

Premium paid for child Life/AD&D covers all of your eligible children.  The current monthly rate for Child Life is $ .731 per $2,000.  The monthly rate for Child AD&D is $.033 per $1,000 of coverage.

This insurance policy is provided through UNUM Life Insurance Company.  UNUM provides options for keeping this coverage once you are no longer employed by the College.  For additional information on portability and/or conversion options please contact Human Resources.

You may learn more about this coverage by clicking here.