Group Term Life and AD&D Insurance

Unum's web page (Group Term Life and AD&D Summary) has information available specifically for Oberlin College employees. Check out these informative web pages. Please note that all enrollment forms or changes must be turned in to Human Resources.

Who is Eligible for coverage?

All active employees working a minimum of 30 hours each week can purchase coverage. You have the option to purchase AD&D coverage for yourself regardless of whether you purchase Term Life coverage. You may also purchase Term Life coverage for your spouse/partner and your children between the ages of live birth and 19, 26 if the child is a full-time student. AD&D coverage is available for your spouse/partner and your children up to the age of 19, 26 if the child is a full-time student. In order to purchase Term Life and AD&D coverage for your spouse/partner and children, you must enroll in Term Life and AD&D coverage for yourself. The Beneficiary Card is available on line.

How much coverage is available?

Employee Term Life coverage is available in $10,000 increments up to 5 times your salary to a maximum of $500,000.

Employee AD&D coverage is available in $10,000 increments up to 5 times your salary to a maximum of $500,000. Employees age 70 or older should ask their plan administrator for the amount of coverage available to them.

Spouse Term Life coverage is available in $5,000 increments to a maximum of $250,000.

Spouse AD&D coverage is available in $5,000 increments to a maxiumum of $250,000.

Dependent Child Term Life coverage is available in $2,000 increments to a maximum of $10,000 for each child. The maximum death benefit for a child between the ages of live birth to 6 months would be $100.

Dependent Child AD&D coverage is available in $2,000 increments to a maximum of $10,000 for each child.

NOTE: The maximum amount of Term Life and AD&D coverage you may purchase for your spouse and children is 50 percent of the amount you choose for yourself (within the coverage maximums stated above). Please see the Department of Human Resources if you have any questions.