Executive benefits

If you are an executive, you receive the following enhanced benefits.

Basic Life and AD&D Insurance for executives

Ardent provides Basic Life Insurance and Basic AD&D Insurance at no cost to you.

Basic Life and AD&D Insurance Benefit Available Coverage
Basic Life and AD&D Insurance
Facility CFO, CNO, COO and Corporate AVP 2 times your annual salary with a maximum benefit of $500,000*
Facility CEO, Corporate VP and above 3 times your annual salary with a maximum benefit of $500,000*

* An age-reduction schedule applies beginning at age 70. See your Summary Plan Description for the complete reduction schedule.

Optional Life and AD&D Insurance for executives

You may purchase additional coverage under the Optional Life Insurance and Optional AD&D Insurance plans.

Optional Life and AD&D Insurance Benefit Available Coverage
Optional Life Insurance and Optional AD&D Insurance
Facility CFO, CNO, COO and Corporate AVP 3 times your salary (rate based on age) with a maximum of $500,000*
Facility CEO, Corporate VP and above 2 times your salary (rate based on age) with a maximum of $500,000*
Dependent Life Insurance for your family 
For your spouse $5,000 increments with a $50,000 maximum
For your children $5,000 or $10,000

* An age-reduction schedule applies beginning at age 70. See your Summary Plan Description for the complete reduction schedule.

Optional coverage in excess of $250,000 will require you to complete an Evidence of Insurability (EOI) form and be approved before coverage takes effect.

Also, any increase in coverage after you are initially eligible for coverage and during Annual Enrollment will require you to complete an EOI form and be approved before coverage takes effect.

Long-Term Disability (LTD) for executives

If you have an injury or illness that keeps you away from work for more than 90 days, the LTD Plan can help protect you and your family. Ardent provides LTD coverage at no cost to you.

LTD Benefit Available Coverage
Percent of your salary that you will receive 60%
Maximum benefits you can receive Up to $25,000 per month
When benefits start After 90 days of disability
How long you may receive benefits:*
Mental nervous condition Up to 24 months unless you are hospitalized
All other disabilities Until you recover, are no longer disabled as defined by the contract or you reach Social Security normal retirement age, whichever comes first

* Reduced benefits are available beginning at age 60. See your Summary Plan Description for the complete reduction schedule.

This enhanced benefit is designed to provide you with disability benefits on a tax-free basis. To do this, Ardent increases your gross income (shown on your W-2) to cover the cost of your premium for LTD benefits.

For more details, see your Summary Plan Description.

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