Life and AD&D

Life and Accidental Death and Dismemberment (AD&D) insurance coverage is provided through New York Life.

Basic Life and Accidental Death & Dismemberment (AD&D) Insurance

Eligible employees are automatically covered at no cost for basic life and AD&D insurance plans.

While you don’t have to enroll in the basic life and AD&D coverage, we encourage you to review and update your life insurance beneficiary information any time during the year by going to www.getardentbenefits.com/enroll and selecting the “Your Beneficiaries” tab.

Optional Life and Accidental Death & Dismemberment (AD&D) Insurance

You may purchase additional coverage under the voluntary life and AD&D insurance plans for yourself, your spouse/domestic partner, and your eligible dependent children (up to age 26).

For new hires, voluntary employee coverage in excess of the guarantee issued amount will require Evidence of Insurability (EOI) before the additional coverage is approved.

Increases in coverage for yourself or your spouse after you are initially eligible for coverage and during Annual Enrollment may require you to complete an EOI form and be approved before coverage takes effect.

An employee who is a spouse of another employee may not be insured for voluntary life insurance as both an employee and spouse at the same time.  A dependent child of two or more employees may also only be insured once under the policy. An age reduction schedule applies to Life and AD&D coverage. Please refer to the summary plan description for the complete schedule of benefit and policy exclusions.