BASIC LIFE AND AD&D INSURANCE COVERAGE
Spring Harbor provides all Full Time employees with Basic Life and Accidental Death & Dismemberment at no cost to you.
MetLife Basic Life w/AD&D Insurance
Eligibility Requirement Life Insurance Benefit
All Full Time Employees
1.5x Annual Earnings to a max of $150,000
Guarantee Issue
Yes
Accidental Death & Dismemberment Benefit (AD&D)
Same as Basic Life Amount
VOLUNTARY TERM LIFE INSURANCE COVERAGE
As a supplemental benefit, Spring Harbor allows eligible employees to purchase additional life insurance coverage for yourself and your dependents. This coverage is paid for by you and is offered through MetLife. Rates for the voluntary term life insurance are based on age, and volume, and benefits are subject to applicable age reductions.
MetLife Voluntary Life w/AD&D Insurance
Eligibility Requirement
All Full Time Employees
Employee Benefit Amounts Employee
5x Annual Earnings to $500k in increments of $10k 50% of Employee to $100k in increments of $5k
Spouse
Child(ren)
Flat $10k
Guarantee Issue Employee
$150k
Spouse
$25k $10k
Child(ren)
20 | Spring Harbor 2025 Benefits Guide
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