Basic Life and AD&D Insurance Coverage
Emsere provides all Full Time employees with Basic Life and Accidental Death & Dismemberment at no cost to employees.
Insurance Carrier: Basic Life w/ AD&D Eligibility Requirement
Guardian Basic Life w/AD&D Insurance
All Full Time Employees
Life Insurance Benefit
$100,000
Guarantee Issue
Yes
Accidental Death & Dismemberment Benefit (AD&D)
Same as Basic Life Amount
Voluntary Term Life Insurance Coverage
As a supplemental benefit, Emsere 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 Guardian. Rates for the Voluntary Term Life Insurance are based on age, and volume, and benefits are subject to applicable age reductions. An EOI is required for elections made above the Guarantee Issue amount.
Insurance Carrier:
Guardian Voluntary Life w/AD&D Insurance
Voluntary Life w/ AD&D Eligibility Requirement Employee Benefit Amounts Employee
All Full Time Employees
Up to $100k in increments of $10k
Spouse
100% of employee’s benefit up to $150k
Child(ren)
Up to $10k in increments of $2k
Guarantee Issue* Employee
$100k
Dependent Child(ren)
100% of employee’s benefit 100% of employee’s benefit
*Guarantee Issue applies only to new hires.
8 EMSERE - FULLY EQUIPPED 2024 BENEFITS GUIDE
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