Life Insurance

Basic Employee Life Insurance

Childrens Hospital Los Angeles provides you with a basic life insurance benefit at no cost to you.

• Exempt Employee Coverage 1 times annual pay to a $50,000 maximum
• Non-Exempt Employee Coverage $10,000

Supplemental Employee Life Insurance

If you want to buy additional life insurance with after-tax dollars, you may elect supplemental insurance in the following amounts:

• One times annual base pay 
• Two times annual base pay 
• Three times annual base pay 
• Four times annual base pay

Voluntary Spouse Life Insurance

You may purchase life insurance for your spouse. The premium for dependent life insurance is deducted from your paycheck after-tax.

You may purchase $5,000, $10,000, $25,000, or $50,000 of life insurance coverage for your spouse, or up to 50% of your coverage amount, whichever is less.  You must be enrolled in the Supplemental Employee Life insurance in order to cover your spouse or your registered domestic partner.

Voluntary Child Life Insurance

You may purchase life insurance for your child(ren). The premium for dependent life insurance is deducted from your paycheck after-tax.

You may purchase 5,000 of life insurance per child for children from birth to age 19 (or to age 25 if a full-time student).  You must be enrolled in Supplement Employee Life insurance in order to cover your child(ren).

Basic Accidental Death and Dismemberment (AD&D)

The accidental death and dismemberment (AD&D) plan is designed to pay benefits in the event of an accidental death or serious injury. Basic AD&D is offered at no cost to you.

• Exempt Employee Coverage  1 x Annual Base Salary to a $50,000 maximum 
• Non-Exempt Employee Coverage  $10,000

Supplemental Accidental Death & Dismemberment (AD&D)

You also have the availability to purchase Supplemental AD&D. This is a separate enrollment from your basic life insurance coverage.  You may elect Supplemental AD&D insurance in the following amounts:

• $10,000
• $25,000 
• $50,000 
• $75,000 
• $100,000 
• $150,000 
• $200,000 
• $250,000 
• $300,000

AD&D coverage is limited to 10 times your annual base pay. You may also choose coverage for your spouse and child(ren). If you choose family coverage, your spouse, registered domestic partner, and child(ren) are covered for a percentage of your benefit amount, depending on the make-up of your family at the time of death.