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Life, AD&D and Disability​​​

​​​​Life insurance coverage

We offer basic life insurance that pays a benefit to your beneficiary equal to one times your annual base salary—with a minimum of $20,000 and a maximum of $1 million. There’s no medical underwriting and coverage begins on your first day of active employment. 


You can increase your coverage one level at a time up to seven times your annual base salary up to $5 million. You can make these increases during annual enrollment or if you have a qualifying life event. You can also buy coverage worth three times your annual salary up to $1 million without providing evidence of insurability. You can insure your spouse up to $250,000, but the total amount can’t exceed your coverage amount. Click here​ to learn how to designate a beneficiary.


Person covered Basic life insurance we pay for Supplemental coverage you pay for
YouOne times your annual base salary up to $1 millionOne to seven times your annual base
salary up to $5 million
Your spouseN/A$10,000
OR
$25,000 increments up to $250,000
(not to exceed your coverage amount)
Your child(ren)$5,000 per eligible child
OR
$10,000 per eligible child


AD&D insurance coverage

Accidental death and dismemberment coverage (AD&D) pays benefits if you or a covered family member dies or is injured because of an accident. We provide basic AD&D insurance from Unum equal to one time your base pay—with a minimum of $20,000 and a maximum of $1 million. There’s no medical underwriting and coverage begins on your first day of active employment. 


Person covered Basic AD&D insurance we pay for Supplemental coverage you pay for
YouOne times your annual base salary up to $1 millionOne to seven times your annual base salary up to $5 million
Your spouseN/A$10,000
OR
$25,000 increments up to $250,000
(not to exceed your coverage amount
Your child(ren)$5,000 per eligible child
OR
$10,000 per eligible ​child


Disability insurance coverage

Disability insurance is important in case you’re sick or injured and can’t work—or when you have a new child. We offer three levels of disability coverage, which begins on your first day of active employment:

      • Voluntary short-term disability, which you buy yourself;
      • Basic long-term disability, which Baylor Scott & White buys for you; and 
      • Supplemental long-term disability, which you buy for yourself if you want additional protection. 



Family planning?  You’ll need to purchase short-term disability coverage to receive maternity, parental and adoption benefits. If you don't enroll when you're first eligible and decide later that you want coverage, you'll have to go through medical underwriting to prove you're insurable. Coverage may be denied due to a pre-existing condition, including pregnancy.

Digital Benefits Guide


Learn more about life, AD&D and disability coverage in our Digital Benefits Guide.



Questions? Ask ALEX!
He can help you choose the right plan for you and your family!


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When you’re on the road and something unexpected happens, our emergency travel assistance program is ready to help at any time, day or night. Whenever you travel 100 miles or more from home—across the state or around the world—Assist America travel-assistance services from Unum are by your side.

 

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The Absence Center

The Absence Center administers Family and Medical Leave Act leaves, military leaves, non-FMLA medical leaves, non-medical personal leaves and short-term disability. When you need to take one of these leaves, an Absence Center leave specialist will walk you through the entire process. Request bereavement leave and jury duty leave directly from your supervisor. Learn more here or visit PeoplePlace​ and select Absence Center. To request a leave, contact an Absence Center leave specialist at 844-511-5762 or visit 360absence.com/bswh. ​

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