Life and Accidental Death & Dismemberment

Administered by Cigna Insurance Co., Inc.

Baptist Easley provides Basic Life and Accidental Death and Dismemberment insurance equal to your annual base pay. In addition, the following voluntary life insurance options are available.

Voluntary Life
You can purchase voluntary life insurance in the amount of one to eight times your annual earnings up to specific dollar limits and subject to satisfying any Evidence of Insurability requirements. The cost is based on your age and the amount of your insurance.

The following is an overview only. You should refer to your Summary Plan Description for the specific provisions applicable to these benefits. You can access the Summary Plan Descriptions (SPD) of the benefit plans at under Resources & Forms.

Calculating your voluntary term life cost (post-tax) per pay period: Age Monthly rate per $1,000

Example: Employee age 47 with an annual base pay of $21,300 purchases an additional 2x earnings of voluntary life insurance. Below is how to calculate the bi-weekly premium.

1) 21,300 rounded up to 22,000 x 2 (for additional 2 times) = $44,000
2) 44,000 โ„ 1,000 = 44 units
3) 44 units x 244 = $10.736 per month
4) $10.736 x 12 months = $128.832
5) $128.832 รท 26 pay periods = $4.96 per pay period

< 29 $0.068
30 – 34 $0.078
35 – 44 $0.117
45 – 49 $0.244
50 – 54 $0.254
55 – 59 $0.634
60 – 64 $0.644
65 – 74 $2.048
75+ $4.973

Evidence of Insurability
If you apply for voluntary life insurance after your initial eligibility period, you must provide Evidence of Insurability (EOI) satisfactory to the insurance company.

Voluntary Dependent Life
You also can obtain life insurance coverage for your spouse and/or children. If you and your spouse are employed by Baptist Easley, you can cover each other as a dependent. Only one of you can cover your dependent child(ren). The level of coverage is:

  • Dependent Children through age 25 (if attending school full-time) โ€“ $10,000 or 50% of your Basic and Employee Optional Life combined
  • Spouse โ€“ $25,000 or 50% of your Basic and Employee Optional Life combined
Voluntary Dependent Life (Post-Tax) Cost per pay period
Spouse and/or Child(ren) $2.11
Back to Top


Contact the Total Rewards

Benefits Service Center at (800) 963-3456

or email

Plan Year: January 1 through December 31, 2018

Copyright © 2017-2018 Baptist Easley