Life and AD&D Insurance
Life and Accidental Death and Dismemberment (AD&D) insurance provides financial protection for loved ones should the insured individual pass away. Operation Smile pays for employees’ Basic Life/AD&D coverage. The chart below provides a summary of the coverage.
Designate Your Beneficiary
When you enroll online for benefits, designate a beneficiary for your Operation Smile-provided life insurance coverage and your voluntary life insurance coverage. If a beneficiary is not designated, benefits will be paid according to the carrier policy. It is not necessary to add a beneficiary for any spouse life or child life insurance coverage you purchase since you are automatically the beneficiary.
Evidence of Insurability
You may be asked to provide Evidence of Insurability (EOI) or proof of good health, if:
- You do not enroll for coverage when first available and choose to enroll later.
- You want to increase your coverage after your initial enrollment.
- Evidence of Insurability Online Submission Link