Life and AD&D

Basic Life and Accidental Death & Dismemberment (AD&D)

Providing economic security for your family if you pass away, become disabled, or experience an injury or illness is a major consideration in personal financial planning. Eligible employees receive Basic Life and Accidental Death and Dismemberment (AD&D) coverage at no cost.

See your HR to update beneficiary information.

Supplemental Life and Accidental Death & Dismemberment (AD&D)

Voluntary Life and AD&D offer additional coverage for yourself, and/or for your spouse and children. For new hires, the guaranteed issue amount is $250,000 for employees and $50,000 for spouses. For any amount over these limits or outside of the new hire enrollment period, Evidence of Insurability forms must be completed.

Employee Assistance Program (EAP)

As part of your Basic Life and AD&D coverage, you have access to Ability Assist® Counseling Services, an Employee Assistance Program (EAP). When you need a helping hand, the EAP offers value-added programs and services for free. This confidential service is available to you and your family members to help with many life challenges including grief, stress, depression, marital or family challenges, retirement planning, alcohol and drug abuse, and more.

The EAP gives you access to:

Unlimited 24/7 phone counseling sessions
In-person counseling sessions
Child and elder care resources
Financial and legal resources
And more

You can contact the EAP anytime, day or night, by calling 800-964-3577 or by visiting www.guidanceresources.com. If you visit the website as a first-time user, click on the Register tab and follow the steps below to create a new account:

In the Organization Web ID field, enter: HLF902.
In the Company Name field at the bottom of the personalization page, enter: ABILI.
After selecting Ability Assist program, create your own confidential username and password.

For more information, review the following document from the right-hand column: Ability Assist Under 5000 Flyer (Not NY).