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Life and AD&D

Our protection benefits help ensure your family is taken care of, no matter what life brings.

Overview

Life insurance and accidental death and dismemberment (AD&D) insurance protect your family financially if you die or are seriously injured.

  • We provide you with basic life and AD&D coverage through New York Life at no cost.
  • You can purchase additional coverage for yourself, spouse or children at the premiums below.

Note: Other coverage levels are available for certain executive and physician roles and can be viewed during enrollment by visiting PeoplePlace.

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Basic and Supplemental Life
Basic Life Insurance

Provided to all benefits-eligible employees at no cost.
  • Pays a benefit of 1x* your annual salary (minimum $20,000; maximum $500,000*)
  • There's no medical underwriting and coverage begins on your first day of employment.
Age reduction provision: If you have reached age 65, you and your spouse’s amount of life insurance will be 65% of the amount of life insurance you had prior to 65. If you have reached 70 or more, you and your spouse’s amount of life insurance will be 50% of the amount you had prior to the first reduction.

*Other coverage levels and maximums may be available for certain physician and executive roles. View the Summary Plan Description to learn more.

Supplemental Life Insurance

Available to all benefits-eligible employees at your own cost. You can purchase additional coverage for you, your spouse and/or child(ren).

  • You: Benefit amount up to 7x salary | maximum $2 million*
  • Spouse: Up to $250,000 | but not more than your benefit amount
  • Child: $10,000
Certain levels of life coverage may require you to demonstrate good health by completing an Evidence of Insurability (EOI) form. In these cases, your coverage will not take effect until approved.

Actively at work provision: If you request to elect or increase you or your dependents’ coverage and are not actively at work at the start of the plan year, your coverage changes will not take effect until the date you return to work.

Age reduction provision: If you have reached age 65, you and your spouse’s amount of life insurance will be 65% of the amount of life insurance you had prior to 65. If you have reached 70 or more, you and your spouse’s amount of life insurance will be 50% of the amount you had prior to the first reduction.

*Other coverage levels and maximums may be available for certain physician and executive roles. View the Summary Plan Description to learn more.

Basic and Supplemental AD&D
Basic AD&D Insurance

Provided to all benefits-eligible employees at no cost.
  • Pays a benefit of 1x* your annual salary (minimum $20,000; maximum $500,000*)
  • There's no medical underwriting and coverage begins on your first day of employment.

*Other coverage levels and maximums may be available for certain physician and executive roles. View the Summary Plan Description to learn more.

Supplemental AD&D Insurance

Available to all benefits-eligible employees at your own cost. You can purchase additional coverage for you, your spouse and/or child(ren).

  • You: Benefit amount up to 7x salary | maximum $2 million*
  • Spouse: Up to $250,000 | but not more than your benefit amount
  • Child: $10,000
Actively at work provision: If you request to elect or increase you or your dependents’ coverage and are not actively at work at the start of the plan year, your coverage changes will not take effect until the date you return to work.

*Other coverage levels and maximums may be available for certain physician and executive roles. View the Summary Plan Description to learn more.

Check Premiums

View details about the premiums for Supplemental Life and Supplemental AD&D insurance. 

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  • Need Support Through a Difficult Time?

    New York Life provides immediate and ongoing care as well as resources to guide you through the grief journey.

    Call 800.570.3778

Helpful Resources
Submit a claim

Get started in PeoplePlace.

Go Now

Have a life or AD&D question?

Contact New York Life.

Visit myNYLGBS.com

Call 800.642.8238

View the policy certificate

View the information that corresponds to your employee group.

View files

This site summarizes the programs and benefits available to employees and their eligible dependents. Official plan documents, policies and certificates of insurance that contain the details, conditions, maximum benefit levels and restrictions on benefits govern our benefits program and are available on this site. In case of a conflict between this site and the official documents, the official documents prevail. The information on this site isn't a guarantee of benefits. Baylor Scott & White reserves the right to modify or terminate its employee benefit plans and programs at any time for any reason.

Click here if you have feedback on the website or need to report an issue. All other questions and issues, please contact the corresponding resource on the Need Help page.

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