Human Resources

Supplemental Employee Life Insurance

For greater financial protection, in addition to your WHOI provided Basic Life & Accidental Death & Dismemberment (AD&D) insurance, you may purchase additional Employee Supplemental Life & AD&D insurance up to 4X (four times) your annual base salary, to a maximum of $500,000. This insurance is available to employees at group rates based upon the employee’s age and salary.  If electing coverage for the first time during your 'initial eligibility' and the supplemental amount exceeds the lesser of 3X (three times) your salary or $250,000, you will be required to complete a medical "Evidence of Insurability Form".  In addition, if you elect coverage or increase your coverage amount outside your initial eligibility period, you must complete an “Evidence of Insurability Form” in order to apply for the additional coverage, regardless of the amount of coverage.

Supplemental Employee Life & AD&D insurance is deducted out of each pay period on an after-tax basis and is subject to change with changes in age and/or annual salary.  Supplemental Life insurance is reduced beginning at age 65.  


% of Basic Life Insurance

in effect prior to age 65

65-69 65%
70-74 45%
75-79 30%
80+ 20%

NOTE: Your initial eligibility is defined as your official employment date into a regular benefited position.

Last updated: January 12, 2018