Financial

Life Insurance and AD&D

Enable Midstream pays the full cost of your Basic Life Insurance and Basic Accidental Death & Dismemberment (AD&D) coverage. These benefits are automatically yours, just for being an Enable Midstream employee.

  • Basic Life Insurance pays your beneficiary two times your salary, up to $400,000, upon your death.
  • Basic Accidental Death & Dismemberment (AD&D) pays two times your salary, up to $400,000, for loss of life or limb.

Additional Income Protection

You can purchase additional Life Insurance and AD&D Insurance for yourself, your spouse and your children. Keep in mind, you must first elect voluntary coverage for yourself before you can cover your family. There is no evidence of insurability (EOI) requirement for employees if they enroll in Voluntary Life Insurance when they first become eligible for the benefit. If you elect Spouse Life Insurance coverage over $50,000, EOI will be required. Explore your voluntary income protection options and rates.  

Voluntary Income Protection Options

Voluntary Life Insurance

Who You Can Cover Coverage Amounts Purchase in Increments
Yourself Up to 5x your annual earnings (or $450,000, whichever is less) $10,000
Your spouse The lesser of 50% of your voluntary coverage or $250,000 $5,000
Your children The lesser of 50% of your voluntary coverage or $10,000 $2,000

Voluntary Accidental Death & Dismemberment (AD&D)

Who You Can Cover Coverage Amounts Purchase in Increments
Yourself Up to 5x your annual earnings (or $450,000, whichever is less) $10,000
Your spouse The lesser of 50% of your voluntary coverage or $250,000 $5,000
Your child(ren) The lesser of 50% of your voluntary coverage or $10,000 $2,000

Voluntary Life and AD&D Rates

Voluntary Life Insurance Rates

Monthly Rate Per $1,000 of Coverage
Age Employee Spouse
15-24 y/o $.059 $.059
25-29 y/o $.066 $.066
30-34 y/o $.079 $.079
35-39 y/o $0.098 $0.098
40-44 y/o $.123 $.123
45-49 y/o $.180 $.180
50-54 y/o $.288 $.288
55-59 y/o $.535 $.535
60-64 y/o $.733 $.733
65-69 y/o $1.093 $1.093
70-74 y/o $2.069 $2.069
75+ $2.575 $2.575

Voluntary Child Life Insurance

Monthly Rate $.15 per 1,000 of coverage

Voluntary AD&D

Monthly Rate Per $1,000 of Coverage
Employee $.020             
Spouse $.026
Child $.015

 

If you have additional questions, visit our insurance provider's website or call 800-524-0542

 

For detailed plan information, visit the Plan Documents page on the HUB. You may also request a copy of the plan document by contacting the HR Service Center at 844-687-4748 (844-OUR-HR4U) or HR@enablemidstream.com.

ENROLLMENT POLICY

The information on this site is intended to summarize your 2021 Enable Midstream benefits. Not all plan provisions, limitations or exclusions are described in this publication. In case of a conflict between the information provided in this summary and the actual plan documents and insurance contracts, the plan documents and insurance contracts will govern. The plan sponsors have the right to change or terminate benefits at any time.

If you have questions about enrollment or your benefits, you can contact our HR Service Center at 844-687-4748 (844-OUR-HR4U) or HR@EnableMidstream.com.