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.