Life and AD&D

Protection for the ones you love in case the unexpected happens.

What you need to know

Basic life and AD&D insurance pays a benefit if you or a covered family member dies accidentally or suffers certain injuries in an accident.

Rentokil provides you with basic life and AD&D, and the Company pays the full cost of coverage equal to 1x your frozen earningsFrozen Earnings & Eligibility: STD and LTD coverage is based on your “frozen earnings,” calculated from your pay (salary or hourly wages, overtime, incentives, commissions, and bonuses) earned between September and August and updated each January 1. (rounded to the next highest $1,000), up to $1 million.

Building Additional Coverage

You have the option to elect supplemental life and AD&D policy for you and your spouse and/or children. To enroll in supplemental life and AD&D for your dependents, you must enroll yourself.

Note: If your spouse/child is also a Rentokil colleague, you can’t carry duplicate benefits.

Benefit amount
Maximum
Supplemental life and AD&D
Choose:
$25,000
$50,000
$100,000
$150,000
$200,000
$250,000
$300,000
+ $50,000 increments up to $1 million
$1,000,000
Spouse life and AD&D
Choose:
$10,000
$25,000
$50,000
$75,000
$100,000
$125,000
$150,000
$200,000
$250,000
$250,000
Child life and AD&D 1
Choose:
$2,000
$5,000
$10,000
$15,000
$25,000
$25,000
1 When you enroll for child coverage, it applies to all eligible children at no additional cost.

How it works

Receive Company-paid basic life and AD&D

Basic life and AD&D insurance benefits.

The Company provides basic life and AD&D insurance equal to 1x your frozen earnings (rounded to the next $1,000), to a maximum of $1 million.1

If you’re 70 years of age or older, basic life and AD&D benefits will be reduced.

  • Age 70: The plan will pay 50 percent of the benefit.
  • Age 75: The plan will pay 35 percent of the benefit.
  • Age 80: The plan will pay 25 percent of the benefit.

Purchase supplemental life and AD&D

You can buy additional coverage.

If you would like to increase your coverage, you can buy supplemental life and AD&D coverage for yourself and your family. You pay the full cost of any supplemental life and AD&D insurance you choose. Your cost depends on your age and your frozen earnings.

View supplemental life and AD&D rates.

Designate a beneficiary

Naming a beneficiary for your coverage ensures that, in the event of your passing, benefits will be paid according to your wishes.

You can name one or several people as beneficiaries. You can even name different beneficiaries for your basic and supplemental life and AD&D coverage. And you can change your beneficiary(ies) at any time.

If you don’t designate a beneficiary, any benefits will be paid to your survivors or estate in a predetermined manner based on insurance law and the applicable insurance policy. If you don’t want someone else making those decisions for you, make sure your beneficiary designations are complete and up to date in Workday.

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1The cost of basic life insurance coverage over $50,000 is considered imputed income for federal tax purposes. There will be a line on your paycheck showing “Excess Life Imputed” if this applies to you.

Evidence of Insurability (EOI)

For certain levels of coverage, you or your spouse may be asked to provide EOI as proof of good health before your supplemental life insurance coverage is approved. Securian will contact you directly via email and by postal mail with instructions on completing EOI. After 45 days, if no response is received, the record is closed and denied.