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Life Insurance

Both Life Insurance and Accidental Death and Dismemberment (AD&D) coverage protects companies and their employees in the event that something unexpected occurs. Admins who wish to manage their life insurance can do so through Zenefits. Employees can also enroll and manage their life insurance through the Zenefits dashboard.

What are the different types of life and AD&D insurance plans in Zenefits?

Zenefits supports the following Life and AD&D plans. Plan Types The basic life plan is mandatory. Basic Life Plan (100% employer contribution, employee enrollment is ma... Learn more

How are life insurance rates calculated?

The primary unit for figuring out a life insurance rate is the rate per thousand (cost per $1000 of insurance), which can vary depending on which factors influence it (age, gend... Learn more

What is a "guaranteed issue" amount?

A plan's guaranteed issue (GI) is the amount of life insurance available to an employee without having to provide Evidence of Insurability, or EOI. For Guaranteed Issues, Zenef... Learn more

What are some key terms for life insurance and AD&D?

A glossary of key terms related to Life and Accidental Death and Dismemberment (AD&D) insurance. Life Insurance and AD&D terminology Amount of Insurance Currently Inforce: T... Learn more

How do I add a beneficiary to my life insurance policy?

An employee may need to update their beneficiary information if they get married, divorced, or have a child.You can designate your beneficiaries when you make your benefits sele... Learn more

What does "Totally Disabled" mean and why is my coverage delayed because of it?

Voluntary life insurance carriers frequently exclude from coverage any individual to whom the label Totally Disabled applies at the time coverage is sought. This rule is set... Learn more

What is Benefits Reduction?

Benefits reduction is when the maximum volume amount gradually decreases as an employee ages. For example, if an employee has elected $100,000  when they were 64, and are now tu... Learn more

How to Approve a New Life and Disability Amount

To change the approved coverage amount for life or disability insurance for an employee, follow these steps:In your Zenefits dashboard, click on the Benefits Administration app,... Learn more

EOI Submission and Approval Process

When an employee or dependent applies for a life or disability amount above the guarantee issue (GI), an Evidence of Insurability (EOI) is needed.  Insurance carriers can take m... Learn more

Benefits Reduction Changes in the Zenefits Product

How did the prior functionality work?Employees would make elections in the system and we would calculate their elected amount/volume based on the applicable benefit reduction.  ... Learn more

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