Dependent Life and AD&D Insurance
Carnegie Mellon enables full-time employees to purchase life insurance that provides coverage in the event of a dependent's death.
- The employee is the automatic beneficiary of the Dependent Life Insurance policy.
- Employees may elect to cover their Spouse/Registered Domestic Partner (DP) and/or Child(ren).
- Participation in this plan is completely optional.
- Enroll within 31 days of your benefits eligibility or increase coverage during Open Enrollment or during a life status change. (Enrolling after initial eligibility or increasing coverage, or certain levels of coverage may require a Statement of Health.)
| Option |
Cost/Pay |
Benefit |
| Dependent Child(ren) |
Covers all dependent children for one price. You do not need to multiply the monthly rate by the number of children you'll be covering.
Infants 14 days - 6 months: coverage is 10% of elected coverage elected.
|
Option 1
$2,500/child |
$0.20 biweekly
$0.40 monthly
|
Option 2
$5,000/child |
$0.40 biweekly
$0.80 monthly
|
Option 3
$10,000/child |
$0.80 biweekly
$1.60 monthly
|
| Spouse/DP |
Rates based on spouse/DP's age. |
Spouse/Domestic Partner insurance equal to 50% of the employee's supplemental insurance, up to $250,000. |
Eligibility Requirements
Initial eligibility:
- Within 31 days of a person's hire into a full-time, benefits-eligible position
- Within 31 days of the birth/adoption of a child (for Dependent Child Life Insurance) or marriage/registration of domestic partnership (for Spouse/DP Life Insurance).
Other eligibility requirements:
- Changes or enrollment may also be made during Open Enrollment or upon another life status change
- Only children who may be claimed as a dependent of the employee for tax purposes may be covered by a Dependent Child Life Insurance policy.
If a spouse/domestic partner is in a Carnegie Mellon benefits-eligible position:
- In a full-time position: the partner may not be covered by the Spouse/DP life insurance plan. Instead, s/he should purchase his/her own Supplemental Life Insurance.
- In a part-time position: the partner may be covered by the Spouse/DP life insurance plan. However, s/he will not be covered by the basic life insurance, nor will s/he be eligible to purchase the additional AD&D coverage under the part-time plan.
