2027 EMPLOYEE BENEFITS · LIFE & AD&D
YOUR 2027 LIFE & AD&D
Protection for the people you love.
Understand your basic life insurance and the supplemental coverage you can elect through UnitedHealthcare. Effective January 1, 2027.
Supplemental coverage at a glance.
Employee coverage is required to elect spouse or child coverage.
| Coverage | Available amount | Guaranteed-issue limit |
|---|---|---|
| Employee | $10,000 increments; up to $500,000 and 5× annual earnings | Up to $250,000, capped at 5× annual earnings |
| Spouse | $5,000 increments; up to $250,000 and 100% of employee coverage | $50,000 |
| Children | $2,000 increments; up to $10,000 and 50% of employee amount | $10,000 |
Guaranteed issue is subject to eligibility, active-at-work rules, and enrollment provisions. Age reductions and special limits for infants apply.
A special enrollment opportunity for 2027.
Eligible actively-at-work employees have a one-time opportunity to enroll or increase coverage up to the guaranteed-issue limits without proof of good health. UHC must receive requests by January 31, 2027; this carrier submission date is separate from your open-enrollment deadline. Submit your 2027 elections in Rippling during November 17–27, 2026; the employer deadline is November 27.
Life insurance and AD&D are separate elections.
You can elect supplemental life without supplemental AD&D. Supplemental AD&D cannot be purchased without supplemental life, and cannot exceed the approved life amount. Exclusions, age reductions and coverage terms apply.
Supplemental life and AD&D costs.
Per benefit deduction · 24 deductions per year. The rates below combine life and AD&D and vary by age and elected amount.
View life and AD&D age-based rates
| Age band | Employee: per $10,000 | Spouse: per $5,000 |
|---|---|---|
| 18–34 | $0.32 | $0.16 |
| 35–39 | $0.395 | $0.20 |
| 40–44 | $0.665 | $0.33 |
| 45–49 | $1.20 | $0.60 |
| 50–54 | $1.78 | $0.89 |
| 55–59 | $2.97 | $1.49 |
| 60–64 | $5.01 | $2.50 |
| 65–69 | $8.77 | $4.39 |
| 70+ | $13.49 | $6.75 |
Child life and AD&D: $1.09 per benefit deduction for $10,000 coverage, subject to infant and coverage limits. Confirm the applicable age band and election in Rippling.
Life and AD&D can be separate elections.
Coverage is subject to the official plan documents, which govern in the event of a difference.
Benefits questions? Start with the ERC.
Contact the Higginbotham Employee Response Center for benefits information, enrollment help, eligibility questions, and claims or billing questions.
Monday–Friday, 6:00 a.m.–5:00 p.m. EST
Messages left after 2:00 p.m. ET will be returned the next business day.
Bilingual representatives are available.
Plan documents · Questions & answers · ERC & support · 2026 benefits
The information on this website summarizes the benefits offered by Momentive Software. If there is a difference, the official plan documents govern.