REI offers a variety of insurance coverages. You can also choose to buy supplemental coverage for you and your eligible dependents.
Plan Details
Insurance Plans
If eligible, you are automatically enrolled in the following plans at no cost to you:
Life and Accidental Death and Dismemberment (AD&D) Insurance
Part-time employees
$20,000
Full-time employees
Benefit equal to 1 times your annual base pay (up to $850,000)
Part-time employees
$20,000
Full-time employees
Benefit equal to 1 times your annual base pay (up to $850,000) for certain serious losses due to an accident
*If you are 65 years or older, life insurance benefits will be reduced. Ages 65-69: The plan will pay 65% of the benefits. Ages 70+: The plan will pay 50% of the benefit.
Supplemental Insurance Plans
You can also choose to purchase the following coverage to supplement your REI-paid basic coverage:
Supplemental Life Insurance*
| WHO'S COVERED | BENEFIT | YOUR BI-WEEKLY CONTRIBUTION |
|---|---|---|
| You | 1 to 8 times your basic life amount (up to $850,000 for full-time employees; combined maximum of $1.7 million for basic and supplemental coverage) | Rates are based on the benefit level you choose and your age. |
| Your spouse/life partner | $20,000, $50,000, $75,000, $100,000, $150,000, $200,000 or $250,000 | Rates are based on the benefit level you choose and your age. |
| Your children (over 6 months) | $10,000 $20,000 | $0.91 $1.82 |
Supplemental Accidental Death & Dismemberment (AD&D) for You*
| WHO’S COVERED | BENEFIT | YOUR BI-WEEKLY CONTRIBUTION |
|---|---|---|
| You | $25,000 | $0.21 |
| $50,000 | $0.42 | |
| $100,000 | $0.83 | |
| $150,000 | $1.25 | |
| $200,000 | $1.66 | |
| $300,000 | $2.49 |
Supplemental Accidental Death & Dismemberment (AD&D) for You and Your Dependents*
| WHO’S COVERED | BENEFIT | YOUR BI-WEEKLY CONTRIBUTION |
|---|---|---|
| You + dependents (spouse/life partner and/or children) | $25,000 | $0.31 |
| $50,000 | $0.62 | |
| $100,000 | $1.25 | |
| $150,000 | $1.87 | |
| $200,000 | $2.49 | |
| $300,000 | $3.74 |
Resources
- Review My Tomorrow: Use this tool to better understand your life insurance and AD&D plan benefits.
- Part-time employees: Use this tool to estimate your life and AD&D cost per paycheck.
- Full-time employees: Use this tool to estimate your life and AD&D cost per paycheck.
Evidence of Insurability (EOI)
You or your spouse/life partner may be required to complete Evidence of Insurability (EOI), also known as proof of good health, in the form of a questionnaire or medical examination prior to having your Supplemental Life Insurance election approved.
When is Evidence of Insurability needed?
If you don’t enroll when you are initially eligible or you want to increase your coverage, certain types of insurance require you or your family members to show proof of good health. During Benefits Open Enrollment or for a qualified life event, you may have to provide EOI:
- To enroll in Supplemental Life Insurance or Supplemental LTD for the first time.
- To increase your Supplemental Life Insurance coverage amount by more than one level.
- To enroll in or increase your Supplemental Spouse/Life Partner Life Insurance coverage.
How will I know if EOI is required?
REI’s enrollment system will help you determine if EOI is required while you are electing coverage or making changes.
How do I receive and complete EOI paperwork?
If EOI is required for Employee Supplemental or Spouse Life Insurance, The Hartford will send you or your spouse/life partner an EOI form in the mail. Complete and mail the form or submit it through The Hartford’s online system within 31 days. If the form is late, your coverage may be delayed.
If EOI is required for Voluntary Long Term Disability, Lincoln Financial Group will email you a link to complete the health questionnaire online. If you have questions, contact Lincoln Financial Group at 1-888-287-8494, option 2.
How can I check the status of my EOI application?
For Life Insurance: Call The Hartford at 1-800-331-7234 to check the status of your application. Once The Hartford has approved your EOI, they will notify the Employee Service Center and the appropriate payroll contributions will be made.
For Voluntary Long Term Disability: Call Lincoln Financial Group at 1-888-287-8494, option 2.
Choosing Your Beneficiary
If you’re new to REI’s Benefits Plan, you must designate a beneficiary for your Life and AD&D coverage. When you enroll using REI’s benefits enrollment system, you’ll have to include the beneficiary’s full name, Social Security number and relationship to you. You can change your designation at any time for any reason. As a reminder, your beneficiary for the retirement plan needs to be completed separately through Charles Schwab.
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