Overview
To help protect the financial well-being of your loved ones, Huber provides basic life insurance and accidental death and dismemberment (AD&D) insurance for employees — at no cost to you — along with the opportunity to purchase supplemental coverage. In addition, you have the protection of company-paid business travel accident insurance.
2025 life and AD&D insurance plans
Basic life and AD&D insurance
Huber provides company-paid employee life insurance coverage of a specific amount that lasts throughout your employment.
Supplemental life and AD&D insurance
If you want additional coverage, you can buy supplemental life and AD&D insurance for yourself and your family.
Basic Life and AD&D Insurance
Huber provides you with basic life and AD&D insurance to assist you and your family in the event of your death or dismemberment. These benefits are fully paid by the company and coverage is automatic — you do not need to enroll, and there is no cost to you.
Coverage amount:
- Life insurance: Two times your annual base salary
- AD&D insurance: Two times your annual base salary
What is AD&D insurance?
Should you lose your life, sight, hearing, speech, or use of your limb(s) in an accident, AD&D insurance provides additional benefits to help keep your family financially secure. AD&D benefits are paid as a percentage of your coverage amount — from 50% to 100% — depending on the type of loss. AD&D benefits are paid in addition to any life insurance you may receive.
How company-paid life insurance is taxed
Federal tax law requires Huber to report the cost of company-paid life insurance in excess of $50,000 as imputed income, which is subject to income tax. You’ll notice this on your pay statements and your W-2.
Supplemental Life and AD&D Insurance
If you want more financial protection beyond the basic coverage that Huber provides, you can buy supplemental life and AD&D insurance for yourself and your family members. You can enroll as a new hire, during Annual Enrollment, or if you have a qualified life status event. You pay the full cost of this coverage, which is provided through Lincoln Financial Group. You must purchase coverage for yourself in order to purchase it for your dependents.
To enroll, log in to COMPASS (or visit COMPASS through single sign-on access when inside the Huber Network if you have already registered.
Supplemental life insurance
| Who are you covering: | Coverage options: |
|---|---|
| You | 1 – 4 times your salary, up to a maximum of $1,250,000 combined between basic and supplemental coverage* (Coverage is reduced beginning at age 65.) |
| Your spouse | Available in benefit amounts of $10,000, $25,000, $50,000, or $100,000* |
| Your child(ren) | Available in benefit amounts of $5,000, $10,000, $15,000, or $20,000 per child (from live birth up to age 26) |
Supplemental AD&D insurance
| Who are you covering: | Coverage options: |
|---|---|
| You | Available in increments of $100,000, $200,000, $300,000, $400,000, and $500,000 (Coverage is reduced beginning at age 65.) |
| You and your spouse | Your spouse benefit will be 50% of your coverage (Coverage is reduced when the employee turns 65.) |
| You and your children | Each child benefit will be 15% of your coverage |
| Your whole family | Your spouse benefit will be 40% of your coverage and each child benefit will be 10% of your coverage |
*Evidence of insurability
Supplemental life insurance for you and your spouse/domestic partner over a certain benefit amount may require evidence of insurability (EOI), or proof of good health.
Note: If coverage is elected when first eligible, EOI is not required for:
- employee supplemental life insurance coverage up to three times salary or $300,000
- Spouse life insurance coverage up to $25,000
EOI is never required for child life insurance or AD&D insurance.
Business Travel Accident Insurance
When traveling on behalf of the company, be assured you are protected under a company-paid business travel accident insurance policy should an accident occur. Huber provides $200,000 of basic business travel accident insurance (BTA) at no cost to you. This coverage doesn’t cover your normal commute to work each day. The benefit amount is reduced beginning at age 70.