Plan features

Review your certificate for additional detail.

Automatic coverage increases

Your Group Term Life insurance will increase as your salary increases, subject to the plan maximum.

Accidental death & dismemberment (AD&D)

The voluntary AD&D insurance plan provides you with an additional insurance benefit if your death results from an accident, or pays a benefit to you should you suffer a loss from an injury as defined in the plan.

Waiver of premium

If you become disabled prior to age 60, your life insurance premiums may be waived.

Accelerated death benefit

If you become terminally ill with 12 months or less to live, you may request an early payment of up to 100 percent of your life insurance amount.

Portability

If you leave or retire from Sodexo, you may be eligible to take your group term life, spouse term life and child term life insurance with you and pay premiums directly to us. Portable coverage must be applied for within 31 days of termination or retirement. Premiums paid may be higher than those paid by active employees.

Conversion

You have the option to convert your coverage to an individual life policy within 31 days of termination or retirement. Any coverage not eligible for portability is also eligible for conversion, with the exception of voluntary AD&D coverage.