Life and AD&D Benefits

Argus Consulting offers you and your family a Basic Life and Accidental Death and Dismemberment policy at no cost to you.
This is a 100% employer-paid benefit.

You must be actively working a minimum of 130 hours per month to be eligible for coverage.
To be eligible for coverage, your dependents must be able to perform normal activities, and not be confined (at home, in a hospital, or in any other care facility), and any child(ren) must be under age 26.


Employee Basic Life	An amount equal to 1 times your annual salary, but in no event less than $10,000 or more than $100,000
Employee Basic AD&D	Equal to Life Benefit
Spouse Basic Life	$10,000
Child Basic Life (To Age 26)	$1,000

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Summary of Benefits

When your needs call for more than Basic Life and AD&D coverage, additional Voluntary Life and AD&D coverage is available to purchase for you, your spouse and your dependent children. Coverage purchased through this plan is offered at a group discounted rate with guarantee issue amounts.

Employee voluntary life must be elected in order to elect spouse or child voluntary life coverage. See plan documents for a list of rates.


Employee Voluntary Life	5x annual earnings up to $500,000
Employee Guaranteed Issue (GI)	$100,000
Spouse Voluntary Life	100% of employee benefit up to $250,000
Spouse Guaranteed Issue (GI)	100% of employee benefit up to $25,000
Child Voluntary Life	$10,000