CSM provides Basic Life Insurance, Accidental Death and Dismemberment (AD&D), and Disability Insurance. These benefits are administered through Unum and are provided by CSM, which means the entire cost is paid for by CSM.
Life and AD&D
Voluntary Life and AD&D
Group term life insurance for you, your spouse, and dependent children can be purchased through Unum. The rates vary based on age and coverage amount. If you are newly benefit eligible or if you already have voluntary life insurance through Unum, you can buy life coverage for yourself up to $180,000, and for your spouse up to $50,000; without the need to provide any sort of evidence of insurability. Rates are age banded, and based on your age as of January 1st of the current plan year. Age bands typically change every 5 years. Rates can be viewed in WEX.
- Employees can purchase coverage in $10,000 increments up to a maximum of 5x salary or $500,000.
- Spouse coverage can be purchased in $5,000 increments to a max of $250,000 but not to exceed 100% of the associate’s voluntary life amount.
- Child coverage can be purchased in $1,000 increments to a maximum of $10,000.
- To enroll in coverage for a spouse or child you must enroll in associate voluntary life.
Summary Plan Documents
2024 documents coming soon!
Plan Administrator Resources
Unum
