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2017 Stantec
Benefits Guide
Accidental Death & Dismemberment – AD&D (Cigna)
You can enroll in both Company-paid and voluntary employee-paid Accidental Death &
Dismemberment (AD&D) options. Your beneficiary receives a benefit equal to your
coverage amount upon your death.
Basic Employee AD&D (Cigna)
Your AD&D coverage provides a lump-sum benefit to you or your beneficiary if you or any covered
dependent dies or suffers a severe injury resulting from an accident. This costs you nothing and
provides an AD&D benefit of two times your annual base salary (rounded to the next higher
$1,000) to a maximum of $500,000.
If you’re over 65, please see the plan documents on StanNet for details about your benefits. Your
coverage is reduced at the beginning of the plan year when you reach age 70.
Voluntary Employee and Dependent AD&D (Cigna)
You may select additional AD&D coverage for yourself, your spouse or domestic partner, and your
children or your domestic partner’s children according to the following schedule.
Voluntary AD&D Coverage
AD&D and Personal Accident Insurance (PAI) benefit amount.
(AD&D for employees only; PAI for dependents only)
Employee
$10,000 increments
Spouse or domestic partner
50% of employee amount
Child(ren) live birth to age 26
15% of employee amount per child
Spouse or domestic partner and
child(ren)
50% of employee amount for spouse or domestic partner;
15% of employee amount per child
Maximum Benefit
Employee
The lesser of 10x annual salary or $500,000
Spouse or domestic partner
50% of employee amount to $250,000
Child(ren) live birth to age 26
15% of employee amount to $25,000 per child
Spouse or domestic partner and
child(ren)
50% of employee amount for spouse or domestic partner;
15% of employee amount to $25,000 per child
Included Plan Features
Go to
mycigna.comfor details.
Child Care, Common Accident,
Felonious Assault, Healthy
Rewards, Identity Theft, Increased
Child Dismemberment
Seatbelt, Airbag, Child Special
Education, Spouse Survivor,
Spouse Training,
Will Preparation
Benefit Reduction Schedule
Employee
65% at age 70