Voluntary Life Insurance, Long-Term Disability (LTD) and AD&D Coverage
Haworth provides Life Insurance and Accidental Death and Dismemberment (AD&D) coverage for full-time members at NO additional cost, equal to 1x their annual salary. All eligible full-time members may choose to purchase additional amounts from the following options.
For more information about Voluntary Life Insurance and AD&D please visit
Hometown > HRHelp
and search for "Life Insurance".
| Voluntary Life Insurance and AD&D Coverage Plan Highlights | |
|---|---|
| Additional Member Coverage | You can purchase up to 4x your annual base pay. No evidence of insurability (EOI) required for 1x increase. If higher levels elected an EOI will be required. |
| Voluntary Spouse Coverage | You can purchase up to $100,000 in coverage. Member must have elected voluntary coverage before spouse can be covered. Can’t exceed Member Basic Plus Member Voluntary. NO EOI required for up to $50,000 if elected at hire. |
| Dependent Child(ren) Coverage | You can purchase up to $20,000 in coverage. No EOI is required. Member must have elected voluntary coverage before child(ren) can be covered. |
| Voluntary AD&D Coverage | You can purchase coverage for yourself and your family up to 5x your annual base pay. No EOI required. |
| 2026 Voluntary LTD Buy-up Rates | Cost Per $100 of Coverage |
|---|---|
| Member Only LTD Coverage | $0.173 |
| Additional AD&D Coverage | Cost Per $1,000 of Coverage |
|---|---|
| Member only AD&D Coverage | $0.03 |
| Family AD&D Coverage | $0.05 |
2026 Monthly Rates
| Additional Life Coverage | Age | Cost Per $1,000 of Coverage |
|---|---|---|
| Member Life | Under 30 | $0.041 |
| 30-34 | $0.050 | |
| 35-39 | $0.059 | |
| 40-44 | $0.084 | |
| 45-49 | $0.133 | |
| 50-54 | $0.204 | |
| 55-59 | $0.382 | |
| 60-64 | $0.586 | |
| 65-69 | $1.128 | |
| 70+ | $1.829 | |
| Spouse Life | - | $0.140 |
| Child Life | - | $0.156 |
Note: Spousal insurance may not be elected unless the member life is elected. Spousal insurance may not exceed member's total Life Insurance amount.
Accident, Critical Illness, and Hospital Indemnity Coverage
Haworth offers additional voluntary coverage options through Lincoln Financial Group to provide extra financial protection for unexpected events. These include the following:
Accident Coverage
Provides a cash benefit if you experience a covered off-the-job injury. An extensive list of eligible injuries and treatments is available in the link below.
Critical Illness Coverage
Offers a lump-sum payment if you are diagnosed with a covered illness. The payout is received for each eligible condition diagnosed and can be used however you see fit.
Hospital Indemnity Coverage
Delivers a cash benefit if you or a covered dependent are admitted to the hospital overnight.
For more information please visit
Hometown > HRHelp and search for Accident Coverage,” “Critical Illness Coverage,” or “Hospital Indemnity Coverage.”
Lincoln Financial Group Voluntary Accident Coverage
| Coverage | Per-Pay-Period Deduction |
|---|---|
| Member Only | $4.66 |
| Member + Spouse | $7.58 |
| Member + Child(ren) | $8.10 |
| Family | $11.00 |
| Coverage Level | Member Only | Member + Spouse | Member + Child(ren) | Family |
|---|---|---|---|---|
| Bi-Weekly | $7.82 | $16.96 | $12.16 | $22.22 |
Lincoln Financial Group Voluntary Critical Illness Coverage (2025 Monthly Rates per $10,000 of Coverage)
Hospital Indemnity
| Age | Employee | Spouse |
|---|---|---|
| Under 25 | $1.80 | $0.90 |
| 25-29 | $2.70 | $1.35 |
| 30-34 | $4.00 | $2.00 |
| 35-39 | $5.80 | $2.90 |
| 40-44 | $8.50 | $4.25 |
| 45-49 | $11.70 | $5.85 |
| 50-54 | $18.70 | $9.35 |
| 55-59 | $25.00 | $12.50 |
| 60-64 | $34.90 | $17.45 |
| 65-69 | $47.80 | $23.90 |
| 70-74 | $48.60 | $24.30 |
| 75-79 | $48.60 | $24.30 |
| 80-84 | $48.60 | $24.30 |
| 85+ | $48.60 | $24.30 |