Overview

Available to Robert Half and Protiviti employees and those in the Salaried Professional Services program (excluding temporary employees in Hawaii) — refer to your benefits guide for the plans available to you.

When the unexpected happens, you and your family are protected with life and accident insurance provided through Lincoln Financial.

Basic Life and AD&D Insurance

Robert Half provides company-paid basic life and basic accidental death and dismemberment (AD&D) insurance if you’re a regular, full-time employee.

Plan Coverage
Basic Life Insurance Two times your base pay plus bonus and commissions, to a maximum of $1 million
Basic AD&D Insurance Two times your base pay plus bonus and commissions, to a maximum of $1 million
iconImputed Income for Coverage Over $50,000

The IRS requires that the cost for your basic life insurance coverage in excess of $50,000 be considered taxable income to you. The value of this coverage, called “imputed income,” is reported on your federal W-2 form each year.

Imputed income also applies for supplemental spouse life insurance coverage.

Supplemental Life Insurance

If you want additional coverage, you can purchase supplemental life insurance for yourself and your eligible dependents.

You pay the full cost of supplemental insurance on an after-tax basis. If you want to purchase coverage for your dependents, you must also purchase coverage for yourself.

Guarantee Issue Amounts

If you elect supplemental life insurance when you’re first eligible, you’ll need to complete a Statement of Health, also known as Evidence of Insurability (EOI), only for amounts above the guarantee issue amounts. Any future increases in coverage will require EOI.

If you (and/or your dependents) do not elect coverage when first eligible but elect at a later date, you’ll be required to provide EOI for any amount.

Coverage won’t be effective until the insurance company approves it in writing.

Supplemental Employee Life Supplemental Spouse Life Supplemental Child Life
Coverage amounts available $25,000 increments, up to $2 million $5,000 increments, up to $250,000 or 100% of your own supplemental employee life insurance
(whichever is less)
  • 14 days – 6 months: $1,000
  • 6+ months: $5,000 increments, up to $20,000
Guarantee issue amounts $1 million $50,000 Not required
Age reductions For supplemental life insurance, benefit amounts reduce to:
  • 65% of original coverage when you reach age 65, and
  • 50% of original coverage when you reach age 70.

Supplemental AD&D Insurance

If you want additional coverage, you can purchase supplemental AD&D insurance for yourself or you and your family.

You pay the full cost of supplemental insurance on an after-tax basis.

Supplemental Employee AD&D Supplemental Family AD&D
Coverage amounts available $25,000 increments, up to $2 million
  • Spouse only benefit: 60% of your benefit
  • Child(ren)* only benefit: 20% of your benefit
  • Spouse benefit (if child(ren) are also covered): 50% of your benefit
  • Child(ren)* benefit (if spouse is also covered): 15% of your benefit
Other

If you elect supplemental AD&D insurance, you won’t be required to complete a Statement of Health, also known as Evidence of Insurability (EOI).

Exclusions apply, and additional benefits are available under this plan. Please review the Summary of Benefits Coverage for more details.

Age reduction For supplemental AD&D insurance, benefit amounts reduce to:
  • 65 percent of original coverage when you reach age 65, and
  • 50 percent of original coverage when you reach age 70.

* Coverage is available for eligible children ages 14 days to 26 years.