Life and AD&D Insurance

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

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

* Does not apply to Protiviti Variable employees.

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

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.

* Does not apply to Protiviti Variable employees.

	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.

**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.

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.

* Does not apply to Protiviti Variable employees.

	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.