Life and AD&D

Life insurance can help provide for your loved ones if something were to happen to you. Associated Packaging provides full-time employees with $20,000 in group life and accidental death and dismemberment (AD&D) insurance.

API pays for the full cost of this benefit—meaning you are not responsible for paying any monthly premiums. Contact HR if you would like to update your beneficiary information during the year.

Group Life Summary

Group Life Conversion Form

API employees can purchase voluntary life insurance. When you enroll yourself and/or your dependents in this benefit, you pay the full cost through payroll deductions.

You may elect an amount of life insurance from $10,000 to $500,000, in increments of $10,000 to a maximum of 5 times your annual earnings.

At initial eligibility, the guarantee issue (GI) amount is 5 times your annual earnings or $150,000, whichever is less. If you are currently enrolled with less than the guarantee issue amount, you may increase your election by up to $20,000, up to the GI amount, without answering health questions. If you elect coverage over the GI amount or after your initial eligibility, you will be required to complete an Evidence of Insurability form with health questions.

Voluntary Life Summary

Voluntary Life Portability Form 

Life Claim Form

Submit Evidence of Insurability Online

Submit Life Claim Form Online

You may elect for an amount of life insurance for your spouse from $5,000 to $100,000, in increments of $5,000, provided the amount elected does not exceed 100% of your life insurance benefit or $100,000. At initial eligibility, the guarantee issue amount for your spouse is 100% of your benefit up to $50,000. Rates are based on employee age.

You may elect an amount of life insurance for your dependent children of $10,000. Each eligible dependent child must have the same amount of insurance. The guarantee issue amount for your dependent child(ren) is $10,000. If you elect coverage after your initial eligibility, you will be required to complete an Evidence of Insurability form with health questions.

If you apply for coverage, your policy is not in force until written approval from Mutual of Omaha is received.

If you apply for coverage after the initial eligibility period or for more than the GI amount. This policy is not in force until written approval is received from Mutual of Omaha.

If your group life coverage ends or reduces, you may be eligible to continue (“port”) your employer-sponsored life/accidental death & dismemberment insurance to a group term life policy or convert your life insurance policy to an individual whole life policy in order to maintain coverage. If you have any questions regarding the portability or conversion, contact your benefits administrator or call the toll-free number provided by Mutual of Omaha Ins. Company. You can reach a service representative by calling 877-466-8367.

Patient Protection Rights Under Healthcare Reform