General Lab Information

Life Insurance & AD&D Plan

The Life Insurance and Accidental Death and Dismemberment (AD&D) Insurance Plan provides life insurance in the case of death and AD&D insurance in the case of certain dismembering injuries or accidental death.

Benefit Provided

Employee Basic Accidental Death and Dismemberment (AD&D) Insurance coverage is in addition to Employee Basic Life Insurance coverage and is provided in an amount of $25,000. Employee Basic AD&D Insurance coverage is provided at no cost to you in an amount equal to your Annual Base Salary, rounded to the next higher multiple of $2,500. For part-time employees, coverage is based on your actual part-time Annual base Salary. In addition to Employee Basic AD&D Insurance coverage, Employee Supplemental AD&D Insurance is also available. The maximum amount of total AD&D Insurance coverage, including both Employee Basic AD&D Insurance and Employee Supplemental AD&D Insurance, is 5 times your Annual Base Salary, subject to a maximum of $1,000,000, rounded to the nearest $500. See the Summary Plan Description below for details.

Enrollment or Changes

Eligible employees may enroll for Employee Supplemental Life Insurance, Spouse Supplemental Life Insurance, Dependent Child Supplemental Life Insurance, Employee Supplemental AD&D Insurance and Spouse Supplemental AD&D Insurance within 90 days of their date of hire.

To enroll or make a change, go online through Workday > Employee Self Service > Benefits App > Changes. Coverage will be effective on the date the employee submits the online enrollment election unless the amount of coverage requires Evidence of Insurability (see Summary Plan Document below for details).

Who's Eligible for the Life Insurance and AD&D Insurance Plan?

Eligible Active Employees

All regular employees, of Brookhaven Science Associates, LLC (the “Employer”) including expatriates and third-country nationals, who work at least 20 hours per week are eligible to participate in the Life Insurance and AD&D Insurance Plan on the first day of active employment. An employee is a “regular employee” if he/she is classified and treated for federal income tax purposes by the Employer as a regular full-time or regular part-time employee of the Employer (as opposed to a temporary, seasonal or casual employee, intern, independent contractor or consultant, agency worker or leased employee) even if the Employer's classification is later determined to be incorrect. 

Ineligible Employees

  • Employees who are resident undocumented aliens;
  • Employees whose terms of employment are covered by a collective bargaining agreement to which the Employer is a party, unless the collective bargaining agreement provides otherwise;
  • Employees living or working in a country subject to the sanctions program administered by the U.S. Treasury Department's Office of Foreign Asset Control; or
  • Employees living or working in a country not meeting the insurer's published underwriting criteria.