Life and Disability Coverage

Group Term Life and AD&D

Benefit-eligible employees receive group term life and accidental death and dismemberment through Cigna. The benefit is 3.5 times annual salary (maximum of $250,000) rounded up to the next $1,000. Carleton pays the full premium, but premiums paid on any coverage in excess of $50,000 are considered taxable income, so employees may choose to limit coverage to $50,000.

Coverage is reduced by age starting at age 65.

Plan Documents and Forms  


Voluntary Life and AD&D

Benfit-eligible employees may purchase additional coverage for themselves and their families, which may be subject to underwriting.

Plan Documents and Forms  

Long-Term Disability

The voluntary Cigna disability insurance provides income protection if an employee is unable to work after a 90 day waiting period. The premium is shared between the employee and Carleton. 

Plan Documents and Forms