Death & Disability Eligibility

The purpose of the Death & Disability Plan is to provide eligible employees, consultants, other staff, and their families with adequate protection in the event of death, dismemberment, or disability. Please note that benefits vary by Employment Classification. If you are uncertain as to which benefits you are eligible for, contact the Human Resource department at your Center for your designated Employment Classification.

The following events are covered under the Plan:

• For employees:
  • Death in service benefit (Life);
  • Accidental death and dismemberment benefit (AD&D); and
  • Long-term disability benefit (LTD).
• For dependents of full- and part-time employees:
  • Accidental death and dismemberment under the AD&D policy.

You are eligible for coverage if your Center participates in the Death & Disability Plan and you are authorized by your Center to enroll because you meet the respective criteria for one of the following Employment Classifications:

• A full-time employee working your Center’s normal work week;
• A part-time employee working at least 20 hours per week or 50% of your Center’s normal work week and hired to work at the Center for at least one year;
• A long-term consultant contracted to work for a Center for at least a year;
• A short-term employee or consultant contracted to work for a Center less than a year but more than two months*;
• A visiting scientist working temporarily at a Center;
• A trainee/student in a Center’s training/educational program. Coverage is limited to two months or less.*; or
• A very short-term employee working for less than two months.*

* Please note that participants who are enrolled in the Employment Classification of short-term employee or consultant are not eligible for long term disability (LTD) and that participants who are enrolled in the Employment Classifications of visiting scientist, trainees/students or very short-term employees are ineligible for both long term disability (LTD) and life coverage.

Dependents are eligible to be covered by the accidental death and dismemberment benefit based on the Employment Classification of the parent employed by the Center. The following are considered eligible dependents:

• The lawful spouse or non-married partner in accordance with your Center’s policy;
• Any unmarried child younger than age 26; and
• A disabled child of any age.

Naming a Beneficiary

It is really important to name a beneficiary for your Life and AD&D policies in the event of your death to ensure that the financial benefit is paid to individuals based on your current wishes. To name or update a beneficiary, complete the Beneficiary Designation Form for IARC Insurance Plan which can be found in the Quick Links.