Tapestry provides you with Basic Life and Accidental Death & Dismemberment (AD&D) Insurance to help protect you and your family from the financial impact of an unexpected loss of life or catastrophic accident. You also have the opportunity to purchase supplemental life insurance coverage for yourself and dependent life insurance for your family members. The Life and AD&D plans are insured by The Hartford, 1-800-523-2233; https://mybenefits.thehartford.com.

Eligibility and Cost

You are eligible for Life and AD&D insurance coverage if you are a:

Full-time US employee, or
Part-time US employee working 22.5 or more hours a week.

Tapestry provides you with Basic Life and AD&D insurance coverage at no cost to you. You can purchase Supplemental Term Life Insurance, Spouse Life Insurance, and Dependent Child(ren) Life insurance coverage at group rates payable through payroll deductions.

For current per-paycheck costs, please refer to the rates below:

SUPPLEMENTAL LIFE INSURANCE PLAN
Rates per $1,000 of coverage
Age Band
Age Band	Bi-weekly
Under 30	$0.019
30-34	$0.026
35-39	$0.030
40-44	$0.034
45-49	$0.052
50-54	$0.078
55-59	$0.146
60-64	$0.221
65-69	$0.426
70 and over	$0.692

Dependent Life Insurance (Spouse and Child)
Rates per $1,000 of coverage
Coverage	Bi-weekly
Spouse Life – $10,000	$0.60
Spouse Life – $20,000	$1.20
Spouse Life – $30,000	$1.80
Spouse Life – $40,000	$2.40
Spouse Life – $50,000	$3.00
Child Life – $5,000 per child	$0.32

Overview of the Life and AD&D Insurance Plans

The chart below provides overview of the life insurance coverage available to you.

Benefit Plan	Coverage
Basic Life Insurance	You are automatically enrolled once you are eligible* Coverage is equal to two times your annual base salary, up to a maximum benefit of $1,000,000
Basic Accidental & Death Dismemberment (AD&D) Insurance	You are automatically enrolled once you are eligible* Coverage for loss of life is equal to two times your annual base salary up to a maximum benefit of $1,000,000, paid to you or your beneficiary Coverage for the loss of sight, hand ,or foot (must be within 365 days of the accident) is based on a schedule
Supplemental Term Life Insurance	You can purchase Supplemental Term Life Insurance coverage from one to eight times your annual base salary, up to a maximum of $1,000,000
Spouse Life Insurance	You can purchase Spouse Life Insurance coverage from $10,000 to $50,000, in $10,000 increments
Dependent Child(ren) Life Insurance**	You can purchase Dependent Child(ren) Life Insurance coverage equal to $5,000 per child

^{* If you are a full-time US employee, you are enrolled one month from your start date; if you are a part-time U.S. employee, you are enrolled three months from your start date.

**Dependent Child(ren) means: Your unmarried children, stepchildren, children of your domestic partnership or civil union or legally adopted children, and children during any waiting period prior to the finalization of the child’s adoption; provided such children are primarily dependent upon you for financial support and maintenance and are:}

^{1. At least 14 days old but under age 26; or}
^{2. Age 26 or older and disabled. Such children must have become disabled before attaining age 26. You must submit proof, satisfactory to the company, of such children’s disability.}

Evidence of Good Health (Insurability)

For 2023 Annual Enrollment only, you are allowed to elect or increase your supplemental term life insurance coverage up to the lesser of three times your annual base salary or $500,000 without providing evidence of insurability (EOI). If you elect an amount that exceeds $500,000 you will need to provide EOI.

After this enrollment, you are required to provide evidence of good health (insurability) for yourself if:

You are an existing employee electing supplemental life insurance coverage for the first time,
You increase you coverage more than one times your annual base salary or for any amount over $500,000, or
You are a newly hired employee electing Supplemental Term Life Insurance coverage of more than three times your annual base salary or $500,000, whichever is less.

You are required to provide evidence of good health for your spouse if:

You are an existing employee electing Spouse Life Insurance coverage for the first time,
You increase your coverage more than one increment or for any amount over $30,000, or
You are a newly hired employee electing Spouse Life Insurance coverage of more than $30,000.

When You Need to Enroll

You are automatically enrolled for Basic Life and AD&D Insurance once you become eligible.

Each year during the Annual Enrollment period you have an opportunity to enroll or change your coverage effective January 1 of the following year.

If you are a newly hired employee, you can purchase additional life insurance coverage, as follows:

Full-time US employee: You become eligible after thirty (30) days of service. If you want additional life insurance, you must enroll within 30 days after you become eligible.
Part-time US employee: You become eligible after Ninety (90) days of service. If you want additional coverage, you must enroll within 30 days after you become eligible.

Only if you have a qualified life event change (for example, you get married), can you change your coverage outside the Annual Enrollment period; otherwise your coverage remains in effect for the full calendar year. Any changes must be made within 30 days of the qualified life event and be consistent with the event. You'll find more details on the My Life Events page.

Important Note: If evidence of good health is required for your new coverage, the current level of coverage will remain in effect until the date the insurance company receives and approves evidence of good health.