{"id":1223,"date":"2026-01-12T21:31:03","date_gmt":"2026-01-12T21:31:03","guid":{"rendered":"https:\/\/dev-benefits2024.pantheonsite.io\/us\/?page_id=1223"},"modified":"2026-02-19T06:25:07","modified_gmt":"2026-02-19T06:25:07","slug":"life-insurance-and-accidental-death-dismemberment-add","status":"publish","type":"page","link":"https:\/\/benefits.aecom.com\/us\/life-insurance-and-accidental-death-dismemberment-add\/","title":{"rendered":"Life\u00a0Insurance and\u00a0Accidental\u00a0Death &amp;\u00a0Dismemberment (AD&amp;D) Insurance"},"content":{"rendered":"\n<div class=\"wp-block-columns sticky-sidebar-container is-layout-flex wp-container-core-columns-is-layout-cbe57604 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.667%\">\n<p>Life insurance and accidental death &amp; dismemberment (AD&amp;D) insurance help your family members maintain their standard of living if something happens to you. How much your family needs depends on your personal situation \u2014 other income sources, monthly expenses and short- and long-term debts such as credit cards or mortgage expenses.<\/p>\n\n\n\n<p>Our benefits partner for life insurance and AD&amp;D insurance is The Hartford.<\/p>\n\n\n\n<p>AECOM provides free basic life and AD&amp;D coverage for employees. Basic coverage is automatic \u2014 you don\u2019t need to elect it.<\/p>\n\n\n\n<p>If you want additional coverage for yourself and your family, you can elect (or update your elections for) supplemental insurance as a new hire, during Benefits Open Enrollment or within 31 days of a qualifying life event.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><\/p>\n\n\n\n<h5 class=\"wp-block-heading\">Important things to know about life and AD&amp;D benefits:<\/h5>\n\n\n\n<p><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"  \">Basic life insurance is subject to&nbsp;imputed income. For more information, review the flyer located under Related Links. <\/li>\n\n\n\n<li class=\"  \">Supplemental life insurance rates increase as you get older. See the&nbsp;supplemental life and AD&amp;D insurance rates under Related Links<\/li>\n\n\n\n<li class=\"  \">The benefit amount decreases at age 65 and age 70. The original amount of your basic and supplemental life and AD&amp;D insurance benefit reduces by 35% when you turn age 65 and by 50% when you turn age 70.<\/li>\n\n\n\n<li class=\"  \">Update your life and AD&amp;D beneficiaries at <a href=\"http:\/\/www.myaecombenefits.com\" target=\"_blank\" rel=\"noreferrer noopener\">myaecombenefits.com<\/a>.<\/li>\n<\/ul>\n\n\n\n<p><a id=\"_msocom_1\"><\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading mb-3\"><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column sticky-sidebar is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:30%\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\" style=\"margin-bottom:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-100\"><a class=\"wp-block-button__link has-earth-green-background-color has-background wp-element-button\" href=\"https:\/\/leplb0320.upoint.alight.com\/web\/aecom\/login?forkPage=false\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Review Your Benefit Selection<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-cover quick-links\" style=\"padding-top:40px;padding-right:40px;padding-bottom:40px;padding-left:40px;min-height:50px;aspect-ratio:unset;\"><span aria-hidden=\"true\" class=\"wp-block-cover__background has-midnight-teal-background-color has-background-dim-100 has-background-dim\"><\/span><div class=\"wp-block-cover__inner-container is-layout-constrained wp-container-core-cover-is-layout-e158748c wp-block-cover-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left\" style=\"font-size:24px\">Related Links<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"  \"><a href=\"https:\/\/benefits.aecom.com\/wp-content\/uploads\/documents\/US\/US-Benefits-Guide-Main.pdf\" data-type=\"page\" data-id=\"19\" target=\"_blank\" rel=\"noreferrer noopener\">2026 Benefits Guide&nbsp;<\/a><\/li>\n\n\n\n<li class=\"  \"><a href=\"https:\/\/benefits.aecom.com\/wp-content\/uploads\/documents\/US\/life_insurance\/life_insurance_imputed_income.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Life Insurance Imputed Income<\/a>&nbsp;<\/li>\n\n\n\n<li class=\"  \"><a href=\"https:\/\/benefits.aecom.com\/wp-content\/uploads\/documents\/US\/life_insurance\/life_insurance_reminders.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Supplemental Life and AD&amp;D Insurance Rates&nbsp;<\/a><\/li>\n\n\n\n<li class=\"  \"><a href=\"https:\/\/benefits.aecom.com\/wp-content\/uploads\/documents\/US\/death_of_a_loved_one\/VAS-Summary-Flyer-Life-DI-wAbility-Assist.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Funeral Planning, Bereavement, Will Prep&nbsp;<\/a><\/li>\n\n\n\n<li class=\"  \"><a href=\"https:\/\/benefits.aecom.com\/wp-content\/uploads\/documents\/US\/death_of_a_loved_one\/empathy_overview_flyer_beneficiary.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Life Insurance Empathy Support&nbsp;<\/a><\/li>\n<\/ul>\n<\/div><\/section>\n\n\n\n<div class=\"wp-block-cover is-light resources-sidebar has-vendor-data vendor-group-vendor_contact\" style=\"padding-top:40px;padding-right:40px;padding-bottom:40px;padding-left:40px;min-height:50px;aspect-ratio:unset;\"><span aria-hidden=\"true\" class=\"wp-block-cover__background has-stone-gray-background-color has-background-dim-100 has-background-dim\"><\/span><div class=\"wp-block-cover__inner-container is-layout-constrained wp-container-core-cover-is-layout-3dcc9c70 wp-block-cover-is-layout-constrained\"><style>\n\t\t.vendor-directory-fields {\n\t\t\tmargin-bottom: 20px;\n\t\t}\n\t\t.vendor-directory-fields .vendor-app-name {\n\t\t\tmargin: 0 0 12px 0;\n\t\t\tfont-size: 1.5em;\n\t\t\tfont-weight: 600;\n\t\t}\n\t\t.vendor-directory-fields .vendor-app-description {\n\t\t\tmargin: 0 0 20px 0;\n\t\t\tfont-size: 1em;\n\t\t\tline-height: 1.6;\n\t\t}\n\t\t.vendor-directory-fields .vendor-app-links {\n\t\t\tdisplay: flex;\n\t\t\tgap: 20px;\n\t\t\tflex-wrap: wrap;\n\t\t\talign-items: stretch;\n\t\t}\n\t\t.vendor-directory-fields .vendor-app-link-column {\n\t\t\tflex: 1;\n\t\t\tmin-width: 140px;\n\t\t}\n\t\t.vendor-directory-fields .vendor-app-links {\n\t\t\tmargin: 0 !important;\n\t\t}\n\t\t.vendor-directory-fields .vendor-app-link-column {\n\t\t\tmargin: 0 !important;\n\t\t}\n\t\t.vendor-directory-fields .vendor-app-badge {\n\t\t\tmargin: 0 !important;\n\t\t\tpadding: 0;\n\t\t\tdisplay: block;\n\t\t\twidth: 100%;\n\t\t}\n\t\t.vendor-directory-fields .vendor-app-badge a,\n\t\t.vendor-directory-fields .vendor-app-badge-link {\n\t\t\tdisplay: block;\n\t\t\twidth: 100%;\n\t\t\tmargin: 0;\n\t\t}\n\t\t.vendor-directory-fields .vendor-app-badge img,\n\t\t.vendor-directory-fields .vendor-app-badge-image {\n\t\t\twidth: 100% !important;\n\t\t\tmax-width: 100% !important;\n\t\t\theight: auto !important;\n\t\t\tdisplay: block;\n\t\t\tmargin: 0 !important;\n\t\t}\n\t\t.vendor-directory-fields figure.vendor-app-badge {\n\t\t\twidth: 100%;\n\t\t\tmargin: 0 !important;\n\t\t}\n\t\t.vendor-directory-fields .vendor-contact-field-label {\n\t\t\tmargin: 0 0 8px 0;\n\t\t\tfont-size: 1.25em;\n\t\t\tfont-weight: 600;\n\t\t}\n\t\t.vendor-directory-fields .vendor-contact-field {\n\t\t\tmargin-bottom: 12px;\n\t\t}\n\t\t.vendor-directory-fields .vendor-contact-field strong {\n\t\t\tdisplay: block;\n\t\t\tmargin-bottom: 4px;\n\t\t}\n\t\t.vendor-directory-fields .vendor-contact-field-content {\n\t\t\tline-height: 1.5;\n\t\t}\n\t<\/style><div class=\"vendor-directory-fields\" data-vendor-id=\"611\" data-field-group=\"vendor_contact\"><div class=\"vendor-contact-content\"><div class=\"vendor-contact-fields\"><div class=\"vendor-contact-field vendor-contact-field--vendor_contact_info\"><h3 class=\"vendor-contact-field-label\">Contact<\/h3><div class=\"vendor-contact-field-content\"><p><span data-contrast=\"auto\">The Hartford\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">866.262.7316<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><a href=\"http:\/\/abilityadvantage.thehartford.com\/\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">AbilityAdvantage.TheHartford.com<\/span><\/a><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div>\n<p><\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Life insurance and accidental death &amp; dismemberment (AD&amp;D) insurance help your family members maintain their standard of living if something happens to you. How much your family needs depends on your personal situation \u2014 other income sources, monthly expenses and short- and long-term debts such as credit cards or mortgage expenses. Our benefits partner for [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/page-blank-container.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-1223","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/benefits.aecom.com\/us\/wp-json\/wp\/v2\/pages\/1223","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/benefits.aecom.com\/us\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/benefits.aecom.com\/us\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/benefits.aecom.com\/us\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/benefits.aecom.com\/us\/wp-json\/wp\/v2\/comments?post=1223"}],"version-history":[{"count":13,"href":"https:\/\/benefits.aecom.com\/us\/wp-json\/wp\/v2\/pages\/1223\/revisions"}],"predecessor-version":[{"id":2397,"href":"https:\/\/benefits.aecom.com\/us\/wp-json\/wp\/v2\/pages\/1223\/revisions\/2397"}],"wp:attachment":[{"href":"https:\/\/benefits.aecom.com\/us\/wp-json\/wp\/v2\/media?parent=1223"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}