Prepare for the Unexpected
Life insurance and accidental death and dismemberment (AD&D) pay a benefit if you or a covered family member dies or suffers an injury in an accident. ONEOK provides you with a basic level of financial protection by providing you with life insurance and AD&D coverage. Life insurance covers any cause of death. AD&D only applies if the cause of death is an accident without any other contributing factors. If you want additional coverage, you may also elect supplemental life and AD&D.
Life Insurance
How it works
Benefit Amount
Enrollment
Monthly Premium
Basic Life Insurance
$100,000
You're
automatically enrolled
Paid by
ONEOK
Supplemental Life Insurance
Multiples of $50,000
(max: $1,500,000)
Guaranteed issue
up to
$500,0002
Varies by coverage level and age
Spouse/Domestic Partner Life Insurance1
Multiples of $50,000
(max: $250,000)
Guaranteed issue
up to
$50,0002
Varies by coverage level and age
Child Life Insurance1
$10,000 or $25,000
Guaranteed issue
Varies by coverage
-
Your spouse/domestic partner’s benefit cannot exceed your benefit.
-
Any amounts applied for over the guaranteed issue amount may require a completed statement of health and approval from Unum. Please refer to your policy certificate for details.
AD&D
How it works
Benefit Amount
Enrollment
Monthly Premium
Supplemental AD&D
Multiples of $50,000
(max: $1,500,000)
Guaranteed issue
(max: $1,500,000)
Varies by coverage level
Spouse/Domestic Partner AD&D1
Multiples of $50,000
(max: $250,000)
Guaranteed issue
(max: $250,000)
Varies by coverage level
Child AD&D1
$10,000 or $25,000
Guaranteed issue
Varies by coverage
-
Your spouse/domestic partner’s benefit cannot exceed your benefit.
NEW FOR 2025: THINGS TO KNOW
Coverage for you
-
Life Insurance: If you previously waived coverage, you can now enroll for up to seven times your base annual salary or $500,000 (whichever is less) and be approved without medical underwriting.
-
AD&D: If you’re currently enrolled, you WILL NOT automatically roll over to the new coverage. You MUST reenroll if you want coverage.
Coverage for your spouse/domestic partner and/or child(ren)
-
Life Insurance and AD&D: Your spouse/domestic partner’s benefit cannot exceed your benefit.
Don’t forget to designate your beneficiaries!
To help support your family in the event of your passing, name at least one beneficiary for your life insurance policy. You must confirm that every life insurance election has a beneficiary assigned to it. Don't forget to update your beneficiaries throughout the year if you have a major life change or qualifying life event (e.g., marriage, divorce). You can update your beneficiaries in Workday.
Contacts
- 855-ONEOKHR(855-663-6547)