Protection

Life and AD&D

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

Footnotes
  1. Your spouse/domestic partner’s benefit cannot exceed your benefit.

  2. 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

Footnotes
  1. Your spouse/domestic partner’s benefit cannot exceed your benefit. 

YOUR COST PER PAY PERIOD

Workday will automatically provide per paycheck costs. Deductions taken from the first two pay periods per month.

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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

HR Solutions