Crumbl / Life Insurance

Basic Life and Accidental Death & Dismemberment Insurance is provided through UNUM to help you protect yourself and your family against worst-case scenarios. Crumbl provides each employee with $10,000 of Life and AD&D as part of your core benefits. This coverage is completely free to employees — Crumbl pays the premiums. Benefits reduce by 35% at age 65, 50% at age 70, 65% at age 75 and 80% at age 80.

Additionally, you have the option to convert or port your coverage if you retire, lose eligibility, or terminate your employment with Crumbl. You must complete the paperwork with UNUM within 30 days of your termination date.

Protect the life you are building.
Voluntary Life insurance gives you the opportunity to purchase the amount of life insurance you will need to protect your family’s financial future — at affordable group rates. This is not a pre-tax benefit and the coverage is completely voluntary.

Crumbl offers Voluntary Life and AD&D for you and your dependents, which can be purchased through UNUM. You may purchase additional life insurance coverage in increments of $10,000, not to exceed $750,000. During your initial enrollment period, when you are first offered this coverage, you may choose a coverage amount up to $180,000 (non-medical maximum) without providing proof of good health — if you wish to elect an amount that is above $180,000, you will need the Evidence of Insurability (EOI) link. This will be sent to you via link from UNUM after enrollment.

At Annual Open Enrollment, as long as you enrolled when you were initially eligible, you may increase your coverage amount up to the non-medical maximum without providing proof of good health. If you leave the company, you can take this policy with you — portability information is available from human resources. Benefits reduce beginning at age 65 — please refer to your plan documents for the full benefit reduction schedule.

Please refer to our Online Enrollment System for Voluntary Life Insurance rates.

Spouse Coverage
You may purchase spouse coverage in increments of $5,000, not to exceed 100% of the employee elected amount, or $500,000. During your initial enrollment period, when you are first offered this coverage, you may choose a coverage amount for your spouse up to $30,000 without providing proof of good health — if you wish to elect an amount that is above $30,000, you will need complete the Evidence of Insurability (EOI) link. This will be sent to you via link from UNUM after enrollment. Benefits reduce beginning at age 65 — please refer to your plan documents for the full benefit reduction schedule.

Dependent Child Coverage
You may also purchase coverage for your unmarried dependent children from 6 months to age 26 (regardless of student status), subject to eligibility requirements. Infants ages live birth to 6 months has a flat benefit of $1,000. You may purchase $10,000 of children’s coverage, in increments of $2,000. Coverage is inclusive for all children. This means that if you have one child or many children, you pay one flat amount; however, each child is covered individually for the coverage amount.

Please refer to our Online Enrollment System for Voluntary Dependent Life Insurance rates.

This information is designed to help you choose a benefit plan for 2023-2024 only. Please refer to the Plan Documents provided by the carrier for information regarding coverage, limitations, and exclusions. If there is a difference between this guide and the Plan Documents, the Plan Documents prevail.