Life & AD&D Insurance
Basic Life and AD&D Coverage
Sysco provides Basic Life and Accidental Death & Dismemberment (AD&D) Insurance, through MetLife, to protect your family in the event of your death or disability.
Sysco pays the full cost of your Basic Life and Basic AD&D coverage. These benefits are automatically yours as an eligible Sysco colleague.
- Basic Life Insurance provides coverage equal to 1.5x your eligible earnings (rounded up to the nearest $1,000), up to a maximum of $225,000.
- Basic Accidental Death & Dismemberment (AD&D) Insurance provides coverage equal to your eligible earnings (rounded up to the nearest $1,000), up to a maximum of $150,000, if you lose your life or suffer dismemberment as a result of an accident.
Learn more about Life Insurance in this infographic and in these FAQs.
Note: For benefits purposes, salaries are frozen as of September 15.
Supplemental Life and AD&D Coverage
You can purchase additional Life and Accidental Death & Dismemberment (AD&D) Insurance for yourself, your spouse/domestic partner, and/or your child(ren).
Costs for Supplemental Life and Voluntary AD&D Insurance are based on the colleague‘s age as of January 1 each year. Coverage costs can be found by logging in to the online Sysco Benefits Center.
The value of coverage that exceeds $50,000 will be included in your gross income, subject to Social Security and Medicare taxes.
Beneficiaries
A beneficiary is the person you choose to receive your Life and AD&D Insurance benefits in the event of your death. Designate a beneficiary in the online Sysco Benefits Center. You need to select a beneficiary regardless of whether you‘ve completed a paper form in the past.
Filing Claims
You can find instructions for filing claims here. You can submit documents for a claim by calling the Sysco Benefits Center at 1-800-55-SYSCO (1-800-557-9726), available 7 a.m. – 7 p.m. CT. Select option 8 for the Survivor Support Team.
Supplemental Life Insurance Coverage
Below is an overview of Supplemental Life Insurance benefits for you, your spouse/domestic partner, and children. The guaranteed issue amount is the coverage you can elect without providing Evidence of Insurability.
| Who You Can Cover | Coverage Amounts | Purchase in Increments of |
|---|---|---|
Colleague | 1x–8x your eligible earnings rounded up to the nearest $1,000, up to $1,750,000* | 1x–8x of eligible earnings |
Spouse/Domestic Partner | From $10,000 to $150,000** | $10,000 |
Children | From $2,500 to $15,000 | $2,500 |
* The guaranteed issue amount is the lesser of 5x annual earnings or $500,000. The maximum value is exclusive of the Basic Life Insurance amount. ** The guaranteed issue amount is up to $50,000. Value cannot exceed 100% of the colleague’s combined Basic and Supplemental Life Insurance. | ||
Voluntary AD&D Coverage
Below is an overview of Voluntary AD&D coverage for both you and your family members, including your spouse/domestic partner and child(ren).
| Who You Can Cover | Coverage Amounts | Purchase in Increments of |
|---|---|---|
Colleague | $10,000–$1,000,000 | $10,000 |
Family | $10,000–$1,000,000
| $10,000 |
Will Preparation and Estate Planning
If you are enrolled in MetLife’s Supplemental Term Life, Group Universal Life, or Group Variable Universal Life coverage, you have access to the following additional benefits:
