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Group Life

Group Life Insurance is usually coupled with Accidental Death & Dismemberment (AD&D) as an employee benefit.  There are three typical methods available for this benefit's design:

  • Same amount for all employees (ex: $25,000)
  • Based on employment class (ex: Owners – $50,000, Managers – $25,000, All Others – $10,000
  • Percent of compensation (ex: 200% of income rounded to the next higher $1,000).

The benefit provided is income tax free to the employee for amounts less than $50,000.  Insurance amounts exceeding $50,000 will be taxed according to IRS Publication 15-B.  Death proceeds payable to the beneficiary are income tax free but are usually included in the total estate of the decedant and may be subject to estate or inheritance taxes.

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