Life and AD&D Insurance

Protection for the ones who count on you

Because you care about those who depend on you financially, Grainger offers life and AD&D insurance benefits – and peace of mind.

How It Works

  • Life insurance pays a cash benefit to your beneficiary(ies) if you die.
  • Accidental Death and Dismemberment (AD&D) insurance pays additional benefits if death is caused by an accident, or if you have certain serious injuries from an accident.
  • Grainger provides Basic Life and AD&D coverage at no cost to you. You have options to supplement the basic coverage with optional coverage at your own cost. 

Life and AD&D Insurance Snapshot 

Who is eligible?

  • Regular full-time team members (Basic and Optional Life and AD&D)
  • Regular part-time team members who work 30-39 hours per week on average and so are eligible for full-time benefits (Basic and Optional Life and AD&D)
  • All team members (Business Travel Accident)
  • Review the benefits eligibility details

What to do

  • Name your beneficiary(ies) for each plan at
    Your Benefits Resources™. You are automatically the beneficiary for spouse and child life insurance.
  • If EOI is required, you will receive an email with a link to complete your EOI form on the Prudential website.
  • Explore the
    Prudential Financial Wellness Center for valuable resources to help you take control of your personal finances:
    • Financial Wellness Assessment
    • Retirement Calculator
    • Debt Manager Tool
    • Disability Insurance Calculator
    • Life Insurance Calculator
    • Plan a Budget Tool
  • In the event you need to file a life or accident claim, call the Grainger HR Service Center at 1-888-477-3781 (external) or 1-847-535-HR4U (4748) (internal), Monday–Friday, 7 a.m. to 5 p.m. Central Time.

Life and AD&D Insurance Details

Basic Life and AD&D

  • Basic Life coverage equals 1.5 times your annual earnings* up to a maximum of $1.5 million.
  • Basic AD&D coverage provides, depending on loss, a benefit up to 1.5 times annual earnings up to a maximum of $1.5 million.
  • While Grainger pays the premiums for your Basic Life and AD&D coverage, the premiums paid for Basic Life coverage in excess of $50,000 is considered “imputed income” and taxable to you.

Optional Life Insurance

Your Costs

For You

  • Coverage options from 1 to 8 times your annual earnings*, up to a maximum of $1.5 million, payable in addition to Basic Life.
  • When first eligible, you can enroll for up to 3 times annual earnings (or $500,000 if less) without answering any health questions.
  • If you enroll for 4, 5, 6, 7 or 8 times annual earnings, or elect to increase your current coverage by more than 1 times earnings, you will have to provide Evidence of Insurability (EOI) via Prudential’s website before the coverage becomes effective.

For Your Spouse/Domestic Partner**

  • Coverage options in $10,000 increments up to $100,000.
  • When first eligible, you can enroll your spouse/partner for up to $30,000 without answering any health questions.
  • If you enroll for $40,000 or more, or elect to increase your current coverage by more than $10,000, your spouse/partner will have to provide EOI via Prudential’s website before the coverage becomes effective.

For Your Dependent Children**

  • Coverage options of $5,000, $10,000 or $20,000.
  • Flat rate covers all eligible children (birth to age 26, or any age if disabled).

Optional AD&D Insurance

To supplement the AD&D coverage Grainger provides, team members eligible for full-time benefits may choose to purchase optional AD&D coverage for themselves and eligible family members at their own cost. EOI is not required.

For You

  • Coverage options from 1 to 8 times your annual earnings*, up to a maximum of $1.5 million, payable in addition to Basic AD&D.

For Your Spouse/Domestic Partner**

  • Coverage options in $10,000 increments up to $100,000.

For Your Dependent Children**

  • Coverage options of $5,000, $10,000 or $20,000.
  • Flat rate covers all eligible children (birth to age 26, or any age if disabled).

Business Travel Accident

  • All team members automatically receive business travel accident insurance at no cost starting on their first day of employment.
  • Pays a benefit if you are injured while traveling on company business.
  • Coverage equals two times pay, with a minimum benefit of $100,000 and a maximum benefit of $500,000.

* Based on your annual earnings as of your hire/eligibility date and on January 1 of each subsequent year, as long as you are actively at work.

** If your spouse, domestic partner or child is also a Grainger team member, you cannot elect coverage for that person, as he or she is already covered under Basic Life as a team member.

 

When Coverage Ends

If You and Your Spouse or Domestic Partner Are Both Grainger Team Members

Special Savings Offers

Videos

Profit Savings Plan

Retirement Benefit Questions (65+/Medicare-eligible [including disabled early Medicare eligible] and pre-65 eligible retirees/dependents)

Medicare Plan Options Questions (65+ or early Medicare retirees with or without Grainger Retiree Health)

Questions

Connect with a Benefit Pro

Access the Provider Search Tool

Keep in Mind

Enroll Now

2022: Your Cost for Coverage

When Coverage Ends

If You and Your Spouse or Domestic Partner Are Both Grainger Team Members

Special Savings Offers

Videos

Profit Savings Plan

Dear Team Member,

The last 18 months have pulled us in all sorts of directions and presented several new challenges. Many of you have had to adapt to an ever-changing lifestyle that includes homeschooling kids, working overtime, taking care of loved ones, and worrying about finances. At Grainger, we recognize the toll these changes take on your personal wellbeing. And while I’m proud to say you’ve continued to provide exceptional customer service despite these challenges, it’s just as important to put the same attention on yourself.

We want you to be your best, not only at work but at home. That’s why we’ve made some enhancements to our benefits programs to better support your emotional, financial, physical, and social wellbeing. These new programs will provide access to short-term cash, one-on-one financial coaching, or stress management support. Over the last year, we built a strong foundation of wellbeing resources to ensure you have more choice and flexibility with your benefits.

This Annual Enrollment Decision Guide will help you navigate the robust benefits that Grainger offers and support you in making your elections for 2022. Annual Enrollment will run from October 11 to 29, 2021. Now is the time for you to take action for you and your family’s wellbeing. We have more plans underway to continue to enhance our wellbeing offerings and we’re excited to share these with you soon.
As always, thank you for all you continue to do for each other, our organization, and our customers.

Stay well,
Kathleen Carroll
SVP & Chief Human Resources Officer

CONNECT WITH ME:
LinkedIn: Kathleen Carroll
Instagram: @KathleenSCarroll
Firstup: @kathleen.carroll8