Financial Benefits

JHU offers these programs to help protect your financial health, which is an important element of your overall well-being. You can elect coverage under these plans during annual enrollment.

Life Insurance
Disability Protection
Accidental Death and Dismemberment (AD&D) Insurance
Voluntary Benefits

Life Insurance

JHU provides basic life insurance coverage of $10,000 at no cost to full-time benefits-eligible faculty and staff. You also have the option of buying supplemental insurance for yourself or your dependents.

• Supplemental life: Additional coverage of up to 8 times your annual base salary, to a maximum benefit of $3,000,000 (basic and supplemental coverage combined)
• Dependent life: Coverage for your spouse, domestic partner, and unmarried dependent child(ren) until the end of the year in which your dependent turns 26. Choose from two options:
  • Plan 1: $4,000 spouse or domestic partner; $2,000 per dependent child
  • Plan 2: $10,000 for your spouse or domestic partner; $5,000 per dependent child

What you need to know: If you are not a new hire and you elect supplemental life insurance coverage for the first time, you must provide evidence of insurability (EOI).

If you’re currently enrolled in supplemental life insurance, you may elect to move up one level of coverage, up to a maximum of 4 times your annual base salary or $500,000, during annual enrollment without providing EOI.

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Disability Protection

JHU provides long-term disability insurance at no cost to all full-time, benefits-eligible faculty and staff members who have completed one year of service. This benefit replaces a portion of your income when disability makes work impossible over a long period of time.

We also offer the ability to purchase short-term coverage, which provides a portion of income for disabilities that cause shorter-duration absence from work.

Short-term disability: After 14 consecutive days, replaces 60% of your pay for up to 11 weeks (up to $2,500 weekly)

Long-term disability: After 90 consecutive days, replaces 60% of your pre-disability base salary (up to $10,000 monthly)

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Accidental Death and Dismemberment (AD&D) Insurance

AD&D insurance pays a benefit to you and your insured family members if you die or are seriously injured as the result of an accident.

JHU provides basic accidental death and dismemberment insurance coverage at no cost to full-time, benefits-eligible faculty and staff. We also offer the option to buy additional coverage for you and your family.

• For you: Supplemental AD&D of up to 8 times your annual base salary, to a maximum benefit of $3,000,000
• For your spouse or domestic partner and children: 50% of your benefit amount, up to $250,000, for your spouse or domestic partner; 15% of your benefit amount, up to $50,000, for your children
• For your spouse or domestic partner only: 60% of your benefit amount, up to $250,000
• For your children only: 20% of your benefit amount, up to $50,000

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Voluntary Benefits

You can save money and prepare for life’s unexpected challenges by purchasing a variety of voluntary insurance packages during annual enrollment. These programs offer an extra layer of protection and peace of mind for you and your family. They include:

• Accident insurance*
• Auto, homeowner’s, and renter’s insurance
• Critical illness insurance*
• Hospital indemnity insurance – new for 2025! This benefit provides you with cash to help you cover unexpected expenses that you may encounter from a hospital stay.
• Identity theft protection
• Legal plan
• Pet insurance

To learn more about these options, go to jhuvoluntarybenefits.com.

*Beginning November 1, 2024, these programs will be offered through Lincoln Financial. If you’re currently enrolled in either of these benefits, your policy will be moved to Lincoln Financial automatically.

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