Income Protection

Overview of the income protection benefits available as part of ERIE's benefits package.

Download Life Insurance ChartDownload Critical Illness Chart

Life & Accident Insurance

Insurer: MetLife

  • ERIE’s Group Life Insurance Plan offers both company-paid Basic Life and optional Employee-paid Supplemental Life Insurance offerings for full-time ERIE Employees.
  • Eligible Employees are automatically enrolled in company-paid Basic Group Life Insurance and Business Travel Accident Insurance.

 MetLife Advantages - Empathy

  • MetLife will make beneficiaries aware of Empathy services following a loss.
  • Empathy gives beneficiaries complimentary access to 24/7 support for challenges that the loss of a loved one brings, helping them save time, money and stress.
  • Empathy helps ease the burden, so loved ones can pay attention to the things that matter most.

Summary of Group Life Insurance Benefits

Coverage
Who is Eligible
Available Amount
Maximum Benefit
Monthly Rate
Coverage
Basic Group Life
Who is Eligible
ERIE Employee
Available Amount
1.5x base salary
Maximum Benefit
$750,000
Monthly Rate
100% ERIE-paid
Coverage
Business Travel Accident
Who is Eligible
ERIE Employee
Available Amount
N/A
Maximum Benefit
$100,000  
Monthly Rate
100% ERIE-paid
Coverage
Supplemental Life
Who is Eligible
ERIE Employee
Available Amount
1, 2, or 3x base salary[1]
Maximum Benefit
$1,000,000  
Monthly Rate
$0.31 per $1,000
Coverage
Accidental Death & Dismemberment
Who is Eligible
ERIE Employee
Available Amount
Increments of $50,000
Maximum Benefit
10x base salary or $1,000,000
Monthly Rate
$0.80 per $50,000
Coverage
Dependent Life
Who is Eligible
Employee's spouse and eligible children under age 26
Available Amount
Spouse: $25,000 Child(ren): $10,000
Maximum Benefit
Spouse: $25,000 Child(ren): $10,000
Monthly Rate
$7.79 sold as a unit regardless of how many dependents are covered.  

Critical Illness Coverage

Provider: Aflac

Critical illness insurance pays a lump-sum cash benefit directly to you following the diagnosis of a covered critical illness, which includes but is not limited to heart attack, sudden cardiac arrest, cancer, stroke, advanced Parkinson’s disease and benign brain tumor.

You receive cash benefits directly (unless otherwise assigned) to help pay bills related to treatment or to use for everyday living expenses.

Eligibility: You can cover yourself and your spouse. This coverage automatically includes eligible dependent child(ren) under the age of 26.

  • Guaranteed issue benefit amounts for an Employee of $10,000 or $20,000.
  • A spouse is guaranteed issue for 50% of the Employee’s benefit.
  • No pre-existing condition limitation or waiting period. (Please note there are specific Cancer Diagnosis Limitations and Exclusions. Aflac will only pay claims for covered illnesses or injuries that occur on or after the coverage date of the plan.)
  • Health screening benefit of $50 paid for health screening tests performed as part of preventive care (once per year for a covered Employee and spouse).
  • Election of the Group Critical Illness Insurance plan is voluntary, and premiums are paid with after-tax contributions. 

See the Aflac Group brochure for complete details at aflac.com/erieinsurance.

Employee Coverage (Automatically includes eligible dependent child(ren) under the age of 26.)

Age Range at the Beginning of Plan Year
Employee Benefit: $10,000
Dependent Benefit: $5,000
Employee Benefit: $20,000
Dependent Benefit: $10,000
Age Range at the Beginning of Plan Year
Employee Benefit: $10,000
Dependent Benefit: $5,000
2025 Employee's Cost/Month
Employee Benefit: $20,000
Dependent Benefit: $10,000
2025 Employee's Cost/Month
Age Range at the Beginning of Plan Year
18-24
Employee Benefit: $10,000
Dependent Benefit: $5,000
$4.46
Employee Benefit: $20,000
Dependent Benefit: $10,000
$7.42
Age Range at the Beginning of Plan Year
25-29
Employee Benefit: $10,000
Dependent Benefit: $5,000
$5.72
Employee Benefit: $20,000
Dependent Benefit: $10,000
$9.92
Age Range at the Beginning of Plan Year
30-34
Employee Benefit: $10,000
Dependent Benefit: $5,000
$6.62  
Employee Benefit: $20,000
Dependent Benefit: $10,000
$11.70
Age Range at the Beginning of Plan Year
35-39
Employee Benefit: $10,000
Dependent Benefit: $5,000
$8.58  
Employee Benefit: $20,000
Dependent Benefit: $10,000
$15.62
Age Range at the Beginning of Plan Year
40-44
Employee Benefit: $10,000
Dependent Benefit: $5,000
$10.72  
Employee Benefit: $20,000
Dependent Benefit: $10,000
$19.92
Age Range at the Beginning of Plan Year
45-49
Employee Benefit: $10,000
Dependent Benefit: $5,000
$11.40  
Employee Benefit: $20,000
Dependent Benefit: $10,000
$21.28
Age Range at the Beginning of Plan Year
50-54
Employee Benefit: $10,000
Dependent Benefit: $5,000
$20.06  
Employee Benefit: $20,000
Dependent Benefit: $10,000
$38.60
Age Range at the Beginning of Plan Year
55-59
Employee Benefit: $10,000
Dependent Benefit: $5,000
$18.76  
Employee Benefit: $20,000
Dependent Benefit: $10,000
$36.00
Age Range at the Beginning of Plan Year
60-64
Employee Benefit: $10,000
Dependent Benefit: $5,000
$31.88  
Employee Benefit: $20,000
Dependent Benefit: $10,000
$62.24
Age Range at the Beginning of Plan Year
65+
Employee Benefit: $10,000
Dependent Benefit: $5,000
$67.94  
Employee Benefit: $20,000
Dependent Benefit: $10,000
$134.36

Employee & Family (Coverage Includes spouse and eligible dependent child(ren) under age 26.)

Age Range at the Beginning of Plan Year
Employee Benefit: $10,000
Spouse/Dependent Benefit: $5,000
Employee Benefit: $20,000
Spouse/Dependent Benefit: $10,000
Age Range at the Beginning of Plan Year
Employee Benefit: $10,000
Spouse/Dependent Benefit: $5,000
2025 Employee's Cost/Month
Employee Benefit: $20,000
Spouse/Dependent Benefit: $10,000
2025 Employee's Cost/Month
Age Range at the Beginning of Plan Year
18-24
Employee Benefit: $10,000
Spouse/Dependent Benefit: $5,000
$7.46  
Employee Benefit: $20,000
Spouse/Dependent Benefit: $10,000
$11.88
Age Range at the Beginning of Plan Year
25-29
Employee Benefit: $10,000
Spouse/Dependent Benefit: $5,000
$9.34  
Employee Benefit: $20,000
Spouse/Dependent Benefit: $10,000
$15.64
Age Range at the Beginning of Plan Year
30-34
Employee Benefit: $10,000
Spouse/Dependent Benefit: $5,000
$10.68  
Employee Benefit: $20,000
Spouse/Dependent Benefit: $10,000
$18.32
Age Range at the Beginning of Plan Year
35-39
Employee Benefit: $10,000
Spouse/Dependent Benefit: $5,000
$13.62  
Employee Benefit: $20,000
Spouse/Dependent Benefit: $10,000
$24.20
Age Range at the Beginning of Plan Year
40-44
Employee Benefit: $10,000
Spouse/Dependent Benefit: $5,000
$16.84  
Employee Benefit: $20,000
Spouse/Dependent Benefit: $10,000
$30.64
Age Range at the Beginning of Plan Year
45-49
Employee Benefit: $10,000
Spouse/Dependent Benefit: $5,000
$17.86  
Employee Benefit: $20,000
Spouse/Dependent Benefit: $10,000
$32.68
Age Range at the Beginning of Plan Year
50-54
Employee Benefit: $10,000
Spouse/Dependent Benefit: $5,000
$30.86  
Employee Benefit: $20,000
Spouse/Dependent Benefit: $10,000
$58.66
Age Range at the Beginning of Plan Year
55-59
Employee Benefit: $10,000
Spouse/Dependent Benefit: $5,000
$28.90  
Employee Benefit: $20,000
Spouse/Dependent Benefit: $10,000
$54.76
Age Range at the Beginning of Plan Year
60-64
Employee Benefit: $10,000
Spouse/Dependent Benefit: $5,000
$48.58  
Employee Benefit: $20,000
Spouse/Dependent Benefit: $10,000
$94.12
Age Range at the Beginning of Plan Year
65+
Employee Benefit: $10,000
Spouse/Dependent Benefit: $5,000
$102.68  
Employee Benefit: $20,000
Spouse/Dependent Benefit: $10,000
$202.30
couple holding hands

Keep Your Life Insurance Beneficiary Current

Your life insurance beneficiary is the person(s) or party you’ve designated to receive your life insurance benefit upon your death.


If you have had a life event such as marriage or divorce, you may wish to change your beneficiary.


Change your life insurance beneficiary at any time by logging on to myBenefits on ERIEweb and selecting the life benefit link(s) from your Benefits Summary page (ERIEweb > Info Center > myBenefits > Benefits Summary).


Affirm or change your life beneficiary during Open Enrollment for the upcoming plan year (effective January 1) through the myBenefits Open Enrollment link on ERIEweb.

  1. 1. 

    During annual enrollment, current active Employees can elect an additional 1x base annual earnings for Supplemental Life offering without evidence of insurability.

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