- Psychological Well-Being
- Bright Horizons
- Work/Life Solutions
- Health Advocacy
- Flexible Spending Accounts
- 401k and ESOP
- Employee Retirement Account
- Tuition Reimbursement
- Adoption/Surrogacy Reimbursement
- Short-term Disability (Salary Continuation)
- Long-Term Disability
- Paid Family Leave
- Accidental Death & Dismemberment
- Life Insurance
- Business Travel Accident
- Voluntary Benefits
- Paid Time Off
- Milk Stork
- Personal Travel Assistance
Accidental Death & Dismemberment (AD&D)
If you are an employee with salaried benefits, you are eligible to purchase voluntary AD&D coverage through Prudential. AD&D coverage pays a benefit in the case of an accident in which you and/or your covered spouse suffers certain injuries or death. You can purchase coverage in $5,000 increments:
- For yourself: from $25,000 to $500,000.
- For your spouse: from $25,000 to $250,000.
You must be enrolled in voluntary AD&D coverage for yourself in order to purchase it for your spouse. Your spouse amount cannot be greater than your coverage amount.
Don’t forget to designate a beneficiary
A beneficiary is someone who will receive your life insurance benefits if you die. Since Cargill provides Basic Life insurance, you should have a beneficiary on file even if you don’t elect additional coverage. Unless you elect otherwise, your beneficiary designation will apply to your Basic Life coverage and any Additional Life, Voluntary AD&D and Business Travel Accident elections you have on file.
If you do not name a beneficiary or your designated beneficiary dies before you, the benefit will be paid in one sum to the survivor in the highest category in the following order:
- Spouse/Domestic Partner;
- Sisters and brothers; or
Disclaimer: If there are any differences/discrepancies between the information on this website (www.cargill.com/myhealth and all related pages) and the information in the plan documents and/or summary plan descriptions (SPDs), the information in the plan documents/SPDs will overrule. Employees will receive information on how to access SPDs based on their benefits eligibility.