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BB&T Insurance Overview

The prospects of a debilitating injury, long-term disability, or death are frightening, and many choose to ignore them. However, appropriately planning for and protecting yourself and your family from unforeseeable changes can make all the difference.

BB&T offers a number of different insurance options to ensure you and your family are financially protected from unexpected situations.

Disability Insurance
The Disability Insurance Program is structured to prevent a lapse in pay if you are out of work due to non-work related illness or disability. Disability Insurance has two options—50% coverage or 60% coverage—and both are based on your monthly Benefits Annual Rate. BB&T provides the 50% disability option to associates at no cost. The premium for the 60% disability option is based upon your individual Benefits Annual Rate and your age.

Term Life Insurance
Term Life Insurance can provide your family with a financial benefit in the event of your death. BB&T provides basic Term Life Insurance coverage equal to two times your Benefits Annual Rate at no cost to you. In addition, you can choose an additional one to six times your benefits base salary in supplemental Term Life Insurance coverage. Your insurance election can only increase one level each year.

Dependent Life Insurance
The Dependent Life Insurance Program allows you to elect coverage for your spouse and/or dependent children.

Accidental Death & Dismemberment Insurance
Accidental Death and Dismemberment (AD&D) insurance provides coverage that pays a death benefit to your designated beneficiary or beneficiaries if you die as the result of an accident. A percentage of the total benefit amount is paid to you if you suffer certain dismembering injuries, such as the loss of an arm, leg, hand, foot or sight.

Business Travel Accident Insurance
BB&T provides insurance for you that may pay a benefit if you are injured in an accident while traveling on company business. The policy may pay up to $250,000 ($500,000 for senior vice presidents and above) for injuries received.

BB&T Voluntary Benefits
In addition to the Flexible Benefits insurance options above, you have an opportunity to enroll in two voluntary benefits that may be of interest to you and your family: Critical Illness Coverage and Group Accident Insurance. Critical Illness Coverage can help protect you and your eligible family members in the event you or a family member is diagnosed with a covered critical illness. Group Accident Insurance can help protect you and your eligible family members in the event you or a family member is involved in a covered accident. Both of these voluntary benefits are offered through Aflac® to benefits-eligible associates who are actively at work.

You will have the opportunity to enroll in these and other BB&T Benefits during the next benefits annual enrollment period in the fall. You may be able to make changes to your current benefits elections following a qualified Life Event Change.

Learn more about Life Event Changes.

We want your feedback! Was this article beneficial? Do you need more information? Please contact Compensation & Benefits Communication Administration at CommunicationAdministration@BBandT.com.

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Information contained within BBTBenefits.com applies to eligible associates residing in the United States, unless otherwise specified.


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