Advocate Health Care
Benefits
Life Insurance

 
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Beneficiaries
When to make beneficiary designations
You'll receive a beneficiary designation form:

When you are a new hire and become eligible for Advocate's Basic Life and AD&D Insurance. This form is provided in your new hire kit
If you choose to enroll for Optional Life Insurance or Optional AD&D Insurance. You'll receive a beneficiary designation form from the Life Insurance Administrator

Note: Basic Life and AD&D Insurance and Optional Life and AD&D Insurance have separate beneficiary designation forms. You may change your beneficiaries at any time by submitting a new form, but be sure to submit forms to change your beneficiaries for each plan; if that is your intention.

How to make beneficiary designations
It's important that your beneficiary designation clearly state your intentions. The following samples are the most common designations:

Mary J. Smith, wife (NOT Mrs. John J. Smith)
Mary J. Smith, wife, if living, otherwise to Joseph W. Smith, son
Mary J. Smith, wife, if living, otherwise to Jane Smith, daughter and Joseph W. Smith, son, in equal shares or to the survivor
Estate of John J. Smith

If you name more than one beneficiary with unequal shares, please show the fraction or percentage to be paid to each beneficiary. For example:

1/3 to Mary Jones, mother and 2/3 to Edith Jones, wife, or
75% to Thomas Wicker, husband and 25% to Sarah Anderson, mother.

Always provide the Social Security number and address of each beneficiary, and the relationship of each beneficiary to you. If the beneficiary isn't related to you either by blood or marriage, write "not related" for the relationship.