Smokey Bones Online Benefits Information


Basic Term Life/AD&D Insurance

Smokey Bones provides each eligible firestarter with Basic Term Life and Accidental Death & Dismemberment (AD&D) insurance. Each firestarter is provided with coverage in an amount equal to one (1) times their annual salary.


If you have not already designated a beneficiary, or if you want to change your beneficiary, please call your Human Resources Department. Please make sure the most up-to-date information is on file. If there are no beneficiaries on file, benefits will be paid in accordance with the successive beneficiary provisions contained in the group life insurance policy.

For additional information, please call your Human Resources department.

Voluntary Life and AD&D Insurance

In addition to the Basic Term Life and AD&D, you have the option of purchasing additional Voluntary Life Insurance for yourself, your spouse, or dependent child(ren).

  • Voluntary Life—Employee: Employee: 1,2,3,4, or 5 times Annual Compensation, rounded to the next higher $1,000
  • Guaranteed Issue: the lesser of 2 times Annual Compensation or $300,000
  • Voluntary Life– Spouse: $10,000
  • Guaranteed Issue: $10,000
  • Voluntary Life—Child(ren): For a child less than 6 months old = $500; For a child greater than 6 months old = $5,000
  • Guaranteed Issue: $5,000

Statement of Health and Evidence of Insurability All new hires or any employee enrolling in the 2017 Open Enrollment period, may elect the Guaranteed Issue amounts listed above, with no medical underwriting. If you decline coverage, you will not be permitted to elect Voluntary Life coverage until the next annual enrollment period unless you have a Qualifying Life Event. Additionally, after your initial enrollment period or the 2017 Open Enrollment period, Evidence of Insurability will be required for all coverage amounts. The elected coverage will not be effective until you are approved by the carrier.

Additional Information-click on link below

Beneficiary Designation Form

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