Los Alamos National Laboratory

Los Alamos National Laboratory

Delivering science and technology to protect our nation and promote world stability

Life Insurance

A comprehensive benefits package with plan options for health care and retirement to take care of our employees today and tomorrow.

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Protection for you and your family

The Lab offers a variety of life insurance options through The Hartford to help you protect your loved ones. Life insurance provides financial assistance to help cover the rising costs of final expenses and any outstanding debts you leave behind.

Basic Life

Basic Life insurance coverage provides 1 times your annual earnings, rounded to the next highest $1,000 if not a multiple of $1,000, with a minimum of $5,000 and a maximum of $50,000.

The premiums for Basic Life insurance are paid by the Lab. Eligible employees are automatically enrolled in this coverage.

Supplemental Life

If you need coverage in addition to Basic Life insurance, the Lab offers Supplemental Life insurance. The Supplemental Life plan offers you the flexibility to select the appropriate amount of coverage for you and your family.

You can select coverage from 1 time to 5* times your annual earnings. The cost for this coverage is based on your age and the amount of coverage you select.

*Coverage greater than 3 times annual earnings requires evidence of insurability (Personal Health Application), which is subject to approval by the carrier.

Dependent Life

Dependent Life provides a financial benefit to you in the event you experience the loss of a dependent. You must be enrolled in Supplemental Life to enroll your eligible dependents in Dependent Life.

The cost of coverage is based on the covered dependents, the plan, and the coverage level you select.

Note: New hires are offered Supplemental Life up to 3 times their annual earnings without evidence of insurability (Personal Health Application). Spouses and domestic partners can initially be covered for up to $50,000 and children up to $10,000 without evidence of insurability. Enrollments after the new hire period of initial eligibility are subject to evidence of insurability (Personal Health Application), which may be denied by the carrier.

Business Travel Accident Insurance

Employees whose duties include business travel are also automatically covered for $100,000 in travel accident insurance under a separate policy. Premiums are paid by the Lab.

More information


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