Life Insurance and AD&D, Optional Life Insurance and AD&D and Dependent Life Insurance

Genesis Energy provides full-time employees with a variety of insurance plans to provide replacement income to you or your beneficiaries in the event of accident, or death. We recognize that your benefit needs are unique and Genesis Energy pays the full cost of some benefits, while offering the opportunity to participate in voluntary benefit plans that can also help meet your specific needs.


Basic Employee Life and AD&D

At no cost to you, Genesis Energy provides you with basic life insurance and accidental death and dismemberment (AD&D) coverage. Salaried, hourly and day-rate full-time employees are provided with 3x base salary in coverage for each life and AD&D plan. Drivers are provided with $150,000 in coverage for each life and AD&D plan.


Optional Employee Life and Dependent Life

You can purchase optional life insurance coverage in addition to basic life and AD&D insurance to provide you and your family additional financial security. You can elect insurance for yourself and your dependents.


Employee Coverage

– Salaried, hourly, and day-rate full-time employees: 1x, 2x, 3x, 4x, or 5x base pay, up to a $1,000,000 maximum

– Drivers: In increments of $50,000, up to a $500,000 maximum


Dependent Coverage

– Dependent Spouse: Increments of $10,000, up to the lesser of your optional life coverage or $500,000

– Dependent Children: Increments of $5,000, up to a $25,000 maximum


Evidence of Insurability (EOI) is required for certain amounts, if you enroll after your initial eligibility period or enroll your spouse.

Age reductions may apply to life insurance amounts.


Genesis Energy – EOI – Evidence of Insurability Form

Genesis Alkali Philadelphia EOI – Evidence of Insurability Form

Genesis Alkali EOI Green River – Evidence of Insurability Form



Life Insurance Flyer

Expect the Unexpected

How Disability Insurance helps to protect your paycheck

Life Disability May Not Know Flyer




Employees whose benefit plan participation is governed by a collective bargaining unit must refer to the collective bargaining agreement to identify the benefit plans in which the collective bargaining unit participates. The benefits on this site do not apply to collective bargaining units.

*This site highlights your benefits. Official plan and insurance documents govern your rights and benefits under each plan. For more details about your benefits, including covered expenses, exclusions, and limitations, please refer to the individual summary plan description (SPD), plan document, or certificate of coverage for each plan. If any discrepancy exists between information on this site and the official plan contracts, the official plan contracts will prevail.