Financial Advisors

Life Insurance
H&R Block Financial Advisors provides life insurance equal to one times an associate's base annual salary at no cost. For associates who receive commission, H&R Block Financial Advisors provides life insurance equal to base salary plus commission. Associates are also eligible to elect voluntary life insurance of up to $500,000, at group rates. In addition, associates may choose spouse and/or child life insurance coverage for their family members. Some limitations on coverage may apply and evidence of insurability may be required. Your enrollment materials will provide more details on the life insurance plan.

Accidental Death and Dismemberment (AD D)
H&R Block Financial Advisors understands that life sometimes presents sudden unexpected losses. With regard to those situations and in addition to a life insurance policy, H&R Block Financial Advisors also offers an accidental death and dismemberment policy to assist associates and their families in the event of sudden loss of life due to unforeseen circumstances.

Short-term Disability
After 90 days of employment, associates are eligible for short-term disability coverage that will pay 100% of their monthly salary for the first 90 calendar days and 60% for the next 90 calendar days if they are disabled and unable to work, subject to plan provisions. H&R Block pays the full cost of this benefit.

Long-term Disability
Associates may choose long-term disability (LTD) insurance coverage. This coverage will pay 60% of their basic monthly salary, or, basic monthly salary plus commission for financial advisors, if they are disabled beyond the 180 days covered by short-term disability. This benefit will continue for the length of the disability or until the associate reaches the age of 65. The associate and H&R Block Financial Advisors share the cost of LTD insurance.