Voluntary Benefits Employees have the option to purchase additional life, accident, and critical illness insurance. Coverage is only available to the spouse and dependent child(ren) if the employee elects coverage. Accident Voluntary Life & AD&D Employee Benefit: Up to $00,000 depending Employee Benefit: Increments of $00,000 up to $00,000. severity of accident. Guarantee issue of $00,000. Spouse & Child(ren) Benefit: Up to $5,000 Spouse Benefit: Increments of $0,000 up to $0,000. depending severity of accident. (Cannot exceed 50% of employee amount) Guarantee issue of $0,000. Child(ren) Benefit: Up to $0,000, guarantee issue is face-value. Critical Illness (Children age 14 days to 23 years, 26 if full-time student) Employee Benefit: $0,000 or $0,000 Spouse Benefit: 20% of employee benefit. Child(ren) Benefit: 15% of employee benefit.