"Finally, I also purchased the optional FDX Accidental Death & Dismemberment insurance from FDX for employee & family --- $235K in coverage for all 5 family members for just $9.00 a month (...2 Starbucks coffees). It was insurance I really couldn't get elsewhere, and covered an additional risk factor."
I may be wrong here but I think the employee only is covered at the $235k level. If memory serves your spouse is $25k and kids $10k. Let me know if I am wrong.