Basic Group Life and Accidental Death and Dismemberment (AD&D) coverage is a 100% employer-paid benefit, provided at no cost to you. The basic life benefit will be paid to your beneficiaries in the event of your death. The AD&D benefit will be paid in the event of an injury resulting from a covered accident.

Benefit
Basic Life Benefit	$25,000
Life Maximum	$25,000
AD&D Benefit	$25,000
Age Reduction	If you have not reached age 65, your amount of insurance will be $25,000. If you have reached age 65, but not age 70, your amount of insurance will be 65% of the original amount. If you have reached age 70, but not age 75, your amount of insurance will be 40% of the original amount. If you have reached age 75 or more, your amount of insurance will be 25% of the original amount. Your amount of insurance will be rounded to the next higher multiple of $1,000, if not already an exact multiple. Any reduction will be subject to the other provisions of the policy and will also apply if your insurance is continued during disability.

Downloads

Summary of Benefits

When your needs call for coverage for more than just yourself, additional coverage is available for purchase for your spouse and your dependent children. Coverage purchased through this plan is offered at a rate of $1.78 per pay period. Full-time employees who are active at work and their dependents are eligible to participate in this plan.


Spouse	$7,500
Children (Live Birth but less than 6 months)	$500
Children (6 Months but less than age 26)	$5,000
Maximum Amount	The amount of insurance for dependent will not be more than half the covered person’s amount of insurance.

Downloads

Summary of Benefits

When your needs call for more than Basic Life and AD&D coverage, additional Voluntary Life and AD&D coverage is available for purchase for you, your spouse and your dependent children. Coverage purchased through this plan is offered at a group discounted rate with guarantee issue amounts. Employees must elect coverage in order to purchase spouse or child coverage. Be sure to check your plan documents for details. You are eligible to participate if you are an active fulltime employee working 30 or more hours per week, except temporary or seasonal employees.

	Employee Benefit Details
Voluntary Life Amount	Life insurance coverage is available in $10,000 units from a minimum of $20,000 to a maximum of $500,000, not to exceed 5 times your basic annual earnings.
Voluntary AD&D Amount	The AD&D benefit, equals the employee or dependent Life amount, to a maximum of $500,000.
Guarantee Issue	Guarantee Issue means the amount of coverage you can purchase without answering proof of good health questions. Guarantee Issue amounts apply to those who apply within 31 days of eligibility. If you decline Voluntary Life coverage, you may be required to provide proof of good health to become insured.
Age Reduction Schedule	At age 70: reduced by 33%, rounded to the next higher $10,000 At age 75: reduce by 33%, rounded to the next higher $10,000 The reduced amount will not be less than $20,000
Accelerated Benefit	An Accelerated Benefit pays up to 80% of the Life benefit to a maximum of $250,000 in the event of a life-threatening medical condition where there is a life expectancy of 12 months or less. Limitations and exclusions apply.
Plan Portability	Allows you to continue coverage for up to 3 years after terminating current employment. Limitations and exclusions apply.
Disability	If you become disabled, your premiums may be waived to the earliest of age 65, recovery or retirement if disabled prior to age 60. If you become disabled at age 60 through 64, the waiver of premium will be to the earliest of one year, age 65 or retirement.

	Dependent Benefit Details
Eligibility	Available for eligible dependents, including your lawful spouse (if not disabled or hospital confined on the effective date) and unmarried children (if not hospital confined) from live birth to age 26
Voluntary Life Amount	If you elect coverage for yourself, you can buy up to 50% of that amount for your spouse in $5,000 units to a maximum of $250,000. If you elect child coverage, your children are eligible to be covered for $1,000, $5,000, or $10,000 each. The amount of insurance for an eligible dependent cannot be more than 50% of your Life Insurance amount.
Voluntary AD&D Amount	The AD&D benefit, equals the employee or dependent Life amount, to a maximum of $500,000.
Guarantee Issue	Spouse: $50,000 Child: $10,000 Guarantee Issue means the amount of coverage you can purchase without answering proof of good health questions. Guarantee Issue amounts apply to those who apply within 31 days of eligibility. If you decline Voluntary Life coverage, you may be required to provide proof of good health to become insured.

Downloads

Summary of Benefits

Life and AD&D Benefits