Group Life

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Your Group Life Insurance Benefit
 
At no expense to you, we provide all eligible employees with life insurance benefits. The amount of your benefit is consistent with your employment contract.
 
This valuable benefit pays a lump sum to any qualified beneficiary(s) you elect. This benefit also pays an additional amount in the event of an accidental death or dismemberment.
 
To qualify for this benefit, you must elect a beneficiary at enrollment. Coverage is underwritten by Dearborn National.
 
Eligible employees may also purchase additional life insurance coverage at a discounted group rate. This additional life insurance can be purchased in $1,000 increments, to a limit of five times your annual earnings or $500,000 (whichever is less). During your intial enrollment, employees can qualify for optional coverage up to $300,000 on a guarantee issue basis. Amounts in excess of the guarantee issue or if you are a late enrollee are subject to satisfaction of the Evidence of Insurability (EOI). The EOI form is available below.
 
If you enroll in the optional life coverage, you may also purchase coverage for a spouse under age 70 or dependent child under age 26. An employee can elect spouse life benefit between $5,000 to $250,000, in increments of $500, not to exceed 100% of the employee benefit amount. An employee can elect child life benefit of $2,500, $5,000, $7,500 or $10,000. Coverage for live birth to 6 months is $1,000 under each of the plan options. The guarantee issue limits are $50,000 for spouse and $10,000 for child life. Please consult the appropriate certificate for your district below under Documents By School for full details.
 
During open enrollment, you may increase your voluntary life benefit up to $10,000 without EOI as long as the benefit does not exceed 5 times your salary or the guarantee issue amount, whichever is less.
 
Contact Information: 800.348.4512
General Plan Documents
EOI Link
EOI FAQ
 
Documents By School

 


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