Voluntary Life and AD&D Unum
EMPLOYEE BENEFITS
ABOUT LIFE AND AD&D Group term life is the most inexpensive way to purchase life insurance. You have the freedom to select an amount of life insurance coverage you need to help protect the well-being of your family. Accidental Death & Dismemberment is life insurance coverage that pays a death benefit to the beneficiary, should death occur due to a covered accident. Dismemberment benefits are paid to you, according to the benefit level you select, if accidentally dismembered. For full plan details, please visit your benefit website: www.mybenefitshub.com/pinetreeisd Who is eligible for this coverage? the plan, you may apply for coverage on or before the enrollment All actively employed employees working at least 15 hours each deadline and will be required to answer health questions for any week for your employer in the U.S. and their eligible spouses and amount of coverage. children to age 26. New employees: To apply for coverage, complete your What are the coverage amounts? enrollment within 31 days of your eligibility period. If you apply • Employee: up to 5 times salary in increments of $10,000; not for coverage after 31 days, or if you choose coverage over the amount you are guaranteed, you will need to complete a medical to exceed $500,000. questionnaire which you can get from your plan administrator. • Spouse: up to 100% of employee amount in increments of You may also be required to take certain medical tests at Unum’s $5,000; not to exceed $500,000. expense. • Child: up to 100% of employee coverage amount in increments of $5,000; not to exceed $10,000. The maximum How do I apply? death benefit for a child between the ages of live birth and To apply for coverage, please see your Plan Administrator. six months is $5,000. If you apply for coverage after your effective date or if you choose coverage over the guaranteed issue amount, you will What are the AD&D coverage amounts? • Employee: up to 5 times salary in increments of $10,000; not need to complete a medical questionnaire, which you can get from your plan administrator. You may also be required to take to exceed $500,000. certain medical tests at Unum’s expense. • Spouse: up to 100% of employee amount in increments of $5,000; not to exceed $500,000. When is coverage effective? • Child: up to 100% of employee coverage amount in Please see your Plan Administrator. increments of $5,000; not to exceed $10,000. The maximum Insurance coverage will be delayed if you are not in active death benefit for a child between the ages of live birth and employment because of an injury, sickness, temporary layoff, or six months is $5,000. leave of absence on the date that insurance would otherwise Note: You may purchase AD&D coverage for yourself regardless become effective. of whether you purchase term life coverage. In order to purchase For your dependent spouse and children, insurance coverage will life and AD&D coverage for your dependents, you must buy be delayed if that dependent is totally disabled on the date that coverage for yourself. insurance would otherwise be effective. Totally disabled means that as a result of an injury, sickness, or disorder, your dependent Can I be denied coverage? spouse and children: are confined in a hospital or similar Current employees: If you and your eligible dependents are institution; or are confined at home under the care of a physician enrolled in the plan and wish to increase your life insurance for a sickness or injury. Exception: Infants are insured from live coverage, you may apply on or before the enrollment deadline birth. for any amount of additional coverage up to $250,000 for yourself and any amount of additional coverage up to $50,000 Is the coverage portable (can I keep it if I leave my employer)? for your spouse. Any life insurance coverage over the guaranteed If you retire, reduce your hours or leave your employer, you can amount(s) will be subject to answers to health questions. continue coverage for yourself your spouse and your dependent If you and your eligible dependents are not currently enrolled in children at the group rate. Portability is not available for people 27
