Full-time employees, part-time employees and retirees are automatically provided with basic life insurance. Full-time active employees and part-time Participants in the Medical plan can elect to purchase an additional $10,000 or $50,000 in supplemental life insurance at your own expense. Active part-time employees without Medical/Vision and Dental coverage with ther Plan can only elect an additional $35,00 in supplemental life insurance. You can download a supplemental life insurance form to complete and submit.
Your designated beneficiary will receive a lump-sum benefit upon your death. You must be covered by the Health & Welfare Plan for your designated beneficiary to receive this benefit.
The Plan also provides an additional benefit to active employees for accidental death or dismemberment. You may also be eligible to receive up to half of your life insurance benefits if you are terminally ill.
The amount of the benefit that your beneficiary is eligible to receive is based on your work status and the other coverage that you have, as shown in the chart below.
|Your Work Status||Life Insurance Benefit||Accidental Death Benefit*||Available Supplemental Life Insurance|
|Active Full-Time Employees||$50,000||$50,000||Without evidence of insurability, an additional $50,000. With evidence of insurability, up to $250,000.|
|Active Part-Time Employees with Medical/Vision and Dental Coverage from the Plan||$50,000||$50,000||Without evidence of insurability, an additional $50,000. With evidence of insurability, up to $250,000.|
|Active Part-Time Employees without Medical/Vision and Dental Coverage from the Plan||$25,000||None||$35,000|
|New Service Employees||$20,000||None||None|
|Widows and Dependents||None||None||None|
* The dismemberment benefit is a percentage of the accidental death benefit up to 100% based upon the nature of the loss. See your certificate of coverage for details.
Full-time active employees and part-time Participants in the medical Plan can elect an additional $10,000 or $50,000 in supplemental life insurance without evidence of insurability. They can also elect up to $250,000 in supplemental life insurance with evidence of insurability.
You pay the full cost of this program. Premiums for supplemental coverage will be deducted from your pay. Rates are available with Open Enrollment material. Rates are expressed in cents per thousand dollars.
Active part-time employees without Medical/Vision and Dental Coverage with the plan can only elect an additional $35,000 in supplemental life insurance.
You can download a supplemental life insurance form to complete and submit.
The supplemental life benefit is not payable if you commit suicide within two years of obtaining the coverage.
The accidental death and dismemberment benefit is not payable for any loss caused or contributed to by:
If your life insurance ends, you may have the option to buy an individual policy from the insurance carriers. This is called the “option to convert.” You have the option to convert when your life insurance ends because:
If you die within 31 days after your life insurance ends, proof of your death must be sent to the Health & Welfare Plan. If approved, your designated beneficiary will receive the amount of life insurance you were entitled to convert.
You may choose anyone to be the beneficiary for your life insurance/accidental death insurance benefit. This person’s name must be on file with the Health & Welfare Plan in order to be valid. You can download and complete a beneficiary form.You may also choose different beneficiaries for your basic life insurance and for your supplemental life insurance. Make sure your beneficiary designations are up to date. To make any changes, contact the Health & Welfare Plan.
Only you are eligible for life insurance under the Plan. However, you can name anyone to be the beneficiary of your Life Insurance Plan. That person(s) name must be on file with the Plan to be valid. For more information, visit the Life and Accident Insurance section.