Life and Accident Insurance

Plan Documentation and Resources

Life Insurance

This benefit is payable to your beneficiary upon your death for any cause. A repatriation benefit covers the expense incurred, up to $5,000, to transport your body to a mortuary near your primary place of residence.

The life insurance plan through Standard Insurance Company provides you with the following basic coverage of $50,000 for the participant.

Accident Insurance

The life insurance plan through Standard Insurance Company provides you with the following basic coverage of $50,000 for the participant. This benefit is payable if your death is a result of an accident. This plan provides several special benefit provisions, as described below.

Accelerated Death Benefit - 75% of your life insurance

• If you are terminally ill with a life expectancy of fewer than 12 months, you may receive up to 75% of your life insurance amount.

Air Bag - $5,000

• If death results from an airbag deploying while wearing a seat belt.

Career Adjustment - up to $10,000 (not to exceed $5000/year)

• Reimbursement for tuition expenses incurred by your spouse within 36 months after your death, exclusive of room and board charges.

Child Care - up to $10,000 (not to exceed $5,000/year)

• Reimbursement for total child care expenses for all children under age 13, incurred within 36 months after your death.

Higher Education - up to $12,000 per child (not to exceed $5,000/year/child)

• Reimbursement for tuition expenses incurred per child within four years after your death at an accredited institution of higher education, exclusive of room and board charges.

Loss of Use

• Loss of one hand, one foot, or sight of any eye - 50% of your accident insurance
• Loss of both hands, feet, sight in both eyes, or combination of any two (e.g., one hand and one foot) - 100% of your accident insurance.

Seat Belt - $10,000

• If the death occurred while wearing a seat belt in an automobile accident.

Portability

• You can continue your life insurance at low group insurance rates without Evidence of Insurability under certain conditions: your appointment ends, you are not disabled, and you have been on the life insurance plan for at least 12 months. You can also port accident insurance if you are under age 65.

Conversion

• If your appointment ends and you are not eligible for portability, you may buy an individual life insurance policy without Evidence of Insurability. Conversion does not apply to accident insurance.

Beneficiary Information

When you become covered under the plan, you must provide your beneficiary designations via the Benelogic enrollment website. Also, remember that changes in your family status (such as marriage, divorce, or new children) do not automatically alter or revoke your previous designations. Therefore, you must review your beneficiary designations from time to time. If you need to change your beneficiary designation, please use these instructions.