A re What is a beneficiary? there other limitations to enrollment? Y our beneficiary is the person (or persons) or legal entity (entities) who receive
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1 S VL1_Value Voluntary Life T his this text box here. A post process uses the text above to do a "Find/Replace" of variable text and the header. Template: Life_BHS Voluntary Life Benefit Highlights Burkburnett Independent School District What is V oluntary Life I nsurance? V oluntary Life is coverage that you pay for. Voluntary Life p ays your beneficiary (please see below) a benefit if you die while you are covered. This highlight sheet is an overview of your Voluntary Life. Once a group policy i s issued to your employer, a certificate of insurance will be available to explain your coverage in detail. Am I eligible? Y ou are eligible if you are an active full time employee who works at least 20 hours per week on a regularly scheduled basis. When can I enroll? When is it effective? How much V oluntary Life c an I p urchase? I already have V oluntary L ife c overage; do I have to do anything? A m I guaranteed coverage? Y ou can enroll during your scheduled enrollment period, within 31 days of the date you h ave a change in family status, or within 31 days of the completion of your eligibility waiting period as stated in your group policy. C overage goes into effect subject to the terms and conditions of the policy. You must be actively at work with your employer on the day your coverage takes effect. You can purchase V oluntary Life in increments of $ 10,000. The maximum amount you can purchase cannot be more than t he lesser of 5 t imes your annual Salary o r $ 500,000. Annual S alary is a s defined in The Hartford s contract with your employer. you take no action, your coverage and coverage for your eligible dependents w ill automatically continue with The Hartford subject to the terms of the contract. I f you enroll during your annual enrollment period or are newly eligible and elect an amount that exceeds the guaranteed issue amount of $ 150,000, you will need to provide e vidence of insurability that is satisfactory to The Hartford before the excess can become e ffective. you enroll after your annual or initial enrollment period, evidence of insurability will be required for all coverage amounts. B urkburnett Independent School District Life BHS Page 1 of 3
2 A re What is a beneficiary? there other limitations to enrollment? Y our beneficiary is the person (or persons) or legal entity (entities) who receives a benefit p ayment if you die while you are covered by the policy. You must select your beneficiary when you complete your enrollment application; your selection is legally binding. I f you do not enroll within 31 days of your first day of eligibility, you will be considered a l ate entrant. Typically, late entrants may need to show evidence of insurability and may be responsible for the cost of physical exams or other associated costs if they are required. T his coverage, like most group benefit insurance, requires that a certain percentage of e ligible employees participate. that group participation minimum is not met, the insurance coverage that you have elected may not be in effect. S pouse Voluntary Life I nsurance you elect Voluntary Life f or yourself, you may choose to purchase S pouse V oluntary Life in increments of $ 5,000, to a maximum of $ 125,000. C overage cannot exceed 50% of the amount of your Employee v oluntary/supplemental l ife insurance coverage. Y ou may not elect coverage for your spouse if they are in active full-time military service or is already covered as an employee under this policy. I f your spouse is confined in a hospital or elsewhere because of disability on the date his o r her insurance would normally have become effective, coverage (or an increase in c overage) will be deferred until that dependent is no longer confined and has performed a ll the normal activities of a healthy person of the same age for at least 15 consecutive days. I f you enroll during your annual enrollment period or are newly eligible and elect an amount that exceeds the guaranteed issue amount of $ 50,000, your spouse will need to p rovide evidence of insurability that is satisfactory to The Hartford before the excess can b ecome effective. you enroll after your annual or initial enrollment period, evidence of insurability will be required for all coverage amounts. C hild(ren) Voluntary Life D oes my coverage reduce as I get older? you elect Voluntary Life f or yourself, yo u may choose to purchase C hild(ren) V oluntary Life c overage in the amount(s) of $ 10,000 f or each child no medical i nformation is required. I f your dependent child(ren) is confined in a hospital or elsewhere because of d isability on the date his or her insurance would normally have become effective, c overage (or an increase in coverage) will be deferred until that dependent is no l onger confined and has performed all the normal activities of a healthy person of the same age for at least 15 consecutive days. Your child(ren) must be a t least 15 days but not yet age 26 to be covered. C hild(ren) age 26 or older may be covered if they were disabled prior to attaining age 26. b y 35% at age 65 and by 50% at age 70. All coverage cancels at retirement. B urkburnett Independent School District Life BHS Page 2 of 3
3 C an I keep my life coverage i f I leave my employer? Yes, subject to the contract, you have the option of: Converting your group life coverage to your own individual policy (policies). I f you leave your employer, portability is an option that allows you to continue your life i nsurance coverage. To be eligible, you must terminate your employment prior to Social Security Normal Retirement Age. This option allows you to continue all or a p ortion of your life insurance coverage under a separate portability term policy. Portability is subject to a minimum of $5,000 and a maximum of $ 250,000 a nd does include coverage for your spouse a nd c hild(ren). To elect portability, you must apply a nd pay the premium within 31 days of the termination of your life insurance. Evidence of insurability will not be required. Dependent spouse portability is subject to a maximum of $50,000. Dependent child(ren) portability is subject to a maximum of $10,000. W hat is the living benefits option? D o I still pay my life i nsurance premiums if I become disabled? you are diagnosed as terminally ill with a 12 m onth life expectancy, you may be eligible t o receive payment of a portion of your life insurance. The remaining amount of your life insurance would be paid to your beneficiary when you die. you become totally disabled before age 60 and your disability lasts for at least 9 m onths, your life insurance premium may be waived. T he premium for your dependent s coverage w ill also be waived if you are disabled and approved for waiver of premium. Coverage for your dependents will end if the policy terminates. Important Details As is standard with most term life insurance, this insurance coverage includes certain limitations and exclusions: the amount of your coverage may be reduced when you reach certain ages. death by suicide (two years). O ther exclusions may apply depending upon your coverage. Once a group policy is issued to your employer, a certificate of insurance will be available to explain your coverage in detail. T his benefit highlights sheet is an overview of the insurance being offered and is provided for illustrative purposes only and is n ot a contract. It in no way changes or affects the policy as actually issued. Only the insurance policy issued to the policyholder ( your employer) can fully describe all of the provisions, terms, conditions, limitations and exclusions of your insurance c overage. In the event of any difference between the benefit highlights sheet and the insurance policy, the terms of the insurance policy apply. B urkburnett Independent School District Life BHS Page 3 of 3
4 V ADDA1_Value Voluntary Accidental Death and Dismemberment This this text box here. A post process uses the text above to do a "Find/Re- place" of variable text and the header. Template: ADD_BHS Voluntary Accidental Death and Dismemberment Benefit highlights for: Burkburnett Independent School District What is V oluntary A ccidental Death and D ismemberment I nsurance? Voluntary Accidental Death and Dismemberment p ays your beneficiary (please s ee below) a death benefit if you die due to a covered accident while you are insured. It a lso pays you a benefit for certain accidental losses. Once a group policy is issued to your employer, a certificate of insurance will be available to explain your coverage in detail. Death benefits are paid in addition to any life insurance benefits. Voluntary Accidental Death and Dismemberment p ays benefits for accidental loss of limbs, thumb and index finger, speech, hearing, and sight. Voluntary Accidental Death and Dismemberment c overs losses that occur a way from work or at work. Benefits are paid regardless of any worker s compensation benefits you collect. This highlight sheet is an overview of your V oluntary Accidental Death and D ismemberment. What does V oluntary A ccidental Death and D ismemberment cover? Y ou may receive benefits due to certain losses or death from an accident. The covered losses or death can occur up to 365 days after that accident. The policy pays for: 100% of the amount of coverage you purchase in the event of accidental loss of life, or speech and hearing in both ears. O ne-half (50%) for accidental loss of one hand or foot, sight of one eye, or speech or hearing in both ears. One-quarter (25%) for accidental loss of thumb and index finger of the same hand. A dditionally, your employer may have elected optional/supplemental benefits as part of your AD&D coverage. Refer to the certificate of insurance for further information. Y our total benefit for all losses due to the same accident will not be more than 100% of the amount of coverage you purchase. W hat optional benefits h as my employer s elected as part of my V oluntary Accidental D eath and D ismemberment I nsurance? Child Education Benefit Day Care Benefit Paralysis Benefit Seat Belt & Air Bag Spouse Education Benefit B urkburnett Independent School District AD&D BHS Page 1 of 3
5 Am I eligible? Y ou are eligible if you are an active full week on a regularly scheduled basis. time employee who works at least 20 hours per When can I enroll? When is it effective? How much V oluntary A ccidental Death and D ismemberment c an I purchase? D oes my coverage reduce as I get older? Y ou can enroll during your scheduled enrollment period, within 31 days of the date you h ave a change in family status, or within 31 days of the completion of your eligibility waiting period as stated in your group policy. C overage goes into effect subject to the terms and conditions of the policy. You must be actively at work with your employer on the day your coverage takes effect. You can purchase V oluntary Accidental Death and Dismemberment i n increments of $ 10,000. The maximum amount you can purchase cannot be more than 10 t imes your annual S alary o r $ 500,000. S alary i s as defined in The Hartford s contract with your employer. N o. A re D o I have to provide m edical information to receive coverage? What is a beneficiary? there other limitations to enrollment? N o medical information is required. You are guaranteed the amount of coverage that you select, subject to maximum amounts defined in your policy. Y our beneficiary is the person (or persons) or legal entity (entities) who receives a benefit p ayment if you die while you are covered by the policy. You must select your beneficiary when you complete your enrollment application; your selection is legally binding. Y ou are automatically the beneficiary for any dependent coverage and for any AD&D losses other than life. T his coverage, like most group benefit insurance, requires that a certain percentage of e ligible employees participate. that group participation minimum is not met, the insurance coverage that you have elected may not be in effect. B urkburnett Independent School District AD&D BHS Page 2 of 3
6 V oluntary Accidental Death a nd Dismemberment f or your dependents Y ou may also choose Voluntary Accidental s pouse a nd/or dependent child(ren). You may choose Voluntary Accidental spouse in the following amounts: Death and Dismemberment Death and Dismemberment f or your f or your 50% of the amount you select for yourself if you do not have any child(ren) whom you cover under this V oluntary Accidental Death and Dismemberment policy. 40% if you have child(ren) whom you cover under this V oluntary Accidental Death a nd Dismemberment policy. Y ou may not elect coverage for your spouse if your spouse is already covered as an employee under this policy. You may choose guaranteed V oluntary Accidental Death and Dismemberment for each child a t least 15 days but under age 26 in the following amounts: 15% of the amount you select for yourself if you do not have a spouse whom you cover under this V oluntary Accidental Death and Dismemberment policy 10% if you have a spouse whom you cover under this V oluntary Accidental Death a nd Dismemberment policy Important Details As is standard with most insurance, this Voluntary Accidental Death and Dismemberment i ncludes limitations and exclusions. V oluntary Accidental Death and Dismemberment does not cover losses caused by or contributed by: sickness; disease; or any treatment for either; a ny infection, except certain ones caused by an accidental cut or wound; i ntentionally self-inflicted injury, suicide or suicide attempt; war or act of war, whether declared or not; i njury sustained while in the armed forces of any country or international authority; t aking prescription or illegal drugs unless p rescribed for or administered by a licensed physician; i njury sustained while committing or attempting to commit a felony; the injured person s intoxication. O ther exclusions may apply depending upon the terms of your policy and other requirements. Once a group policy is issued to your employer, a certificate of insurance will be available to explain your coverage in detail. This benefit highlights sheet is an overview of the general purposes of the V oluntary Accidental Death and Dismemberment b eing offered and is provided for illustrative purposes only and is not a contract. It in no way changes or affects the p olicy as actually issued. Only the insurance policy issued to the policyholder (your employer) can fully describe all of the p rovisions, terms, conditions, limitations and exclusions of your insurance coverage. In the event of any difference between the benefit highlights sheet and the policy, the terms of the insurance policy apply. B urkburnett Independent School District AD&D BHS Page 3 of 3
7 Hartford Voluntary Life / AD&D Rates Burkburnett Independent School District Monthly Payroll Deduction EMPLOYEE LIFE RATES $10,000 $20,000 $30,000 $40,000 $50,000 $60,000 $70,000 $80,000 $100,000 Age B and 0-24 $0.40 $0.80 $1.20 $1.60 $2.00 $2.40 $2.80 $3.20 $ $0.40 $0.80 $1.20 $1.60 $2.00 $2.40 $2.80 $3.20 $ $0.40 $0.80 $1.20 $1.60 $2.00 $2.40 $2.80 $3.20 $ $0.60 $1.20 $1.80 $2.40 $3.00 $3.60 $4.20 $4.80 $ $1.00 $2.00 $3.00 $4.00 $5.00 $6.00 $7.00 $8.00 $ $1.50 $3.00 $4.50 $6.00 $7.50 $9.00 $10.50 $12.00 $ $2.60 $5.20 $7.80 $10.40 $13.00 $15.60 $18.20 $20.80 $ $4.00 $8.00 $12.00 $16.00 $20.00 $24.00 $28.00 $32.00 $ $5.30 $10.60 $15.90 $21.20 $26.50 $31.80 $37.10 $42.40 $ $8.60 $17.20 $25.80 $34.40 $43.00 $51.60 $60.20 $68.80 $ $15.00 $30.00 $45.00 $60.00 $75.00 $90.00 $ $ $ $27.20 $54.40 $81.60 $ $ $ $ $ $ Any amount over $150,000 will be medically underwritten. You must complete an Evidence of Insuarbility Form SPOUSE LIFE RATES $5,000 $10,000 $15,000 $20,000 $25,000 $30,000 $35,000 $40,000 $50,000 Age B and 0-24 $0.20 $0.40 $0.60 $0.80 $1.00 $1.20 $1.40 $1.60 $ $0.20 $0.40 $0.60 $0.80 $1.00 $1.20 $1.40 $1.60 $ $0.20 $0.40 $0.60 $0.80 $1.00 $1.20 $1.40 $1.60 $ $0.30 $0.60 $0.90 $1.20 $1.50 $1.80 $2.10 $2.40 $ $0.50 $1.00 $1.50 $2.00 $2.50 $3.00 $3.50 $4.00 $ $0.75 $1.50 $2.25 $3.00 $3.75 $4.50 $5.25 $6.00 $ $1.30 $2.60 $3.90 $5.20 $6.50 $7.80 $9.10 $10.40 $ $2.00 $4.00 $6.00 $8.00 $10.00 $12.00 $14.00 $16.00 $ $2.65 $5.30 $7.95 $10.60 $13.25 $15.90 $18.55 $21.20 $ $4.30 $8.60 $12.90 $17.20 $21.50 $25.80 $30.10 $34.40 $ $7.50 $15.00 $22.50 $30.00 $37.50 $45.00 $52.50 $60.00 $ $13.60 $27.20 $40.80 $54.40 $68.00 $81.60 $95.20 $ $ Any amount over $50,000 will be medically underwritten. You must complete an Evidence of Insuarbility Form CHILD LIFE RATES $10,000 $1.00 Per Child Unit AD& D RATES $10,000 $20,000 $30,000 $40,000 $50,000 $60,000 $70,000 $80,000 $100,000 EMPLOYEE $0.40 $0.80 $1.20 $1.60 $2.00 $2.40 $2.80 $3.20 $4.00 FAMILY $0.60 $1.20 $1.80 $2.40 $3.00 $3.60 $4.20 $4.80 $6.00 NOTE: FINAL RATES MAY VARY SLIGHTLY DUE TO ROUNDING. THESE GRIDS ARE PRICES OF FREQUENTLY SELECTED AMOUNTS. YOU MAY CHOOSE ANY INCREMENT OF $10,000 UP TO $500,000.(NOT TO EXCEED 5 TIMES YOUR ANNUAL SALARY) FOR SPOUSE ANY INCREMENT OF $5,000 UP TO $125,000 (NOT TO EXCEED 50% OF EMPLOYEE LIFE AMOUNT) FOR AD& D ANY INCREMENT OF $10,000 UP TO $500,000 (NOT TO EXCEED 10 TIMES YOUR ANNUAL SALARY) TO PURCHASE AN AMOUNT OTHER THAN THOSE LEVELS INDICATED ABOVE, SIMPLY ADD LEVELS TOGETHER
Waller Independent School District
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