Crewmembers. coverage in detail. goes into effect subject to the terms and conditions of the policy. You must be

Transcription

1 E EBL1_Value Basic Life AD&D Insurance T h th text box here. A post process uses the text above to do a "Find/Replace" variable text the header. Template: Basic_Life_BHS Basic Life AD&D Insurance Benefit Highlights Crewmembers JetBlue Airways Corporation What B asic Life A D&D Insurance? Am I eligible? Y Jetblue our employer provides, provides, at no cost at no to cost you, to two you, forms Basic coverage, Life AD&D Basic Insuranc Life ead&d i n an amount einsurance, qual to 1 time each s yin our an annual amount E equal arningto s t1 o times a maximum annual $ 1,500,00 Earnings. 0. Life insurance pays beneficiary (please see below) a benefit if you die while you are covered. T Th h highlight highlight sheet sheet an an overview overview B Basic asic Life Life AD&D AD&D Insuranc Insurance. e. Once Once a grou group p p policy sued to Jetblue, employer, a certificate a certificate insurance insurance will be will available be available to explain to explain coverage in detail. Y ou are eligible if you are an active Full-time or Part-time Crewmember who works at least 15 hours per week on a regularly scheduled bas. When can I enroll? When it effective? Benefit Reductions As an eligible C rewmember, you are automatically covered by B asic Life AD& D Insurance; you do not have to enroll. If you have not already done so, you must designate a beneficiary as described below. Coverage C goes into effect subject to the terms conditions the policy. You must be actively at atwork with Jetblue employer on the day on the day coverage coverage takes effect. takes effect. C overage will be reduced by 35% at age 65 50% original amount at age 70. All coverage cancels at retirement. What a beneficiary? Y our beneficiary 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 beneficiary when you complete enrollment application; selection legally binding. T he Hartford The Hartford Financial Services Group, Inc. its subsidiaries, including suing companies Hartford L ife Insurance Company Hartford Life Accident Insurance Company. Policies sold in New York are underwritten by Hartford Life Insurance Company. Home Office both companies Simsbury, CT. J etblue Airways Corporation Basic Life BHS Page 1 3

2 AD&D Coverage A D&D provides benefits due to certain injuries or death from an accident. The covered injuries or death can occur up to 365 days after that accident. The insurance pays: 100% the amount coverage you purchase in the event accidental loss life, t wo limbs, the sight both eyes, one limb the sight one eye, or speech hearing in both ears or quadriplegia. 75% for paraplegia or triplegia (paralys three limbs). O ne-half (50%) for accidental loss one limb, sight one eye, or speech or hearing in both ears or hemiplegia. O ne-quarter (25%) for accidental loss thumb index finger the same h or uniplegia. Y our total benefit for all losses due to the same accident will not be more than 100% the amount coverage you purchase. Can I keep my life coverage if I leave my employer? Yes, subject to the contract, you have the option : Converting group life coverage to own individual policy (policies). I If f you leave Jetblue, employer, portability portability an option an option that allows that allows you to you continue to continue life life i insurance coverage. To be be eligible, you must terminate employment prior to to S Social ocial Security Security Normal Normal Retirement Retirement Age Age.. Th Th option option allows allows you you to to continue continue all all or or a p ortion life insurance coverage under separate portability term policy. Pportion ortability subject life insurance to a minimum coverage $5,000 under a separate a maximum portability $ 1,000,00 term policy. 0 a nd does n Portability ot include coverage subject to for a minimum dependent $5,000 s. To elect a portability, maximum you $1,000,000 must apply does pay t not he premium include coverage within 31for days dependents. the termination To elect portability, life insurance. you must Evidence apply insurability pay the premium will notwithin be required. 31 days the termination life insurance. Evidence insurability will not be required. W hat the Living Benefits Option? If you are diagnosed as terminally ill with a 12 m onth life expectancy, you may be eligible t o receive payment a portion life insurance. The remaining amount life insurance would be paid to beneficiary when you die. Important Details A s stard with most term life insurance, th insurance coverage includes certain limitations exclusions: t he amount coverage may be reduced when you reach certain ages. AD&D insurance does not cover losses caused by or contributed by: sickness; dease; 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 war, whether declared or not; i njury sustained while in the armed forces any country or international authority; t aking prescription or illegal drugs unless prescribed for or admintered by a licensed physician; i njury sustained while committing or attempting to commit a felony; the injured person s intoxication. T he Hartford The Hartford Financial Services Group, Inc. its subsidiaries, including suing companies Hartford L ife Insurance Company Hartford Life Accident Insurance Company. Policies sold in New York are underwritten by Hartford Life Insurance Company. Home Office both companies Simsbury, CT. J etblue Airways Corporation Basic Life BHS Page 2 3

3 O Other exclusions may apply depending upon coverage. Once a group policy sued to Jetblue, employer, a certificate a certificate insurance will be available to explain coverage in detail. T Th h benefit benefit highlights highlights sheet sheet an an overview overview the the insurance insurance being being fered fered provided provided for for illustrative illustrative purposes purposes only only n ot contract. It in no way changes or affects the policy as actually sued. Only the insurance policy sued to the policyholder ( not a contract. employer) It can in no fully way describe changes all or affects the provions, the policy terms, as actually conditions, sued. limitations Only the insurance exclusions policy sued insurance to the c policyholder overage. In (Jetblue) the event can any fully difference describe all between the provions, the benefit highlights terms, conditions, sheet limitations the insurance exclusions policy, the terms insurance the insurance coverage. policy In the apply. event any difference between the benefit highlights sheet the insurance policy, the terms the insurance policy apply. T he Hartford The Hartford Financial Services Group, Inc. its subsidiaries, including suing companies Hartford L ife Insurance Company Hartford Life Accident Insurance Company. Policies sold in New York are underwritten by Hartford Life Insurance Company. Home Office both companies Simsbury, CT. J etblue Airways Corporation Basic Life BHS Page 3 3

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5 S VL1_Value Supplemental Life AD&D Insurance T h th text box here. A post process uses the text above to do a "Find/Replace" variable text the header. Template: Life_BHS Supplemental Life AD&D Insurance Benefit Highlights JetBlue Crewmembers Airways Corporation What S upplemental L ife AD&D I nsurance? S upplemental Life AD&D Insurance coverage that you pay for. Supplemental Life AD&D Insurance benefit if you die while you are covered. p ays beneficiary (please see below) a Th highlight sheet an overview Supplemental Life AD&D Insurance. Once e a group policy sued to Jetblue, employer, a certificate a certificate insurance insurance will be will available be available to explain to explain coverage coverage in detail. in detail. Am I eligible? When can I enroll? When it effective? How much S upplemental L ife AD&D Insurance c an I purchase? Y ou are eligible if you are an active Full-time or Part-time Crewmember who works at least 15 hours per week on a regularly scheduled bas. E You Enrollment nrollment can enroll in Supplemental in S within upplemental 31 days Life Life the date AD&D AD&D you Insurance Insuranc have a e change begins begins in 10/16/ /16/201 family status, 4 a nd or ends end within s 31 1 days 10/30/ /30/2014 the. completion A Special Enrollment eligibility in early waiting 2015 period will allow as for stated easy in plan regtration group policy. without evidence insurability. C Coverage goes into effect subject to the terms conditions the policy. You must be actively at work with Jetblue employer on the on day the daycoverage coverage takes effect. takes effect. You can purchase S upplemental Life AD&D Insurance in increments 1 t imes annual E arnings up to 6 times annual E arnings. The T maximum amount you can purchase cannot be more than the t lesser 6 times t r annual a Earnings E s or o r $1,500,000. $ 0. Annual E Earnings s are re a as s defined in The Hartford s Hartford's contract t with Jetblue. employer. L ife insurance must be elected in order to elect accidental death dmemberment (AD&D) insurance. T he Hartford The Hartford Financial Services Group, Inc. its subsidiaries, including suing companies Hartford L ife Insurance Company Hartford Life Accident Insurance Company. Policies sold in New York are underwritten by Hartford Life Insurance Company. Home Office both companies Simsbury, CT. J etblue Airways Corporation Life BHS Page 1 4

6 AD&D Coverage A D&D provides benefits due to certain injuries or death from an accident. The covered injuries or death can occur up to 365 days after that accident. The insurance pays: 100% the amount coverage you purchase in the event accidental loss life, t wo limbs, the sight both eyes, one limb the sight one eye, or speech hearing in both ears or quadriplegia. 75% for paraplegia or triplegia (paralys three limbs). O ne-half (50%) for accidental loss one limb, sight one eye, or speech or hearing in both ears or hemiplegia. O ne-quarter (25%) for accidental loss thumb index finger the same h or uniplegia. Y our total benefit for all losses due to the same accident will not be more than 100% the amount coverage you purchase. I already have S upplemental Life A D&D Insurance c overage; do I have to do anything? A re A m I guaranteed coverage? What a beneficiary? there other limitations to enrollment? If you take no action, coverage coverage for eligible dependents w ill automatically continue with The Hartford subject to the terms the contract. I f you are electing coverage for the first time, or electing to increase current c overage, you will be required to provide evidence insurability that satfactory to The Hartford before coverage can become effective. Y our beneficiary 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 beneficiary when you complete enrollment application; selection legally binding. I f you do not enroll within 31 days first day eligibility, you will be considered a l ate entrant. Typically, late entrants may need to show evidence insurability may be responsible for the cost physical exams or other associated costs if they are required. S pouse Voluntary Life I nsurance ( includes domestic partner) IYou f youmay elect choose Supplemental to purchase Life Spouse AD&D Voluntary Insuranc Life e for Insurance self, in yo increments u may choose $25,000, to p to urchase a maximum S pouse $250,000. Voluntary Life Insurance in increments $ 25,000, to a maximum $ 250,000. Coverage C overage cannot cannot exceed exceed 100% 100% the the amount amount Crewmember C rewmember voluntary/ combined basic v voluntary/supplemental oluntary/supplemental life insurance life life insurance insurance coverage. coverage coverage. You may. not Y You ouelect may may coverage not not elect elect coverage coverage for spouse for for you if r they are s spouse in active if they Full-Time are in active military full-time Full-Time service military or already service covered or or already as a Crewmember covered as as ana under employee th policy. under Crewmember th policy. under th policy. I f spouse confined in a hospital or elsewhere because dability on the date h o r her insurance would normally have become effective, coverage (or an increase in c overage) will be deferred until that dependent no longer confined has performed a ll the normal activities a healthy person the same age for at least 15 consecutive days. I f you are electing coverage for the first time, or electing to increase spouse's current c overage, spouse will need to provide evidence insurability that satfactory to The Hartford before coverage can become effective. T he Hartford The Hartford Financial Services Group, Inc. its subsidiaries, including suing companies Hartford L ife Insurance Company Hartford Life Accident Insurance Company. Policies sold in New York are underwritten by Hartford Life Insurance Company. Home Office both companies Simsbury, CT. J etblue Airways Corporation Life BHS Page 2 4

7 C hild(ren) Voluntary Life Insurance D oes my coverage reduce as I get older? IYou f youmay elect choose Supplemental to purchase Life Child(ren) AD&DVoluntary InsuranceLife for Insurance self, ycoverage o u may choose in the to p amount(s) urchase C hild(ren) $10,000 Voluntary for each Life child Insuranc no medical e c overage information in the amount(s) required. $ 10,000 f or e ach child no medical information required. I f dependent child(ren) confined in a hospital or elsewhere because d ability on the date h or her insurance would normally have become effective, c overage (or an increase in coverage) will be deferred until that dependent no l onger confined has performed all the normal activities a healthy person the same age for at least 15 consecutive days. Your child(ren) must be f rom L ive Birth but not yet age 26 to be covered. C hild(ren) age 26 or older may be covered if they were dabled prior to attaining age 26. W ith respect to Voluntary Life, coverage will be reduced by 35% at age 65 by 50% y our original amount at age 70. With respect to Voluntary AD&D, coverage will be reduced b y 35% at age 65. AD&D coverage terminates at age 70. A ll coverage cancels at retirement. C an I keep my life c overage if I leave my e mployer? Yes, subject to the contract, you have the option : Converting group life coverage to own individual policy (policies). Converting group life coverage to own individual policy (policies). If you leave Jetblue, portability an option that allows you to continue life I insurance f you leavecoverage. employer, To be eligible, portability you must an option terminate that allows employment you to continue prior to life i Social nsurance Security coverage. Normal To Retirement be eligible, Age. you must Th terminate option allows you employment to continue prior all or to a Social Security Normal Retirement Age. Th option allows you to continue all or p portion life insurance coverage under a separate portability term policy. PPortability subject to a minimum $5,000 a maximum $ $1,000,000 0 a does iinclude coverage for r spouse e a child(ren). To elect portability, you must apply y a pay the premium within 31 days the termination life insurance. Evidence Evidence insurability insurability will will not not be be required. required. Dependent spouse portability subject to a maximum $50,000. Dependent child(ren) portability subject to a maximum $10,000. W hat the living benefits option? D o I still pay my life i nsurance premiums if I become dabled? If you are diagnosed as terminally ill with a 12 m onth life expectancy, you may be eligible t o receive payment a portion life insurance. The remaining amount life insurance would be paid to beneficiary when you die. If you become totally dabled before age 60 dability lasts for at least 6 m onths, life insurance premium may be waived. T he premium for dependent s coverage w ill also be waived if you are dabled approved for waiver premium. Coverage for dependents will end if the policy terminates. Important Details As stard with most term life insurance, th insurance coverage includes certain limitations exclusions: the amount coverage may be reduced when you reach certain ages. death by suicide (two years). T he Hartford The Hartford Financial Services Group, Inc. its subsidiaries, including suing companies Hartford L ife Insurance Company Hartford Life Accident Insurance Company. Policies sold in New York are underwritten by Hartford Life Insurance Company. Home Office both companies Simsbury, CT. J etblue Airways Corporation Life BHS Page 3 4

8 AD&D insurance does not cover losses caused by or contributed by: sickness; dease; 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 war, whether declared or not; i njury sustained while in the armed forces any country or international authority; t aking prescription or illegal drugs unless prescribed for or admintered by a licensed physician; i njury sustained while committing or attempting to commit a felony; the injured person s intoxication. O Other exclusions may apply depending upon coverage. Once a group policy sued to Jetblue, employer, a certificate a certificate insurance will be available to explain coverage in detail. T h benefit highlights sheet an overview the insurance being fered provided for illustrative purposes only n Th ot a benefit contract. highlights It in no way sheet changes overview or affects the the policy insurance as actually being fered sued. Only the provided insurance for illustrative policy sued purposes to the only policyholde r ( not a employer) contract. It can in no fully way describe changes allor affects the provions, the policy terms, as actually conditions, sued. limitations Only the insurance exclusions policy sued insurance to the c policyholder overage. In (Jetblue) the event can any fully difference describe between all the the provions, benefit highlights terms, conditions, sheet limitations the insurance exclusions policy, the terms insurance the insurance coverage. policy In the apply. event any difference between the benefit highlights sheet the insurance policy, the terms the insurance policy apply. T he Hartford The Hartford Financial Services Group, Inc. its subsidiaries, including suing companies Hartford L ife Insurance Company Hartford Life Accident Insurance Company. Policies sold in New York are underwritten by Hartford Life Insurance Company. Home Office both companies Simsbury, CT. J etblue Airways Corporation Life BHS Page 4 4