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LIFE INSURANCE
To protect the ones you love the most
Your utility buys life insurance and accidential death & dismemberment (AD&D) insurance for you. You can buy additional life insurance and/or AD&D insurance. How much insurance coverage you buy is a financial decision…kind of. It’s an emotional decision…sort of. It’s about love and caring and the future…most definitely.
BASIC LIFE AND AD&D
who can enroll?
You - if you are a regular full-time, part-time, seasonal, or limited assignment employee. If you qualify, you are automatically covered.
when will my benefit kick in?
You are covered on the first day you are hired or when you first become eligible for coverage.
how much coverage do i have?
Life insurance coverage: 1x your straight time annual earnings, up to $200,000.
The benefit is paid to your beneficiaries when you lose your life due to illness, work or non-work related accidents.
AD&D coverage: 1x your straight time annual earnings, up to $200,000.
The benefit is paid to your beneficiaries when you lose your life due to work or non-work related accidents. Partial benefits may be paid to you if you lose a limb, your speech, sight, or hearing.
WHO PAYS FOR IT?
Your utility pays for basic life and AD&D insurance in full.
supplemental life and AD&D
who can enroll?
You - if you are a regular full-time, part-time, seasonal, and limited assignment employee.
Your family - your spouse, domestic partner, and dependent children up to age 26. You must buy life and/or AD&D insurance for yourself if you want to enroll a family member.
when can i enroll?
Life insurance coverage: If you enroll within 31 days of being hired or promoted into an eligible position, you are guaranteed life insurance coverage without medical questions asked:
You - your guaranteed issue amount is $200,000.
Your spouse - his/her guaranteed issue amount is $25,000.
You can buy coverage exceeding the amount guaranteed to you with proof of good health (evidence of insurability). The maximum life insurance amount you can buy for yourself and your spouse is $500,000 or 5x your annual earnings, whichever is less.
You can enroll later, but any life insurance coverage amount purchased outside benefits open enrollment will require evidence of insurability.
AD&D insurance coverage: You can enroll in AD&D insurance at anytime. The maximum AD&D insurance amount you can buy for yourself and your spouse is $500,000 or 5x your annual earnings, whichever is less. Evidence of insurability is not required for AD&D coverage.
how much is it going to cost me?
It depends how much coverage you buy. Life insurance premiums are based on your age and go up as you get older.
when will my benefit kick in?
You are covered on the first day you are hired or when you first become eligible for coverage, the date you complete the enrollment form, or when evidence of insurability form is approved (if applicable), whichever is later.
RELIANCE STANDARD information
SUMMARIES:
Basic Life and AD&D Insurance
Supplemental Life Insurance
Supplemental AD&D Insurance
CERTIFICATES
Basic Life and AD&D Insurance certificates:
Supplemental Life Insurance certificates:
Supplemental AD&D Insurance certificates:
who can enroll?
You - if you are an active employee, working at least 30 hours each week.
when can i enroll?
Life insurance coverage: If you enroll within 31 days of being hired or promoted into an eligible position, you are guaranteed life insurance coverage without medical questions asked:
You - your guaranteed issue amount is 200% of your basic annual earnings or $75,000, whichever is less.
You can enroll later, but any life insurance coverage amount will require evidence of insurability.
AD&D insurance coverage: You can enroll in AD&D insurance at anytime. The maximum AD&D insurance amount you can buy for yourself is 200% of your basic annual earnings or $75,000, whichever is less.
how much is it going to cost me?
It depends how much coverage you buy. Life insurance premiums are based on your age and go up as you get older. The utility pays 80%, you pay 20% of the premium.
Standard information
who can enroll?
You - if you are a regular full-time employee.
Your family - your spouse and dependent children.
when can i enroll?
You can enroll in AD&D insurance at anytime.
Your $100,000 AD&D coverage is paid in full by the utility.
how much is it going to cost me to enroll my family?
It depends who you cover:
Spouse only: $2.90/month
Spouse benefit is $50,000Spouse and children: $2.90/month
Spouse benefit is $40,000 and each eligible dependent benefit is $5,000Children only: $0.70/month
Each eligible dependent benefit is $5,000
