Additional Life Insurance FOR EMPLOYEES OF NORTH THURSTON PUBLIC SCHOOLS
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1 Additional Life Insurance FOR EMPLOYEES OF NORTH THURSTON PUBLIC SCHOOLS Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY
2 About This Booklet This booklet is designed to answer some common questions about the group Additional Life insurance coverage being offered by your employer to eligible employees. It is not intended to provide a detailed description of the coverage. If coverage becomes effective and you become insured, you will receive a group insurance certificate containing a detailed description of the insurance coverage including the definitions, exclusions, limitations, reductions and terminating events. The controlling provisions will be in the group policy issued by Standard Insurance Company. Neither the certificate nor the information presented in this booklet modifies the group policy or the insurance coverage in any way. If you have additional questions, please contact your human resources representative. Please note that defined terms and provisions from the group policy are italicized in this booklet. Features of the group Additional Life coverage may vary by state.
3 Group Additional Life Insurance It s not easy to think about, but what if you suddenly died? Your family could be faced with house payments, unpaid bills, childcare and other expenses just to maintain their current lifestyle. Could your family live without your income? Would your family be able to cover the medical expenses associated with a terminal illness or with burial and funeral expenses? You make a great investment in your family. You spend time with them. You care for them. You work for them. And if you re not there for them, you want them protected. Your employer provides you with a basic amount of Group Life insurance to help protect your loved ones in the event of your death. Since every employee s needs are different, your employer also provides you with the opportunity to apply for Additional Life insurance from The Standard. The advantages to you and your loved ones include: Choice - You decide how much coverage you need from the range of amounts available. Flexibility - If your needs change, you can request to change the amount of coverage. Increases in coverage require evidence of insurability. Convenience - With premiums deducted directly from your paycheck, you don t have to worry about mailing monthly payments. Peace of Mind - You can take comfort and satisfaction in knowing that you have done something positive for your family s future. Commonly Asked Questions The following information provides details to give you a better understanding of group Additional Life insurance available from The Standard. Am I eligible for this coverage? To be eligible for this plan you must be insured for group Basic Life coverage with The Standard. When does my insurance go into effect? The effective date of your coverage depends on when you become an eligible member, when you apply and whether you are required to provide evidence of insurability. If you are not required to provide evidence of insurability, and you apply and agree to pay premiums, your Additional Life coverage becomes effective on the date you become eligible if you apply on or before that date. If you are required to provide evidence of insurability, and you apply and agree to pay premiums, your Additional Life coverage becomes effective on the date The Standard approves your evidence of insurability. In every case, you must meet the active work requirement before your insurance becomes effective. Group Additional Life Insurance 1
4 What is the active work requirement? Active work means performing with reasonable continuity the material duties of your own occupation at your employer s usual place of business. You must be capable of active work on the day before the scheduled effective date of your insurance or your insurance will not become effective as scheduled. If you are not actively at work on the day before the scheduled effective date of insurance, your insurance will not become effective until the day after you complete one full day of active work as an eligible employee. How much coverage may I get for myself? Eligible employees may elect Additional Life coverage in the amount of $25,000, $50,000 or $100,000. All late applications and requests for coverage increases are subject to medical underwriting approval. How much coverage do I need? It can be difficult to determine the amount of insurance you need. Each family has its own unique set of circumstances, combined with needs that may arise with the unexpected loss of life. Use the worksheet below in calculating the amount of life insurance coverage you may need. The final total is the amount of Additional Life insurance you might want to consider applying for to meet your obligations. Once you determine how much coverage you need, complete the Enrollment Form within your enrollment packet and submit it to your human resources department. 2 Standard Insurance Company
5 Additional Life Insurance Worksheet Immediate Needs You Your Spouse Medical and hospital expenses $ $ Funeral/Burial expenses Loans/Debts requiring payment upon death Taxes: Federal and state income taxes Property taxes Federal and state estate taxes Long Term Needs Mortgage $ $ Debts (credit cards, car and student loans, etc.) Educational/Vocational fund Childcare expenses Emergency fund for unforeseen expenses Income Replacement Consider the income needed to support your family and the number of years they will need that support. $ $ Total Income Needs Add together all of the above. $ $ Available Resources Existing life insurance coverage $ $ Other assets such as 401(k), stocks, bonds, etc. Total Additional Life Insurance Needed Subtract the amount of your available resources from your total income needs. $ $ How much will the Additional Life coverage cost me? Use the following rates to determine the monthly premium for your Additional Life coverage: Employee age on October 1st Monthly payroll deduction for: $25,000 $50,000 $100,000 < $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $86.44 Group Additional Life Insurance 3
6 Will I have to provide information regarding my medical history? If you apply more than 31 days after becoming eligible to apply or if you determine that you need more insurance, satisfactory evidence of insurability is required. You will need to complete and submit a Medical History Statement. In some cases, we may request additional medical information or a physical exam. Evidence of insurability is also required for reinstatement of terminated coverage and for members eligible but not insured under prior life insurance plans. How do I apply for Additional Life insurance coverage? To apply for Additional Life insurance, complete the Enrollment Form in your enrollment packet, place it in a confidential envelope and submit it to your human resources department. You can apply at any time, but remember if you apply more than 31 days after becoming eligible, satisfactory evidence of insurability is required. Coverage subject to evidence of insurability is not effective until approved by The Standard. How are benefits paid? For amounts of less than $25,000, The Standard issues a check to each designated beneficiary. The Standard pays amounts of $25,000 or more to each designated beneficiary by depositing funds into Standard Secure Access a convenient, no fee, interest-bearing draft account. With Standard Secure Access, each beneficiary receives a personalized checkbook and has complete control of the account. Beneficiaries can write checks as needed or for the full amount. This arrangement allows beneficiaries to earn competitive interest rates on their benefits while they take the necessary time to consider financial decisions and evaluate their choices. Will insurance benefits be reduced as I grow older? Under this plan, coverage reduces 35 percent at age 65, 50 percent at age 70, and 65 percent at age 75. If you are age 65 or over, ask your human resources representative for the amount of coverage available. What happens if I become totally disabled and can t work? The Standard will continue your Additional Life insurance without premium payments if you: Become totally disabled while insured under the group policy Are under the age of 60 Complete the waiting period Provide The Standard with satisfactory proof of total disability The Waiver of Premium provision does not apply to AD&D insurance. What happens if I become terminally ill? Under the Accelerated Benefit provision, you may be eligible to receive up to 75 percent of your Additional Life insurance coverage if you become terminally ill, have a life expectancy of less than 24 months and meet other eligibility requirements. 4 Standard Insurance Company
7 This benefit allows you to use the proceeds as you desire whether to cover medical expenses or to maintain your quality of life. The amount of Additional Life insurance payable upon your death is reduced by the Accelerated Benefit paid and an interest charge. However, to help protect your beneficiaries, The Standard will pay at least 10 percent of the original Additional Life coverage amount at that time even if interest charges on the accelerated amount would have exhausted the remaining benefits over time. When does coverage end? Additional Life coverage ends automatically on the earliest of the following: The date the last period ends for which a premium was paid for your Additional Life insurance (except if premiums are waived while totally disabled, if applicable) The date your employment terminates The date your group Basic Life insurance ends The date the group policy terminates The date Additional Life insurance terminates under the group policy The date you cease to be a member; however, insurance may continue for limited periods under certain circumstances If my Additional Life insurance ends or is reduced, may I convert to an individual policy? If your Additional Life insurance from The Standard ends or is reduced for any reason other than failure to pay premiums, you may be able to convert the terminated coverage to certain types of individual life insurance policies without providing evidence of insurability. You must apply for conversion and pay the required premium within 31 days after group coverage ends or is reduced. May I buy group life coverage after I leave my employer? If your insurance ends because your employment terminates, you may be eligible to buy group life insurance from The Standard through the Portability provision, assuming you meet the eligibility requirements. Please see your human resources representative for additional information. This option is not available in all states and is subject to state variations. What if I have additional questions? If you have any additional questions, please contact your Benefits Specialist Shannie Brinton at (360) or About Standard Insurance Company Standard Insurance Company has earned a solid reputation for its quality products, expert resources, superior service, steady growth, innovation and strong financial performance. Founded in 1906, The Standard is a leader in the group disability and life insurance market, while also offering individual disability, group dental and retirement plans for groups and individuals. Group Additional Life Insurance 5
8 Standard Insurance Company 1100 SW Sixth Avenue Portland OR A subsidiary of StanCorp Financial Group, Inc. SI 10391D (8/10) GP190-LIFE, GP399-LIFE/TRUST
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