# PROTECT THE LIFE THEY LIVE TODAY Increase coverage during open enrollment October 30, November 13, 2015

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1 Group Optional Term Life and AD&D Insurance For Employees of the City of Baltimore 2016 Plan Year PROTECT THE LIFE THEY LIVE TODAY Increase coverage during open enrollment October 30, November 13, 2015 Details on page 2 Underwritten by Minnesota Life Insurance Company

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5 To estimate the amount of life insurance you need, you ll want to determine what you must protect in the event of your death. Once you determine how much coverage you need and are ready to enroll, log onto Assets and Income What would be available to your family now, if you weren t here to provide for them? Spouse/Domestic Partner s annual income x number of years to age 65 Cash, savings bonds, stocks, securities (current value) Company savings plan (401(k), 403(b), other) Cash value of life insurance Other assets* or income (other than your own) *Equity in your home, if you plan to sell or borrow against it for cash. Basic Necessities What basic needs do you and your family have? (multiply the items below by the number of years required, if applicable) Home remaining mortgage or rent (120 months is a basic rule of thumb) Annual household operating expenses (utilities, food, clothing, insurance, repairs, property taxes, etc.) Childcare Health health insurance premiums or medical/hospital expenses not covered by insurance Debt balances on credit cards, car loans, etc. A = B = Comfort Zone What kind of special or one-time expenses may come along? Tuition Wedding New residence Elder care x number of years Estate taxes, probate fees, attorney fees Emergency fund Funeral expenses (average is \$5,000 - \$10,000) Golden years (money put aside for survivor s retirement) Complete the Equation Complete the equation that most closely reflects your particular needs: C = Basic Necessities B - A = (Compare to current Life Insurance amount) Comfort Zone (B + C) - A = (Compare to current Life Insurance amount) Remember, your calculation is based on today s costs and doesn t account for inflation or changes in annual earnings. Review your needs periodically to ensure that your needs will be met now and in the future.

6 What is the cost for coverage? Use the following rates to determine the monthly premium for your Optional Life and AD&D coverage. Please note rates increase with age. Employee age on January 1 Rate per \$1,000 of total Optional Life coverage Rate per \$1,000 of total Optional Life and AD&D coverage Under 30 \$0.057 \$ and over Rates are subject to change. Calculate your costs Now calculate the cost for your own coverage elections Monthly premium for Optional Life coverage \$ \$1,000 = x \$ = \$ Elected amount Units Rate per \$1,000 from table Estimated monthly premium Monthly premium for Optional Life and AD&D coverage \$ \$1,000 = x \$ = \$ Elected amount of AD&D coverage equal to life amount Units Rate per \$1,000 from table Estimated monthly premium Premiums are deducted from your paycheck on an after-tax basis, so you don t have to worry about missing a payment.

7 How do I apply for Optional Life and AD&D insurance coverage? To enroll, log onto within 60 days of your date of hire, 60 days of your change in family status, or during the City of Baltimore s Annual Open Enrollment. Follow the prompts regarding the Optional Life and AD&D insurance. Certificates of coverage will be available on These will contain information regarding your coverage provisions. Is a medical exam required for new coverage? No. If coverage is elected online within 60 days of your hire date or within 60 days of becoming a benefit eligible employee, you will qualify for a guaranteed amount of insurance. This means that you will not have to answer medical questions, also referred to as proof of good health. If you do not elect coverage online within 60 days of your hire date or within 60 days of becoming a benefit eligible employee, you will only be able to elect coverage during the City of Baltimore s Annual Open Enrollment or as the result of a family status change. Family Status Change: If you have a family status change, you may be eligible to elect an increase in your coverage in the amount of one times your salary without answering medical questions if elected within 60 days. Yes. If your situation does not fit into one of the above categories, you may be subject to answering medical questions. If you terminate Optional Term Life coverage while you are eligible, and decide to re-apply, you must provide Evidence of Insurability.

9 Frequently asked questions AD&D insurance How does AD&D insurance work? The amount of this AD&D insurance benefit for loss of life is equal to the amount payable for Optional Life insurance coverage on the date of the accident. The amount of this AD&D insurance benefit for other covered losses is a percentage of the amount payable for Optional Life insurance coverage on the date of the accident, as shown below: Loss Percentage payable One hand or one foot 50% Sight in one eye, speech or hearing in both ears 50% Two or more of the losses listed above 100% Thumb and index finger on the same hand 25% Quadriplegia 100% Hemiplegia 50% Paraplegia 75% The loss must occur due to an accident and independently of all other causes within 365 days after the accident. Loss of life must be evidenced by a certified copy of the death certificate. All other losses must be certified by a physician in the appropriate specialty as determined by us. What additional benefits are associated with AD&D coverage? The AD&D coverage includes the following additional benefits when an AD&D insurance benefit is payable: Seat Belt Benefit. The Seat Belt Benefit provision provides an additional benefit in the event you die as a result of an automobile accident and you were properly wearing and using a seat belt system. Air Bag Benefit. The Air Bag Benefit provides an additional benefit in the event you die as a result of an automobile accident for which a Seat Belt Benefit is payable and the automobile is equipped with an air bag system which deployed as evidenced by a police accident report and you were seated in the driver s or passenger s seat intended to be protected by the air bag system. Family Benefits Package. The Family Benefits Package includes the Child Care Benefit, Higher Education Benefit and Career Adjustment Benefit. It provides your eligible family members with additional financial help for childcare, college or career training. Occupational Assault. The Occupational Assault provision provides an additional benefit if you suffer death or dismemberment as a result of an act of workplace physical violence that is punishable by law. Public Transportation. The Public Transportation provision provides an additional benefit in the event of death as a result of an accident that occurs while you are riding as a fare-paying passenger on public transportation. What are the AD&D exclusions? AD&D insurance benefits are not payable for death or dismemberment caused or contributed to by: War or act of war, declared or undeclared, whether civil or international, and any substantial armed conflict between organized forces of a military nature Suicide or other intentionally self-inflicted injury, while sane or insane Committing or attempting to commit an assault or felony, or actively participating in a violent disorder or riot Voluntary use or consumption of any poison, chemical compound, alcohol or drug, unless used or consumed according to the directions of a physician Sickness or pregnancy existing at the time of the accident Heart attack or stroke Medical or surgical treatment for any of the above

11 About Minnesota Life Minnesota Life is one of the country s largest group life insurers.* We understand the important role we play in the financial well-being of the nearly six million employees we insure nationwide. We are highly rated by the independent rating agencies that analyze the financial soundness and claims-paying ability of insurance companies. For more information about the rating agencies and to see where our ratings rank compared to other ratings, please visit * Leading writers of group life insurance based on 2013 insurance in force, as reported by A.M. Best in August 2014.

12 This is a summary of plan provisions related to the insurance policy issued by Minnesota Life to the City of Baltimore. In the event of a conflict between this summary and the policy and/or certificate, the policy and/or certificate shall dictate the insurance provisions, exclusions, all limitations and terms of coverage. All elections or increases are subject to the actively at work requirement of the policy. Request early payment of up to 100 percent of your life insurance amount, up to a maximum of \$500,000 Optional Term Life insurance. Securian Financial Group, Inc. 400 Robert Street North St. Paul, MN Insurance products are underwritten by Minnesota Life Insurance Company, an affiliate of Securian Financial Group, Inc. Products are offered under policy form series number MHC Securian Financial Group, Inc. All rights reserved. F Rev DOFU

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