MetLife Term Life Insurance

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1 MetLife Term Life Insurance Effective Date: January 1, 2014 pending underwriting approval if indicated OPTIONAL EMPLOYEE LIFE INSURANCE Optional Life coverage is available to you in the amounts listed under the Schedule of Benefits. OPTIONAL DEPENDENT LIFE INSURANCE Provides coverage on: Your Spouse Child(ren) from 15 days of age up to 19 (to age 25 if wholly dependent upon you for maintenance and support and if enrolled as a full-time student in an accredited school or college). Handicapped children can continue to be covered with no age limit. It is your responsibility to notify payroll in writing when a dependent is ineligible for coverage. Examples of ineligible dependent status are divorce or a child graduates from college. FEATURES The plan features easy eligibility and simple enrollment procedures. Furthermore, automatic payroll deductions simplify paperwork. This means less bookkeeping for you and no worries about a lapse in coverage due to missed payments. Increases in coverage, a re-entry in the plan and participants who enroll beyond 31 days of employment may be required to provide evidence of insurability satisfactory to MetLife. LOW COST Your cost is lower than for comparable insurance on an individual basis due to the wholesale economies inherent in group insurance. Additionally, the system absorbs the cost of administering the program which is underwritten by MetLife - a leader in the field of group coverage. ELIGIBILITY You will be eligible for this program if you are a full-time active employee working at least 30 hours per week. ENROLLMENT Enrollment is simple - just fill out the election card provided by your employer. Make sure you supply all the required information and return the form where you work. That s all. If a Statement of Health was completed, you will be notified as to when coverage starts. WHEN YOUR INSURANCE STARTS Your Basic Employee Life Insurance becomes effective on the date of your eligibility (the first day of the month after you complete 30 days of continuous employment) if you are then actively at work; otherwise, on the day you return to active work. If you enroll for Optional and/or Dependent Life Insurance on or before you become Page 55

2 eligible for coverage, your insurance becomes effective on the date of your eligibility if you are actively at work. If you or a covered dependent are confined in a hospital, not actively at work, or not performing normal daily activities, your insurance will not be effective. You and/or your dependents will become covered when you return to active full-time work, are no longer confined in a hospital, and can perform normal daily activities. Normal daily activities means not confined at home under the care of a doctor for sickness or injury and not entitled to receive any disability income from any source. If you or any dependents do not satisfy the eligibility requirements as described for date of enrollment and for effective date of coverage, that person will not become insured for Optional or Dependent Life Insurance until such person has furnished medical evidence of insurability satisfactory to MetLife. TERMINATION OF COVERAGE All insurance under this plan will terminate with the earliest of the following events: termination upon retirement, termination of employment, plan cessation or withdrawal from the plan. Nevertheless, if you should die within 31 days thereafter, your life insurance will still be paid to the beneficiary. If any of your covered dependents should die within such 31 day period, the amount of Life Insurance on account of such dependent will be paid to you. EXTENDED DEATH BENEFIT With this feature, you ll have death benefit coverage and your premiums will be waived for a period of up to one year following termination of employment, plus 31 days if you are totally disabled. Total disability, or totally disabled, means your inability to do your job and any other job for which you are fit by education, training or experience, due to injury or sickness. Coverage will cease when you reach age 65. IF YOU ELECT THE EXTENDED DEATH BENEFIT PROVISION, YOU WILL GIVE UP THE CONVERSION PRIVILEGE OUTLINED IN THE FOLLOWING PARAGRAPH. CONVERSION You can generally convert your Group Term Life insurance benefits to an Individual Whole Life insurance policy if your coverage terminates in whole or in part due to your retirement, termination of employment, or, a change in your employee class. Conversion is available on all Group Life insurance coverages. If you experience an event that makes you eligible to convert your coverage, you can speak with a MetLife representative by calling: or contact your employer for more information. PORTABILITY Should you leave Alamance-Burlington School System for any reason, and your Optional and Dependent Term Life insurance under this plan terminates, you will have an opportunity to continue group term coverage ( portability ) under a different policy, subject to plan design and state availability. Competitive rates apply, but will likely be higher than your current rates. MetLife will bill you directly. To take advantage of this feature, you must have coverage of at least $10,000 up to a maximum of $2,000,000. Page 56

3 Portability is also available on coverage you ve selected for your spouse/domestic partner and dependent child(ren). The maximum amount of coverage for spouses is $250,000; the maximum amount of dependent child coverage is $25,000. Increases, decreases and maximums are subject to state availability. Generally, there is no minimum time for you to be covered by the plan before you can take advantage of the portability feature. Please see your plan administrator or certificate for specific details. Please note that if you experience an event that makes you eligible for portable coverage, please call a MetLife representative at or contact your employer for more information. Qualifying Events Include: Termination of Employment Retirement Change in employee class which results in the termination of Optional Life Benefits. THE ACCELERATED BENEFIT OPTION (ABO) Metropolitan Life Insurance Company has included an Accelerated Benefit Option (ABO) as part of your group life benefits. Under this option, if you are diagnosed as having a terminal illness, you may be eligible to receive a portion of your group life benefits at such a difficult time. Please refer to your Group Certificate for details. SUICIDE EXCLUSION No Optional Employee Life or Dependent Life Benefits are payable if you or your dependent/s commit suicide within two years from the effective date of the coverage. CLAIMS PROCEDURE Procedures for Presenting Claims for Benefits - Claim forms needed to file for benefits under the group insurance program can be obtained from your employer. The instructions on the claim form should be followed carefully. This will expedite the processing of the claim. Be sure all questions are answered fully. Routine Questions - If there is any question about a claim payment, an explanation can be requested from MetLife, who is usually able to provide the necessary information. Page 57

4 SCHEDULE OF BENEFITS OPTIONAL EMPLOYEE LIFE INSURANCE AND AD&D Your choice of the following amounts: Coverage of $10,000, $20,000, $30,000, $40,000, $50,000, $100,000 OPTIONAL DEPENDENT LIFE INSURANCE COVERAGE Spouse - $10,000 Spouse coverage cannot exceed employee coverage. OPTIONAL CHILD LIFE INSURANCE Child - $5,000 on each of your eligible children Optional Dependent Life Insurance is available only to those eligible employees who are insured for $10,000 Optional Employee Life Insurance. If both husband and wife are employees of the employer only one can cover the dependent children. During subsequent annual enrollment periods, an existing employee can increase their level of coverage by one increment ($10,000 to $20,000, $20,000 to $30,000, $30,000 to $40,000, $40,000 to $50,000 or $50,000 to $100,000) if they have some level of coverage in force, without providing evidence of insurability. New employees have the opportunity to purchase any amount up to the guarantee issue amount of $100,000 without providing evidence of insurability. Existing employees applying for an amount more than one increment will need to provide evidence of insurability as well as employees with no current level of coverage in force. This summary provides an overview of your plan s benefits. These benefits are subject to the terms and conditions of the contract between MetLife and Alamance-Burlington School System and are subject to each state s laws and availability. Specific details regarding these provisions can be found in the booklet certificate. Life coverages are provided under a group insurance policy (Policy Form GPNP99) issued to your employer by MetLife. Life coverages under your employer s plan terminates when your employment ceases when your Life contributions cease, or upon termination of the group contract. Dependent Life coverage will terminate when a dependent no longer qualifies as a dependent. Should your life insurance coverage terminate for reasons other than non-payment of premium, you may convert it to a MetLife individual permanent policy without providing medical evidence of insurability. Page 58

5 Optional Employee Life Insurance Employee Face Amount Monthly Rate $10,000 $2.00 $20,000 $4.00 $30,000 $6.00 $40,000 $8.00 $50,000 $10.00 $100,000 $20.00 Optional Dependent Life Insurance Monthly Rate Spouse Coverage- $10,000 $2.70 Child(ren)- $5,000 $1.00* Family Coverage (Spouse $10,000 & Child(ren) $5,000) *Regardless of the number of children $3.70* This insurance is underwritten by Metropolitan Life Insurance Company, New York, New York L0007BCZ5(exp0803)(xFL,NY,UT)-LD Page 59

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