Group Additional Life Insurance
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1 Group Additional Life Insurance Answers To Your Questions About Coverage From The Standard Standard Insurance Company
2 About This Booklet This booklet is designed to answer some common questions about the group Additional Life insurance coverage offered to the eligible employees in your company. It is not intended to provide a detailed description of the coverage. Features of the coverage may vary by state. Refer to the Coverage Highlights for additional details of the plan. If coverage becomes effective and you become insured, you will receive a 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. Neither this booklet nor the certificate modify the group policy or the insurance coverage in any way.
3 Additional Life Insurance Features It s not easy to think about, but what if you suddenly died? 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? Your employer provides you with a basic amount of Group Life insurance to help safeguard your loved ones in the event of your death. Since every employee s needs are different, your employer also offers you the opportunity to apply for Additional Life insurance from The Standard. Advantages of Additional Life insurance: Choice - You decide how much coverage you need from the range of amounts available. The Coverage Highlights provides you with additional details of the plan. Flexibility - If your needs change, you may 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 the Additional Life insurance available from The Standard. What Is The Effective Date Of This Plan? Before the Additional Life coverage takes effect, a minimum number of eligible employees in your company must apply and qualify. This level of participation has been agreed upon by your employer and The Standard. If the minimum participation requirement is met and the Additional Life coverage goes into effect, the effective date of your coverage depends upon when you become a 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; or The date you apply if you apply within 31 days after you become eligible. Refer to the Coverage Highlights for information on the eligibility waiting period and when you become eligible for insurance. 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. 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. 3
4 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 to guide you in calculating the amount of Additional life insurance you may need. The final total is the amount of 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 in your enrollment packet and submit it to your human resources department. Immediate Needs You Your Spouse Medical and hospital expenses $ $ Funeral/burial expenses Taxes Federal and state income taxes Property taxes Federal and state estate taxes Loans/debts requiring payment upon death 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 that support is needed. $ $ Total Income Needs Add all of the above. $ $ Available Resources Existing Life insurance coverage $ $ Other assets such as 401(k), stocks, bonds, etc. Total Available Resources Add all of your available resources. $ $ Additional Life Insurance Needed Subtract the amount of your total available resources from your total income needs. $ $ 4 Standard Insurance Company
5 Will I Have To Provide Information Regarding My Medical History? If you apply for Additional Life insurance within 31 days of becoming eligible and you meet the active work requirement, you will automatically qualify for up to a set amount of insurance coverage called the guarantee issue amount. This means that you will not have to answer medical questions to purchase coverage up to this amount. Check the Coverage Highlights for your guarantee issue amount. If the date you apply is more than 31 days after you become eligible or if you determine that you need more insurance than the guarantee issue amount, 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 Are Benefits Paid? Our goal is to make the claims experience as easy as possible and to pay benefits to entitled individuals in a timely, accurate and sensitive manner. Depending upon the approved claim amount, The Standard may either issue a check to your designated beneficiary as a lump-sum payment or deposit the funds into a Standard Secure Access account. With Standard Secure Access a convenient, nofee, interest-bearing draft account 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 interest on their benefits while they take time to consider financial decisions and evaluate their choices. WIll Insurance Benefits Be Reduced As I Grow Older? Typically, beginning at the age of 65, insurance benefits are reduced to a percentage of the scheduled amount. Refer to the Coverage Highlights for any age reduction schedule. What Happens If I Become Totally Disabled And Can t Work? If you become totally disabled while you are insured, insurance may be continued without premium. Refer to the Coverage Highlights for additional information. What Happens If I Become Terminally Ill? Under the Accelerated Benefit provision, you may be eligible to receive up to 75 percent, or a maximum of $500,000, of your combined basic Group Life and Additional Life insurance coverage if you become terminally ill, have a life expectancy of less than 12 months and meet other eligibility requirements. 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 paid under the combined Accelerated Benefit provision including an interest charge would reduce the amount of basic Group Life and Additional Life insurance payable upon your death. However, to help protect your beneficiaries, The Standard would pay at least 10 percent of the original basic Group Life and Additional Life coverage amount at that time. 5
6 If My Additional Life Insurance Ends Or Reduces, May I Convert To An Individual Policy? You may be able to convert the terminated coverage to an individual Life insurance policy without providing evidence of insurability. May I Buy Group Life Coverage After I Leave My Employer? If you leave your employment, you may be able to buy Life insurance from The Standard through the Portability provision, assuming you meet the eligibility requirements. Refer to the Coverage Highlights for the amounts you may be able to purchase. This option is not available in all states. What Exclusions Apply To This Coverage? See the Coverage Highlights for plan exclusions. When Does My Coverage End? Additional Life coverage ends automatically on the earliest of the following: The last day of the last period for which you make a premium contribution (except if premiums are waived while totally disabled, if applicable) The date your employment terminates The date the group policy terminates or the date the employer terminates Additional Life coverage under the group policy The date you cease to be a member (insurance may continue for limited periods under certain circumstances) The date your employer ceases to participate under the group policy, if applicable How Do I Apply? To apply for the Additional Life insurance coverage, complete the Enrollment Form in your enrollment packet, place it in a confidential envelope and submit it to your human resources department. Additional Questions? If you have any additional questions, please contact your human resources representative. 6 Standard Insurance Company
7 For more than 100 years we have been dedicated to our core purpose: to help people achieve financial security so they can confidently pursue their dreams. We have earned a national reputation for quality products and superior service by always striving to do what is right for our customers. Headquartered in Portland, Oregon, The Standard is a nationally recognized provider offering group Disability, Life, Dental and Vision insurance. We provide insurance to nearly 26,000 groups covering more than 8.5 million employees nationwide.* Our first group policy, written in 1951 and still in force today, stands as a testament to our commitment to building long-term relationships. To learn more about The Standard visit us at For more information on group Additional Life Insurance from The Standard, contact your human resources department. * As of January 31, 2010, based on internal data developed by Standard Insurance Company. Standard Insurance Company 1100 SW Sixth Avenue Portland OR GP190-LIFE/S399, GP399-LIFE/TRUST, GP899-LIFE, GP190-LIFE/A997/S399 SI (5/10) EE
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