Group Voluntary Life Insurance
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1 Group Voluntary Life Insurance F O R R E T I R E D M E M B E R S O F T H E S TAT E O F N E VA D A PUBLIC EMPLOYEES BENEFITS PROGRAM Answers to your questions about coverage from Standard Insurance Company S TA N D A R D I N S U R A N C E C O M PA N Y
2 About This Booklet This booklet is designed to answer some common questions about the group Voluntary Life insurance coverage being offered by the State of Nevada Public Employees Benefits Program (PEBP) to eligible retirees. It is not intended to provide a detailed description of the coverage. If you become insured, you may access a group insurance certificate containing a detailed description of the insurance coverage including the definitions 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 brochure modify the group policy or the insurance coverage in any way. If you have additional questions, please go to or call Please note that defined terms and provisions from the group policy are italicized in the following material.
3 Group Voluntary Life Insurance The time you spend with your family is priceless, and you wouldn t trade those special moments together for anything in the world. But what would happen if you suddenly died? Would they have the funds to pay bills, your home mortgage, burial and funeral expenses? Would they be able to live on one income and maintain their current lifestyle? What about medical expenses associated with a terminal illness? Would your family be financially prepared? By sponsoring group Voluntary Life insurance from Standard Insurance Company, the State of Nevada Public Employees Benefits Program offers you an excellent opportunity to help protect your loved ones. 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 PERS retirement check, you don t have to worry about mailing monthly premiums. Savings - Typically, group insurance rates are lower than the rates of individual insurance plans, generally providing you with coverage at a lower cost. 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 Voluntary Life insurance available from The Standard. Am I eligible for this coverage? To be a member and eligible for Voluntary Life coverage, you must be a participant in State of Nevada Public Employees Benefits Program Medical Plan or a participant in a Medicare supplement plan through PEBP s Medicare provider, covered under the PEBP sponsored Basic Life Plan, and one of the following: A retiree of the policyholder who is receiving any distribution of benefits from the Public Employees Retirement System (PERS), judges retirement system, legislators retirement system, or the retirement program for professional employees offered by or through the Nevada System of Higher Education per NAC ; or A retiree who is eligible to join PEBP upon retirement pursuant to NRS You are not eligible if you are a retiree who is a reinstated retiree per NRS , a surviving spouse/domestic partner, a full-time member of the armed forces of any country, or a retiree who initially opted out of the policyholder sponsored medical plan (this will not apply to a retiree who initially opted out of the policyholder sponsored medical plan due to participation in the PPO Value Plan). Group Voluntary Life Insurance 1
4 What amount of Basic Life coverage does the State of Nevada Public Employees Benefits Program provide to me? If you meet the eligibility requirements listed above the State of Nevada Public Employees Benefits Program provides you with $12,500 of Basic Life coverage from The Standard. If you qualify for Basic Life, you may also apply for Voluntary Life coverage to supplement your Basic Life amount. When does my insurance go into effect? Your Voluntary Life coverage effective date depends on when you become an eligible member, when you apply and whether you are required to provide evidence of insurability. You must apply and agree to pay premiums. If you are not required to provide evidence of insurability, your Voluntary Life coverage becomes effective on: The date you become eligible as a retiree, if you apply on or before that date; or The date you apply, if you apply within 60 days after you become eligible as a retiree. If you are required to provide evidence of insurability, your Voluntary Life coverage becomes effective on the date The Standard approves your evidence of insurability. How much coverage do I need? It can be difficult to determine the amount of life 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 on page 4 in calculating the amount of life insurance coverage you may need. The final total is the amount of Life insurance you might want to consider applying for to meet your obligations. How much coverage can I get for myself? You may elect Voluntary Life coverage in units of $5,000, to a maximum of $50,000. If you want to become insured for an amount of Voluntary Life insurance greater than the guarantee issue amount of $10,000, then you must provide satisfactory evidence of insurability. This means you will have to answer medical questions or provide additional medical information or take a physical exam to purchase coverage in excess of $10,000. What if I apply late? Requests for coverage increases and late applications require you to provide satisfactory evidence of insurability. 2 Standard Insurance Company
5 How much will the Voluntary Life coverage cost me as a Retiree? The monthly premium rates for the group Voluntary Life coverage are indicated below. Schedule Cost Multiples of $5,000 to a maximum of $50,000 of Voluntary Life insurance... See Table Below Retiree Age as of July 1 Rate per $1,000 of coverage Age 49 and under... $0.53 Age 50 to $0.64 Age 55 to $0.98 Age 60 to $1.47 Age 65 to $2.43 Age 70 to $3.55 Age 75 to $5.82 Age 80 to $7.69 Age 85 to $17.62 Age 90 to $29.97 Age 95 and above.... $39.70 To calculate the monthly premium for your Voluntary Life coverage, use the above rates and the formula given below. You may also access a premium calculator at 1. Enter amount of Voluntary Life coverage desired.... $ 2. Divide Line 1 by 1, Select your rate from the rate table above Multiply Line 2 by Line 3 for your estimated monthly premium.... 1,000 The amount shown on the last line is the estimated monthly premium for your coverage. Premiums for your Voluntary Life coverage will be deducted from your monthly PERS retirement check. Group Voluntary Life Insurance 3
6 Life Insurance Worksheet Consider the amount needed to support your family and the number of years that support is needed. Immediate Needs 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.... $. 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 Life Insurance Needed Subtract the amount of your existing life insurance coverage and other assets from your total income needs.... $. Will I have to provide information regarding my medical history? Evidence of insurability is required: To become insured for more than $10,000 of Voluntary Life insurance, if you apply within 60 days of the date of your retirement. To become insured for any amount of Voluntary Life Insurance, if you apply more than 60 days after your retirement. For elective increases. 4 Standard Insurance Company
7 How are benefits paid? For benefit amounts less than $10,000, The Standard issues a check to each designated beneficiary. The Standard pays amounts of $10,000 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? Your Voluntary Life coverage will not reduce because of age. Are there any other benefits with the Voluntary Life coverage from The Standard? The Standard pays an additional benefit, the Repatriation Benefit, if you die more than 200 miles from your primary place of residence. The Standard will pay for expenses incurred to transport your body to a mortuary near your primary place of residence, but not to exceed $5,000 or 10 percent of the Life Insurance Benefit, whichever is less. Travel Assistance 1 This service provides you and your dependents with access to appropriate medical care and other emergency services when traveling at least 100 miles from home or in foreign countries for up to 180 days. Travel Assistance also offers a range of professional, 24-hour medical, legal and trip assistance information and coordination services to help your travel go smoothly. Life Services Toolkit Resources and tools to help you and your beneficiary meet life s challenges after a loss. Online tools and services can help you create a will, make advance funeral plans and put your finances in order. The Life Services Toolkit is automatically available to those insured under a Group Life insurance policy from The Standard. Recipients of an Accelerated Benefit can access services for 12 months after the date of payment. Life insurance Beneficiaries 2 can access services for 12 months after the date of death. Visit the Life Services Toolkit website for more information and tools to help you make important life decisions. with the username assurance 1 Travel Assistance is provided through an arrangement with a service provider, which is not affiliated with The Standard. Travel Assistance is not an insurance product in all states, except in the state of Oregon. For more information, visit 2 The Life Services Toolkit is not available to Life insurance Beneficiaries who are minors or to non-individual entities such as trusts, estates or charities. Group Voluntary Life Insurance 5
8 What are the exclusions for Voluntary Life Insurance? Voluntary Life has no exclusions. When does coverage end? Voluntary Life coverage ends automatically on the earliest of the following: The date your Basic Life insurance ends; The last day for which premium was paid for your Voluntary Life insurance; The date the group policy terminates or is amended to terminate coverage for your class; The date you cease to be a member ; and The last day of the calendar month in which your employer ceases to participate under the group policy or under Standard Insurance Group Policy A. If my Voluntary Life insurance ends or reduces, may I convert to an individual policy? If your Voluntary Life insurance from The Standard ends or reduces for any reason other than failure to pay premiums, the Right to Convert provision allows you to convert your Voluntary Life coverage to certain types of individual life insurance policies without having to provide evidence of insurability. You must apply for conversion and pay the required premium within 31 days after group coverage ends or reduces. What is the process for designating a beneficiary? The Standard administers the beneficiary designations for the Basic Life and Voluntary Life insurance sponsored by the State of Nevada Public Employees Benefits Program. The beneficiary designation applies to Basic Life and Voluntary Life insurance under the Group Insurance Policy. A beneficiary designation may be made without electing Voluntary Life insurance. All participants are asked to update beneficiary records by completing the Beneficiary Designation, which can be accessed at If you do not name a beneficiary, or if you are not survived by one, benefits will be paid in equal shares to the first surviving class of classes below: 1. Your spouse/domestic partner. 2. Your children. 3. Your parents. 4. Your brothers and sisters. 5. Your estate. 6 Standard Insurance Company
9 How do I apply for Voluntary Life insurance coverage? To apply for Voluntary Life insurance, complete the Enrollment Form that accompanies this booklet and mail it to: State of Nevada Life Insurance Team Mestmaker Insurance Services P.O. Box 2302 Bakersfield, CA Coverage subject to evidence of insurability is not effective until approved by The Standard. What if I have additional questions? If you have any additional questions or for more information about how to apply for this important coverage, please contact or access RETIREE MONTHLY PREMIUM RATE CHART Rates Effective: July 1, 2006 Amount 49 and Under and Over $5,000 $2.65 $3.20 $4.90 $7.35 $12.15 $17.75 $29.10 $38.45 $88.10 $ $ $10,000 $5.30 $6.40 $9.80 $14.70 $24.30 $35.50 $58.20 $76.90 $ $ $ $15,000 $7.95 $9.60 $14.70 $22.05 $36.45 $53.25 $87.30 $ $ $ $ $20,000 $10.60 $12.80 $19.60 $29.40 $48.60 $71.00 $ $ $ $ $ $25,000 $13.25 $16.00 $24.50 $36.75 $60.75 $88.75 $ $ $ $ $ $30,000 $15.90 $19.20 $29.40 $44.10 $72.90 $ $ $ $ $ $1, $35,000 $18.55 $22.40 $34.30 $51.45 $85.05 $ $ $ $ $1, $1, $40,000 $21.20 $25.60 $39.20 $58.80 $97.20 $ $ $ $ $1, $1, $45,000 $23.85 $28.80 $44.10 $66.15 $ $ $ $ $ $1, $1, $ 50,000 $26.50 $32.00 $49.00 $73.50 $ $ $ $ $ $1, $1, Group Voluntary Life Insurance 7
10 About Standard Insurance Company The State of Nevada Public Employees Benefits Program has chosen Standard Insurance Company to provide group Voluntary Life coverage to eligible retirees. The Standard has earned a solid reputation for its quality products, superior customer service, expert resources, steady growth, innovation and strong financial performance. Founded in 1906, The Standard has developed a nationwide presence in the employee benefits industry, providing customers with group and individual disability insurance and retirement plans, and group life and dental insurance. Just as others count on you, you can count on The Standard for Voluntary Life insurance for your time of need. Standard Insurance Company 1100 SW Sixth Avenue Portland OR A subsidiary of StanCorp Financial Group, Inc. SI (3/16)
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