Voluntary Life Insurance FOR EMPLOYEES OF FAYETTE COUNTY PUBLIC SCHOOLS

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1 Voluntary Life Insurance FOR EMPLOYEES OF FAYETTE COUNTY 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 Voluntary Life insurance coverage offered to the eligible employees in your company. It is not intended to provide a detailed description of the coverage. Refer to the plan certificate 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. Please note that defined terms and provisions from the group policy are italicized in this booklet. Features of the group Voluntary Life coverage may vary by state.

3 Voluntary Life Insurance Features 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. By sponsoring group Voluntary Life insurance from Standard Insurance Company, your employer 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 may request to change the amount of coverage. Increases in coverage may 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 group Voluntary Life insurance available from The Standard. Please also refer to the plan certificate for additional details of the plan. When does my insurance go 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, if you apply and agree to pay premiums, your Voluntary 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 plan certificate for information on the eligibility waiting period and when you become eligible for insurance. If you are required to provide evidence of insurability, if you apply and agree to pay premiums, your Voluntary 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. Voluntary 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. 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 on Page 3 to guide you in calculating the amount of group 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. How much coverage can I purchase? You may elect Voluntary Life insurance coverage for yourself in increments of $10,000 up to the lesser of 5 times your annual earnings and $500,000. If you wish to become insured for an amount in excess of $150,000, the excess will be subject to medical underwriting approval. You may also elect Dependents Life insurance coverage for your spouse. This coverage is available in units of $5,000 to a maximum of $500,000, but not to exceed 100 percent of your Voluntary Life coverage. If you elect an amount for your spouse greater than $25,000, the excess will be subject to medical underwriting approval. You may elect $5,000 or $10,000 of Dependents Life insurance for your eligible children. This amount may not exceed 50 percent of your Voluntary Life coverage. In order to purchase coverage for your dependents, you must be covered for Voluntary Life insurance. Note: The premium paid for your child coverage is based on the cost of coverage for one child, regardless of how many children you have. During your employer s annual open enrollment period: Employees who are currently enrolled in Additional Life coverage and electing an amount less than the Guarantee Issue amount of $150,000 may elect to increase their coverage by one unit $10,000 without having to submit evidence of insurability. Employees who are currently enrolled in Dependent Life coverage for their spouse and electing an amount less than the Guarantee Issue amount of $25,000 may elect to increase their coverage by one unit $5,000 without having to submit evidence of insurability. 2 Standard Insurance Company

5 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 together all of the above. $ $ Available Resources Existing life insurance coverage $ $ Other assets such as 401(k), stocks, bonds, etc. Total Available Resources Add together all of your available resources. $ $ Total Life Insurance Needed Subtract the amount of your total available resources from your total income needs. $ $ What is Accidental Death and Dismemberment (AD&D)? Voluntary Life insurance includes a matching Accidental Death and Dismemberment (AD&D) coverage in which you or your beneficiaries may be eligible to receive an additional amount in the event of death or dismemberment as a result of an accident. The amount of this AD&D Insurance Benefit for loss of life is equal to the amount payable for Life insurance coverage on the date of the accident. See the plan certificate for additional features and exclusions. Will I have to provide information regarding my medical history? If you apply for Voluntary Life insurance within 31 days of becoming eligible to apply and 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. If you apply more than 31 days after becoming eligible to apply 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. Voluntary Life Insurance 3

6 Evidence of insurability is also required for reinstatement of terminated coverage and for members eligible but not insured under prior life insurance plans. However, during your employer s annual enrollment period certain evidence of insurability requirements will be waived for Life insurance and Dependents Life insurance in these instances: If you are insured for an amount less than the guarantee issue amount, evidence of insurability will be waived if you apply for an increase in your Life insurance and AD&D insurance by $10,000 during the annual enrollment period. If your spouse is insured for an amount less than the guarantee issue amount, evidence of insurability will be waived if you apply for an increase in your Dependents Life insurance and AD&D insurance by $5,000 during the annual enrollment period. However, we will not waive the evidence of insurability requirements if you or your spouse previously submitted evidence of insurability that was not approved by us, or if you or your spouse previously submitted evidence of good health that was not approved by the insurer(s) of the prior plan or any preceding plans. During each subsequent annual enrollment period you may elect Life insurance and AD&D insurance in increments of $10,000 and Dependents Life insurance and AD&D insurance in increments of $5,000 up to the guarantee issue amount without having to provide satisfactory evidence of insurability. What is my insurance age? Your rate is based on your insurance age. To figure your insurance age, determine what your age will be when this coverage becomes effective on January 1, For rating purposes you and your spouse are assumed to be the same age. Note: Your rate may increase on January 1st following the year you move into the next higher age band. 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, no fee, 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 competitive interest rates on their benefits while they take the time to consider financial decisions and evaluate their choices. 4 Standard Insurance Company

7 Will insurance benefits be reduced as I grow older? Typically, insurance benefits are reduced to a percentage of the original amount. Insurance benefits will reduce to a percentage of the original amount when you or your spouse reach the following ages: Age Insurance amount reduces to: percent of the original amount percent of the original amount percent of the original amount 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 plan certificate 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, to a maximum of $500,000, of your Voluntary 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 Accelerated Benefit provision including an interest charge would reduce the amount of Voluntary Life insurance payable upon your death. However, to help protect your beneficiaries, The Standard would pay at least 10 percent of the original Voluntary Life coverage amount at that time. Are there any other benefits with the group Voluntary Life coverage from The Standard? The Standard includes a travel assistance program 1 that provides a full range of 24-hour medical, legal and travel assistance services to you and your dependents when you travel more than 100 miles from home or in a foreign country. The Standard also pays an additional benefit, called the Repatriation Benefit, if you die more than 200 miles from your primary place of residence. The Standard will pay for expenses, up to a benefit maximum, incurred to transport your body to a mortuary near your primary place of residence. (This benefit is not available in Maryland) Please refer to the plan certificate for more details and benefit amounts. What are the exclusions? Please see the plan certificate for plan exclusions. 1 Provided through an agreement with MEDEX Assistance Corporation. Voluntary Life Insurance 5

8 When does coverage end? Voluntary 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 The date you cease to be a member; however, insurance may continue for limited periods under certain circumstances The date your employer ceases to participate under the group policy, if applicable. When does dependent coverage end? Any spouse and child coverage will automatically end on the earliest of the following: Five months after the date you die The date your life insurance ends The date Dependents life insurance terminates under the group policy The date your employer s coverage under the group policy for Dependents Life insurance terminates The date the last period ends for which a premium was paid for your Dependents Life insurance When the dependent ceases to be an eligible dependent For your spouse, the date of your divorce For a child who is disabled, 90 days after we mail you a proof of disability request, if proof is not given 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, 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 group life insurance from The Standard through the Portability provision, assuming you meet the eligibility requirements. Please refer to the plan certificate for the amounts you may be able to purchase. This option is not available in all states. 6 Standard Insurance Company

9 How do I apply? To apply for the Voluntary 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. You may apply at any time, but remember if you apply more than 31 days after becoming eligible, evidence of insurability is required. Coverage subject to evidence of insurability is not effective until approved by The Standard. If you currently are enrolled for life coverage and a payroll deduction is coming out of your check, you do not need to re-enroll unless you want to change coverage: For members and spouses who enroll within 31 days of initial eligibility, you will be able to elect Voluntary Life coverage for you and your spouse up to the guarantee issue amount without having to provide satisfactory evidence of insurability. Voluntary Life insurance coverage over the guarantee issue amounts will be subject to medical underwriting. The suicide exclusion will apply to any increase in coverage. If you do not enroll for coverage within 31 days of the initial eligibility date, you will be required to supply satisfactory medical evidence in order to insure you or your dependents. Refer to the plan certificate for additional details. Additional questions? If you have any additional questions, please contact your human resources representative. Voluntary Life Insurance 7

10 Employee/Spouse Voluntary Life with AD&D 24 Pay Period Premiums Coverage Amount Employee s Age as of January 1 < * 75-79* 80+* $20, $25, $30, $35, $40, $45, $50, $55, $60, $65, $70, $75, $80, $85, $90, $95, $100, $105, $110, $115, $120, $125, $130, $135, $140, $145, $150, $155, $160, $165, $170, $175, $180, $185, $190, $195, $200, $205, $210, $215, $220, $225, $230, $235, $240, $245, $250, Coverage amounts for ages 70 and over reduce due to age reduction (see Age Reductions section). 8 Standard Insurance Company

11 Employee/Spouse Voluntary Life with AD&D 24 Pay Period Premiums (Continued) Coverage Employee s Age as of January 1 Amount < * 75-79* 80+* $255, $260, $265, $270, $275, $280, $285, $290, $295, $300, $305, $310, $315, $320, $325, $330, $335, $340, $345, $350, $355, $360, $365, $370, $375, $380, $385, $390, $395, $400, $405, $410, $415, $420, $425, $430, $435, $440, $445, $450, $455, $460, $465, $470, $475, $480, $485, $490, $495, $500, Coverage amounts for ages 70 and over reduce due to age reduction (see Age Reductions section). Dependent Rates per Pay Period (24 Pay Periods) Coverage Amount Rate $5, $10, Voluntary Life Insurance 9

12 Employee/Spouse Voluntary Life with AD&D 18 Pay Period Premiums Coverage Amount Employee s Age as of January 1 < * 75-79* 80+* $20, $25, $30, $35, $40, $45, $50, $55, $60, $65, $70, $75, $80, $85, $90, $95, $100, $105, $110, $115, $120, $125, $130, $135, $140, $145, $150, $155, $160, $165, $170, $175, $180, $185, $190, $195, $200, $205, $210, $215, $220, $225, $230, $235, $240, $245, $250, Coverage amounts for ages 70 and over reduce due to age reduction (see Age Reductions section). 10 Standard Insurance Company

13 Employee/Spouse Voluntary Life with AD&D 18 Pay Period Premiums (Continued) Coverage Employee s Age as of January 1 Amount < * 75-79* 80+* $255, $260, $265, $270, $275, $280, $285, $290, $295, $300, $305, $310, $315, $320, $325, $330, $335, $340, $345, $350, $355, $360, $365, $370, $375, $380, $385, $390, $395, $400, $405, $410, $415, $420, $425, $430, $435, $440, $445, $450, $455, $460, $465, $470, $475, $480, $485, $490, $495, $500, Coverage amounts for ages 70 and over reduce due to age reduction (see Age Reductions section). Dependent Rates per Pay Period (18 Pay Periods) Coverage Amount Rate $5, $10, Voluntary Life Insurance 11

14 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, Standard Insurance Company 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. Standard Insurance Company 1100 SW Sixth Avenue Portland OR A subsidiary of StanCorp Financial Group, Inc. SI (1/13) GP190-LIFE/S399, GP399-LIFE/TRUST

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