1. If I do not select supplemental or dependent life insurance, what will my coverage be?

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1 Flex FAQs Life Insurance 1. If I do not select supplemental or dependent life insurance, what will my coverage be? If you do not select supplemental or dependent life insurance coverage, you will have $10,000 in basic life insurance coverage, provided at no cost to you. If you are a regular half-time employee hired after July 23, 1989, you will have $5,000 in basic life insurance coverage. If you are a regular half-time employee hired before July 24, 1989, see your MOU s Benefits Section for information on your basic life insurance coverage. 2. Is the portability feature automatic or do I have to enroll in it? Portability is automatically available for any basic and supplemental life insurance coverage you have if you meet eligibility requirements. To continue coverage through portability, you must obtain a form from the Employee Benefits Division and return the completed form to the insurance company within 31 days of the date Flex coverage ends. 3. With portability, will my life insurance be the same if I leave employment with the City as the coverage I have now under Flex? You can continue the same amount of coverage you have under Flex after your employment ends up to a maximum of five times your annual earnings or $1 million. The portable coverage will be group term life insurance and may not be identical to the City coverage. One way in which portable coverage differs from Flex coverage is that you may not have the same options to change coverage in the future that you have as a City employee. You will pay group rates for portable coverage. These group rates are not the same as the City s employee coverage cost but are generally lower than the cost of an individual term or whole life policy. 4. What do I need to do if I m leaving the City and I want portable coverage? You must complete a form and submit it to Prudential within 31 days of the day your employment/coverage ends. These forms are available from the Employee Benefits Division. 5. How do I pay for portable coverage? If you select portable coverage after your City employment ends, Prudential will bill you for the cost of coverage and you will send payments directly to Prudential. A quarterly $3.00 direct billing fee applies. 6. Can I convert my life insurance to another policy if I leave the City? If your employment ends with the City, you can convert your life insurance to an individual whole life policy. Because group rates will no longer apply, this individual conversion policy will cost substantially more than coverage you have as a City

2 employee through Flex. Conversion is the only option available to you if you retire, are disabled, age 80 or older or have less than $20,000 in life insurance coverage when your employment/coverage with the City ends. In these situations, you may convert coverage but you cannot select portable coverage. 7. What do I need to do if I m leaving the City and I want to convert coverage? You must complete a form available from the Employee Benefits Division and submit the form to Prudential within 31 days of the date your employment ends to convert coverage. 8. What is supplemental life insurance and what are my options? Supplemental life insurance pays a benefit to your beneficiary if you die, in addition to your basic life insurance benefit. You can choose coverage of one, two, three, four or five times annual base pay up to a maximum of $1 million. 9. How is my annual base pay determined for life insurance? For 2006 coverage, your pay is your annual base pay as of September 1, 2005, and does not include overtime or bonuses. If your pay changes during the year, your life insurance amount will not change unless you have a change in job class or pay grade. 10. Can I purchase dependent life insurance for a newborn child? Yes. You can enroll a newborn child in dependent life insurance as long as you go online or call the Benefits Request Line at within 30 days of the child s birth. Any newborn child you enroll will not have any coverage from birth to the age of 14 days. An enrolled child will have $500 in coverage from age 14 days to six months. After six months, the child will have $5,000 in coverage. 11. Why do I have to select supplemental life insurance before I can select spouse or child life insurance? Because the Flex program is designed to benefit City employees, the insurance company providing supplemental life requires that you must enroll in supplemental life insurance to enroll in dependent life insurance. 12. Are there any restrictions on enrolling in dependent life insurance? California law limits life insurance coverage for your spouse/domestic partner to half of your total life insurance coverage basic and supplemental. For instance, if you want to purchase $10,000 in spouse/domestic partner life insurance, your combined basic and supplemental life insurance must equal at least $20, Why do I have to purchase dependent life insurance with after-tax dollars? IRS rules do not allow the purchase of dependent life insurance with pre-tax dollars.

3 14. Does supplemental life insurance create extra taxable income for me? It might. Since you purchase supplemental life insurance with pre-tax dollars, extra taxable income, called imputed income, applies to combined basic and supplemental life insurance amounts over $50,000 under IRS rules. Imputed income does not apply to your first $50,000 of basic and supplemental life. If you have over $50,000 in coverage, the imputed income will be based on amounts greater than $50, If this coverage creates imputed income, why would I choose it? Even though your supplemental life choice may create imputed income, you may still come out ahead because you purchase the coverage with pre-tax dollars from your pay creating tax savings for you. Imputed income reduces the advantage of pre-tax dollars somewhat. Because imputed income applies only to life insurance amounts above $50,000, you get the full pre-tax advantage for coverage amounts below that. Most people make a life insurance choice based on their personal situation with imputed income as only one factor in that decision. The 2006 Flex Benefits booklet includes an imputed income example on page 26 to give you an idea of how much imputed income could add. 16. How do I provide proof of good health? Proof of good health also called evidence of insurability or EOI includes a questionnaire on your health status and sometimes a physical. Depending on the answers to the questionnaire and the results of any physical, life insurance coverage will be approved or denied. 17. Since the City requires an annual physical exam for my job, why do I have to satisfy the proof of good health requirement? Proof of good health is required by the insurance company not the City. The insurance company may require it before providing coverage or increasing your coverage amount. 18. When is proof of good health required for supplemental life insurance? During annual enrollment, proof of good health is required if you are a current employee: Enrolling in supplemental life insurance for the first time to a level of more than three times annual base pay or an amount above $750,000. Increasing your coverage by more than one level for instance, from one to three times annual base pay or to a level more than three times annual base pay or an amount above $750,000. If you are a new hire, proof of good health is required for supplemental life of four or five times annual pay or for any amount over $750,000.

4 If you have a change in family status, you have 30 calendar days to change your life insurance choice. Proof of good health is required for increases of more than one coverage level, increases to four or five times annual base pay, or amounts over $750,000. If you have a change in job class or pay grade with a pay increase, you will have to provide proof of good health if: your coverage amount increases to more than $750,000, regardless of your coverage level you have coverage of three, four or five times annual base pay and your pay is over $100,000 or your coverage amount is greater than $500, When is proof of good health required for dependent life insurance? If you are currently enrolled in Flex, you will have to provide proof of good health for your spouse or domestic partner to purchase spouse or domestic partner life insurance for the first time or increase coverage during annual enrollment. If you are a new hire, proof of good health is not required. For coverage choice changes during the year because of a change in family status, proof of good health is required for spouse/domestic partner insurance unless you are adding a spouse/domestic partner within 30 calendar days of marriage or beginning a domestic partner relationship. Proof of good health is never required for life insurance for your dependent children. 20. When is my child no longer eligible for life insurance? Children are eligible for life insurance coverage up to age 19 or up to age 25 with proof of full-time student status. Before your child reaches 19, you will receive notification from your dependent life plan administrator that coverage for your child will end. To continue coverage, you will have to provide proof of full-time student status to the Employee Benefits Division. In case of disability, your child will have to meet eligibility requirements for disability as determined by your health plan. 21. How do I file a claim? The beneficiary must file a claim with the Employee Benefits Division by calling A copy of the death certificate must be included with the claim form. The Employee Benefits Division will forward the claim to the life insurance claim administrator for payment. 22. Can I name any beneficiary for life insurance coverage? You can name anyone as the beneficiary of your basic and supplemental life insurance. You are automatically the beneficiary for any dependent life insurance you choose. 23. How do I change my beneficiary and how often can I make changes?

5 Go online or call the Benefits Request Line if you need to make a change. Your change will take effect immediately once you submit your beneficiary information. You can change your beneficiary for basic and supplemental life insurance any time.

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