Life Insurance TABLE OF CONTENTS. Introduction... 3 Basic Life Insurance... 3 Amount of Coverage Eligibility... 8 Beneficiary... 8 Coverage...

Size: px
Start display at page:

Download "Life Insurance TABLE OF CONTENTS. Introduction... 3 Basic Life Insurance... 3 Amount of Coverage... 3. Eligibility... 8 Beneficiary... 8 Coverage..."

Transcription

1 Life Insurance TABLE OF CONTENTS Introduction... 3 Basic Life Insurance... 3 Amount of Coverage... 3 Eligibility... 3 Beneficiary... 4 Coverage... 4 Benefits... 4 Conversion Privilege... 4 Claims... 5 Disability Provision: Waiver of Premium for Employees Covered by Basic Life Insurance... 5 Early Retirement... 5 Supplemental Life Insurance Plan... 6 Eligibility... 6 Beneficiary... 6 Coverage... 6 Effective date of Coverage... 6 Limitation... 7 Conversion Privilege... 7 Claims... 8 Disability Provision... 8 Supplemental Accidental Death and Dismemberment Coverage... 8 Eligibility... 8 Beneficiary... 8 Coverage... 9 Effective Date of Coverage... 9 Conversion Privilege... 9 Benefits... 9 Exposure and Disappearance Losses Not Covered Claims Termination of Coverage Spouse s Supplemental Life Insurance Eligibility Beneficiary Coverage Conversion Privilege Claims Limitation

2 Termination of Benefits Spouse s Supplemental Accidental Death and Dismemberment Insurance Eligibility Beneficiary Coverage Benefits Termination of Benefits Business Travel Accident Insurance Eligibility Business Travel Accident Insurance Benefits Government Plans Canada Pension Plan Workers Compensation

3 Introduction Life and Accident Insurance provides a measure of financial security for you and your family if you should die before retirement. The University, or affiliated employer, provides you with Basic Life Insurance coverage and you have the option of applying for additional coverage. The government also provides death benefits from the Canada Pension Plan. Under certain circumstances, accident benefits may also be available from the University s Business Travel Accident Plan and government plans such as the Canada Pension Plan and Workers Compensation. Basic Life Insurance The Basic Life Insurance Plan provides a lump sum benefit to your beneficiary in the event of your death. Amount of Coverage You will be insured for two times your annual earnings rounded to the next highest $1,000 (if not already a multiple of $1,000) to a maximum of $500,000. Eligibility For groups 1 through 8, you are eligible to participate in the University s Basic Life Insurance Plan if you are an employee whose employment will extend for a period of at least 6 months, are working half time or greater and are: Group 1 a Faculty member according to the terms in the Faculty Collective Agreement 2 an out of scope Faculty member 3 a senior administrative staff member 4 an ASPA member according to the terms in the ASPA Collective Agreement 5 an Exempt employee 6 a Research Administrative Staff member or Research Technical and Support Staff member whose grant holder has offered a benefit package 7 a Research Professional employee whose grant holder has offered a benefit package 8 an employee of an affiliated employer who has offered a benefit package (subject to agreement by the University) For group 9, you are eligible to participate in the University s Basic Life Insurance Plan, if you are an employee who works at least half-time and who is: Group 9 a member of CUPE Local 1975 and actively employed as a permanent or seasonal employee, or - 3 -

4 a permanent or seasonal employee who is temporarily occupying a term position, or a term employee who has been hired into a term of 6 months or greater, or an employee of CUPE Local 1975 office, Prairie Swine Centre Inc., or St. Thomas More College. Beneficiary When you are hired, you will be asked to complete a beneficiary designation form. You may change your beneficiary at any time by completing a Change of Beneficiary card available upon request from Human Resources. It is your responsibility to keep your beneficiary designation up to date. If you do not designate a beneficiary, benefits will be paid to your estate. Coverage For groups 2, 4, 5 6 and 8 and 9 you will be covered under the Basic Life Insurance plan after you have been continuously employed for three months from your date of eligibility and coverage will continue until your employment terminates or your retirement date. For groups 1, 3 and 7, you will be covered under the Basic Life Insurance plan beginning your first day of eligibility and coverage will continue until your employment terminates or your retirement date. Employees who go on a leave of absence other than lay-off or seasonal lay-off prior to completing the waiting period, will not be covered until the first day following three months of continuous service commencing from their date of return. If you are absent from work on the date your coverage would otherwise have taken effect, coverage will take effect on your return to work. If you leave the University, or affiliated employer, and are rehired as an eligible employee within six months, you will be covered under the Plan without having to complete the three-month waiting period. Benefits In the event of your death from any cause at any time or place while you are insured as an employee, your beneficiary or estate will receive the amount of your life insurance in effect at date of death. Conversion Privilege If your Basic Life Insurance is terminated, your coverage will be continued without cost for a 31-day conversion period. During this time, you may convert your coverage to an individual policy without providing medical evidence. For information on conversion, - 4 -

5 contact Human Resources for the insurance company agent s name and phone number within the 31 day conversion period. The amount of the individual policy will be limited to the lesser of: $200,000.00; or the amount of Basic Life Insurance in effect at the date of termination, or the difference between the amount of Basic Life Insurance in effect at the date of termination and any group insurance for which you become insured within the 31 day conversion period. The individual policy will not offer any disability or double indemnity benefits. The premium rate will be based on your age, sex and the customary rate for the type of insurance to which you convert. If death occurs within the 31 day conversion period, your beneficiary or estate will receive the amount to which you would have been eligible to convert. Claims In the event of your death, Human Resources will assist your beneficiary or executor in submitting a claim. Claims should be submitted as soon as possible. Disability Provision: Insurance Waiver of Premium for Employees Covered by Basic Life If you become totally disabled while insured under the Basic Life Insurance Plan at the University of Saskatchewan and before your 65 th birthday and are unable to work at your own or any other job, an application will be filed on your behalf to have your Basic Life Insurance continue without payment of premium until you recover, retire, or reach your normal retirement date. Application will be made before the end of your first year of disability. You will be required to submit medical proof of your disability. Please contact Human Resources and/or the Health and Wellness Resource Centre for more information. You are considered totally and permanently disabled if you have been, are and will be permanently, continuously and wholly prevented by illness or injury, other than pregnancy, from performing any work for compensation or profit or from following any gainful occupation. Early Retirement Group 1 employees (see Eligibility) who retire before their normal retirement date may elect to continue their basic life insurance until their normal retirement date (see Post- Retirement Spending Account plan summary for details). The University will pay the premiums

6 Supplemental Life Insurance Plan The Supplemental Life Insurance plan allows you to purchase additional life insurance at competitive group rates to suit your personal situation. These insurance premiums are age related and rates vary accordingly. Eligibility You are eligible to participate in the Supplemental Life Insurance Plan if you are an employee who is eligible for the Basic Life Insurance. If you are absent from work on the date your coverage would have otherwise taken effect, your coverage will take effect when you return to work. Beneficiary When you apply for Supplemental Life Insurance, you will be asked to specify the name of your beneficiary. You may change your beneficiary at any time by completing a Change of Beneficiary form available from Human Resources upon your request. It is your responsibility to keep your beneficiary designation up to date. If you do not designate a beneficiary, benefits will be paid to your estate. Coverage Supplemental Life Insurance is available under two options: Option A You may elect coverage in the amount of 1x s 2x s 3x s 4x s, 5x s, or 6x s your basic annual earnings rounded to the next even $1,000 (i.e. $43,200 would be rounded to $44,000) to a maximum benefit of $500,000. Option B You may elect coverage in multiples of $50,000. The maximum benefit under Option B is $500,000. Effective date of Coverage You may apply for Supplemental Life Insurance at any time. Application forms are available from Human Resources. If you apply for Supplemental Life Insurance during the first 90 days of eligibility, your coverage (to a maximum of $500,000) will take effect on the date you apply, without evidence of insurability. If you apply for Supplemental Life Insurance within 90 days of acquiring a dependent through marriage, birth or adoption, or legal guardianship of children, no evidence of insurability will be required and your coverage (to a maximum of $500,000) will be effective on the date you acquire the dependent or the date you complete the application, whichever is later

7 If you apply for Supplemental Life Insurance in situations other than those described above, evidence of insurability is required and your coverage will take effect when the insurance company has approved the evidence. Satisfactory medical evidence of insurability usually means simply completing a questionnaire about your medical history. However, the insurance company may also request that you be examined by a doctor or that you have x-rays, blood tests, or other procedures performed to determine your medical condition. Changes in the amount of Supplemental Life Insurance due to a change in salary will take effect on the first of the month coincident with or next following the date of the salary change. This does not apply to retroactive salary adjustments. Once your application for coverage has been approved by the insurance company, you will be covered in the event of your death from any cause at any time or place as long as you are insured as an eligible employee. Limitation If death occurs as a result of suicide, while sane or insane, the amount of Supplemental Life Insurance payable will be limited to the amount of Supplemental Life Insurance which has been in effect for one or more years. Conversion Privilege If a Member s Supplementary Life Insurance terminates or reduces and the conditions outlined below are satisfied, that person will be eligible to continue all or part of the insurance by converting to an individual policy. The insured person must satisfy the following conditions to be eligible for an individual policy: a) application for the individual policy must be received by the insurance company within 31 days after insurance under the Group Policy terminates or reduces; and b) the first premium must be enclosed with the application. The maximum amount that may be converted is the lesser of: a) $200,000, and b) the amount of insurance that terminated less the amount replaced by any Group Policy within 31 days of the termination

8 Claims In the event of your death at anytime or place while insured, your beneficiary or estate will receive the amount of your Supplemental Life Insurance in effect at the date of death. In the event of your death, Human Resources will assist your beneficiary or executor in submitting a claim. Disability Provision If you become totally and permanently disabled while insured and before your normal retirement date, and the disability has continued for at least 90 days, your Supplemental Life Insurance will continue without further premium payments until the earliest of the following: a) the date you are no longer totally and permanently disabled, or b) the date you fail to take a medical examination required by the insurance company, or c) the date you fail to provide proof of continuing disability, or d) your normal retirement date. You are considered totally and permanently disabled if you have been, are and will be permanently, continuously and wholly prevented by illness or injury, other than pregnancy, from performing any work for compensation or profit or from following any gainful occupation. Initial proof of disability must be submitted to the insurance company within 12 months of the date of disability. Periodic proof of continuing disability may be required by the insurance company. Supplemental Accidental Death and Dismemberment Coverage Eligibility You may elect additional coverage for accidental injuries by participating in the Supplemental Accidental Death and Dismemberment Insurance plan. These insurance premiums are based on a flat rate amount. Beneficiary When you apply for Supplemental Accidental Death and Dismemberment Insurance, you will be asked to specify the name of your beneficiary. You may change your beneficiary at any time by completing a Change of Beneficiary form available from Human Resources upon your request. It is your responsibility to keep your beneficiary designation up to date. If you do not designate a beneficiary, benefits will be paid to your estate

9 Coverage You may elect Supplemental Accidental Death and Dismemberment Insurance coverage under the same options as described for Supplemental Life Insurance. Effective Date of Coverage Your coverage under the Supplemental Accidental Death and Dismemberment Insurance plan will take effect the date you apply. Conversion Privilege There is no conversion privilege for Supplemental Accidental Death and Dismemberment Insurance. Benefits In the event of your accidental death, the Principal Sum will be paid to your beneficiary or estate. Benefits will also be paid to you if you suffer any of the losses in the following table due to an accident: Covered Loss Percentage Of Benefit Amount Payable Loss of Life 100% Loss of or Loss of Use of Both Hands or Both Feet 100% Loss of Sight of Both Eyes 100% Loss of One Hand and One Foot 100% Loss of One Hand and Sight of One Eye 100% Loss of One Foot and Sight of One Eye 100% Loss of Hearing in Both Ears and Speech 100% Loss of or Loss of Use of One Arm or One Leg 75% Loss of or Loss of Use of One Hand or One Foot 66 2/3% Loss of Sight of One Eye 66 2/3% Loss of Speech or Hearing in Both Ears 66 2/3% Loss of Thumb and Index Finger or at Least Four Fingers 33 1/3% of One Hand Loss of All Toes of One Foot 25% Loss of Hearing in One Ear 25% Hemiplegia, Paraplegia or Quadriplegia 200% Loss of hand means complete severance at or above the wrist joint, but below the elbow. Loss of foot means complete severance at or above the ankle joint, but below the knee joint

10 Loss of arm means complete severance at or above the elbow. Loss of leg means complete severance at or above the knee joint. Loss of sight means the entire and irrevocable loss of sight of the eye. Loss of speech means the entire and irrevocable loss of speech which does not allow audible communication of any degree. Loss of thumb and index finger means the complete severance between the wrist and the interphalangeal and proximal interphalangeal joints of one hand, respectively. Loss of finger means the complete severance at or above the knuckles joining the finger to the hand. Loss of toe means the complete severance at or above the knuckle joining the toe to the foot. Hemiplegia means paralysis of one side of the body. Paraplegia means paralysis of the lower portion of the body (including the bowel and bladder) and both lower limbs due to injury of the spinal cord. Quadriplegia means paralysis of four limbs. Exposure and Disappearance If a person suffers a Loss specified in the Table of Covered Losses due to unavoidable exposure to the elements of nature after a conveyance in which the person was travelling, sinks, makes a forced landing or is lost, wrecked or stranded, such loss will be deemed to have occurred as a result of an accidental injury. A person is deemed to have suffered death by accidental injury if his body is not found within 365 days after a conveyance in which the person was travelling, sinks, makes a forced landing or is lost, wrecked or stranded. Losses Not Covered No benefit is payable for any loss directly or indirectly related to: a) suicide or self-inflicted injury, whether the person is sane or insane; b) war, insurrection, the hostile actions of any armed forces, or participation in a riot or civil commotion; c) an infection (except pyogenic infections from an accidental cut or wound), illness or disease or the medical treatment of any illness or disease, or bodily or mental infirmity; d) riding in, boarding or leaving, or descending from, any aircraft as a pilot, operator or member of the crew;

11 e) riding in, boarding or leaving, or descending from, any aircraft which is owned, operated, or leased by or on behalf of the Employer. This exclusion will not apply to chartered flights. f) the committing of or attempt to commit an assault or criminal offence; or g) injuries sustained while operating a motor vehicle, either while under the influence of any intoxicant or if the person s blood contained more than 80 milligrams of alcohol per 100 millilitres of blood at the time of injury. Claims Human Resources has the necessary claim forms and will provide assistance in completing them. Termination of Coverage In addition to the general provisions for termination of coverage, your Supplemental Accidental Death and Dismemberment Insurance will terminate when your eligibility for Supplemental Life Insurance terminates, when you request cancellation, or when you fail to make a required premium payment. Spouse s Supplemental Life Insurance Eligibility You can insure your spouse under the Spouse s Supplemental Life Insurance plan. Your eligible spouse is your legal or common-law spouse (the person with whom you have cohabited with for one year and who is publicly represented as your legally married spouse). Your spouse cannot be insured under Spouse s Supplemental Life Insurance if he or she is insured under the Supplemental Life Insurance Plan as a member. Beneficiary When you apply for Spouse s Supplemental Life Insurance, your spouse will be asked to specify the name of the beneficiary. Your spouse may change beneficiary at any time by completing a Change of Beneficiary form available from Human Resources upon request. It is your spouse s responsibility to keep the beneficiary designation up to date. If your spouse does not designate a beneficiary, benefits will be paid to your spouse s estate. Coverage Coverage for your spouse is available under two options: Option A You may elect spousal coverage in the amount of 1x s, 2x s, 3x s, 4x s, 5x s or 6x s your basic annual earnings rounded to the next event $1,000 (i.e. $43,200 would be rounded to $44,000) to a maximum benefit of $500,000. Option B

12 You may elect spousal coverage in multiples of $50,000. The maximum benefit under Option B is $500,000. If you apply for Spouse s Supplemental Life Insurance during the first 30 days of eligibility, the coverage (to a maximum of $500,000) will take effect on the date you apply, without evidence of insurability. If you apply for Spouse s Supplemental Life Insurance within 30 days of acquiring a dependent through marriage, birth or adoption, or legal guardianship of children, no evidence of insurability will be required and your coverage (to a maximum of $500,000) will be effective on the date you acquire the dependent or the date you complete the application, whichever is later. Conversion Privilege If a Spouse s Supplementary Life Insurance terminates or reduces and the conditions outlined below are satisfied, that person will be eligible to continue all or part of the insurance by converting to an individual policy. The insured person must satisfy the following conditions to be eligible for an individual policy: a) application for the individual policy must be received by the insurance company within 31 days after insurance under the Group Policy terminates or reduces; and b) the first premium must be enclosed with the application. The maximum amount that may be converted is the lesser of: a) $200,000, and b) the amount of insurance that terminated less the amount replaced by any Group Policy within 31 days of the termination. Claims In the event of the death of your spouse at any time or place, the coverage amount in effect will be paid to the named beneficiary. Human Resources has the necessary claim forms and will provide assistance in completing them. Limitation If death occurs as a result of suicide, while sane or insane, the amount of Supplemental Life Insurance payable will be limited to the amount of Supplemental Life Insurance which has been in effect for one or more years. Termination of Benefits In addition to the general provisions for termination of coverage, your Spouse s Supplemental Life Insurance will terminate when your eligibility for Supplemental Life Insurance terminates, when you request cancellation, or when you fail to make a required premium payment

13 Spouse s Supplemental Accidental Death and Dismemberment Insurance Eligibility You may also insure your spouse under the Spouse s Supplemental Accidental Death and Dismemberment Plan at the same premium rate as Member Supplemental Accidental Death and Dismemberment coverage. Beneficiary When you apply for Spouse s Supplemental Accidental Death and Dismemberment Insurance, your spouse will be asked to specify the name of the beneficiary. Your spouse may change beneficiary at any time by completing a Change of Beneficiary form available from Human Resources upon request. It is your spouse s responsibility to keep the beneficiary designation up to date. If your spouse does not designate a beneficiary, benefits will be paid to your spouse s estate. Coverage You may elect Spouse s Supplemental Accidental Death and Dismemberment Insurance coverage under the same options as described for Supplemental Accidental Death and Dismemberment Insurance. Spouse s Supplemental Accidental Death and Dismemberment Insurance will take effect on the latter of the date Spouse s Supplemental Life Insurance becomes effective or the date you apply for coverage. Benefits In the event of your spouse s accidental death, the Principal Sum will be paid to the named beneficiary. Benefits for other losses, as described under Supplemental Accidental Death and Dismemberment Insurance, will be paid to you. Definitions of Loss and Exclusions and Limitations are as described under Supplemental Accidental Death and Dismemberment Coverage. Termination of Benefits In addition to the general provisions for termination of coverage, your Spouse s Supplemental Accidental Death and Dismemberment Insurance will terminate when your eligibility for Supplemental Life Insurance terminates, when you request cancellation, or when you fail to make a required premium payment

14 Business Travel Accident Insurance Eligibility You are eligible for Business Travel Accident Insurance coverage beginning on the date you are hired. Business Travel Accident Insurance Benefits You are covered for accidental death occurring anywhere in the world, 24 hours a day while travelling on authorized University business. You are covered while flying as a passenger on a scheduled airline or any other aircraft that has a standard airworthiness certificate and is not owned or operated by the University. In the event of your accidental death while travelling on authorized University business, your estate will receive $100,000. This benefit is in addition to other life and accident insurance benefits which may be payable. There is an overall maximum of $500,000 payable for all losses resulting from the same accident, regardless of the number of insured persons involved. In the event of a single accident resulting in the death of more than one employee, the benefit will be pro-rated among the estates within the $500,000 maximum. Benefits are also provided for accidental loss of limb, sight or hearing while travelling on University business. These benefits are detailed in the Specific Loss Accident Indemnity section of the Business Travel Accident Insurance Plan policy. The Corporate Administration Office has the necessary claim forms and will provide assistance in completing them. Business Travel does not include everyday travel to and from work. Government Plans Canada Pension Plan A lump sum death benefit may be payable to your spouse or estate. In addition, a survivors pension may be payable to your spouse or an orphan s pension may be payable to your dependent children. Workers Compensation If your death is the result of a work-related accident, a lump sum death benefit will be paid to your spouse. In addition, a specified monthly amount will be paid to your spouse or dependent children. This description is intended only as a summary of the Life and Accident Insurance Plans sponsored by the University of Saskatchewan. In the event of any misunderstanding or

15 discrepancy, benefits will be paid according to the terms of the official plan documents and applicable legislation. The Basic Life Insurance Plan is underwritten by Sun Life, Policy No The Supplemental Life Insurance Plan is underwritten by Manulife, Policy The University of Saskatchewan Faculty Association is the policyholder for this plan The Business Travel Accident Insurance Plan is underwritten by The Citadel, Policy

Life and AD&D Insurance Effective February 1, 2015

Life and AD&D Insurance Effective February 1, 2015 Life and AD&D Insurance Effective February 1, 2015 TABLE OF CONTENTS Introduction... 2 Life Insurance and AD&D General Provisions... 2 Amount of Coverage and Eligibility Waiting Period... 2 Effective Date

More information

Life Insurance TABLE OF CONTENTS

Life Insurance TABLE OF CONTENTS Life Insurance TABLE OF CONTENTS Benefit Details... 2 Life Insurance Benefits For You... 2 Supplemental Accidental Death And Dismemberment Insurance... 2 Changes In Amounts... 2 Definitions... 2 General

More information

VOLUNTARY ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE

VOLUNTARY ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE SCOPE OF INSURANCE ELIGIBILITY VOLUNTARY ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE This Voluntary Accident Insurance Plan provides accident coverage 24 hours a day...365 days a year...worldwide...on or

More information

Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA

Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA Howard University and Howard University Hospital D.B.A. Howard University, Inc. YOUR GROUP LIFE INSURANCE CONTAINS AN ACCELERATED

More information

Life and Accident Insurance

Life and Accident Insurance Life and Accident Insurance Honda offers basic life and accident insurance and business travel insurance benefits for you or your survivors in the event of your accidental death or serious injury. Table

More information

McMaster University Voluntary Accidental Death & Dismemberment Insurance (AD&D) CHUBB Insurance Company of Canada Policy #6477 45 51-04

McMaster University Voluntary Accidental Death & Dismemberment Insurance (AD&D) CHUBB Insurance Company of Canada Policy #6477 45 51-04 McMaster University Voluntary Accidental Death & Dismemberment Insurance (AD&D) CHUBB Insurance Company of Canada Policy #6477 45 51-04 CHUBB Insurance Company of Canada SCOPE OF INSURANCE This Voluntary

More information

YOUR GROUP PERSONAL ACCIDENT INSURANCE PLAN

YOUR GROUP PERSONAL ACCIDENT INSURANCE PLAN YOUR GROUP PERSONAL ACCIDENT INSURANCE PLAN For Employees of Louisana Sheriffs Association 6CC000 B-15023 (09-14 DRAFT) CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE

More information

YOUR PERSONAL ACCIDENT INSURANCE PLAN

YOUR PERSONAL ACCIDENT INSURANCE PLAN YOUR PERSONAL ACCIDENT INSURANCE PLAN For Employees of City of Fort Smith 6CC000 B-13292 (1-12) CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE OF BENEFITS...........................................

More information

YOUR GROUP LIFE INSURANCE PLAN

YOUR GROUP LIFE INSURANCE PLAN YOUR GROUP LIFE INSURANCE PLAN For Employees of State of South Dakota All Eligible Employees 6CC000 B-14517 (03-15) CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE OF

More information

Manitoba Public School Employees Group Life Insurance Plan. Financial protection for every member of your family. What could be more important?

Manitoba Public School Employees Group Life Insurance Plan. Financial protection for every member of your family. What could be more important? Manitoba Public School Employees Group Life Insurance Plan Financial protection for every member of your family What could be more important? WELCOME Welcome to the Manitoba Public School Employees Group

More information

Public Employees Benefits Agency. Public Employees Group Life Insurance Plan

Public Employees Benefits Agency. Public Employees Group Life Insurance Plan Public Employees Benefits Agency Public Employees Group Life Insurance Plan Table of Contents INTRODUCTION...2 ELIGIBILITY...3 Employer Responsibility Enrolment Spouse Dependent Child BENEFITS...5 Basic

More information

Voluntary Term Life and AD&D Insurance

Voluntary Term Life and AD&D Insurance Voluntary Term Life and AD&D Insurance Prepared for the employees of Xavier University Voluntary Term Life Insurance Coverage What would happen to your family if you and your income were gone? - Could

More information

Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA

Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA Health Science Campus - Life Insurance GROUP POLICY NUMBER - 234782-001 BOOKLET EFFECTIVE DATE - January 1, 2014 BOOKLET AMENDMENT

More information

YOUR GROUP PERSONAL ACCIDENT INSURANCE PLAN

YOUR GROUP PERSONAL ACCIDENT INSURANCE PLAN YOUR GROUP PERSONAL ACCIDENT INSURANCE PLAN For Employees of Etiwanda School District 6CC000 CSEBA Account 33 B-14973 6-14 Elec CONTENTS OUTLINE OF COVERAGE........................................... 1

More information

QMA LIFE INSURANCE. Program. Complete the application provided, and mail to: Apply Now! Québec Medical Association

QMA LIFE INSURANCE. Program. Complete the application provided, and mail to: Apply Now! Québec Medical Association QMA LIFE INSURANCE Program Apply Now! Complete the application provided, and mail to: Québec Medical Association 380 1000 Saint-Antoine de la Gauchetière West West Suite 3200 660 Montréal Montreal (Québec)

More information

Accidental Death and Dismemberment Insurance

Accidental Death and Dismemberment Insurance Benepac Insurer Accidental Death, Dismemberment and Specific Loss Indemnity Industrial Alliance Insurance and Financial Services Inc. (IA) The loss or permanent and total loss of use must occur within

More information

YOUR GROUP LIFE INSURANCE PLAN

YOUR GROUP LIFE INSURANCE PLAN YOUR GROUP LIFE INSURANCE PLAN For Employees of University System of New Hampshire 6CC000 Class I B-12270 11-12 E-Book CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE

More information

Dental Office Staff COMPREHENSIVE LIFE, ACCIDENT AND DISABILITY PROTECTION. 1-800-561-9401 www.cdspi.com/staff. Canadian Dentists Insurance Program

Dental Office Staff COMPREHENSIVE LIFE, ACCIDENT AND DISABILITY PROTECTION. 1-800-561-9401 www.cdspi.com/staff. Canadian Dentists Insurance Program Dental Office Staff Canadian Dentists Insurance Program COMPREHENSIVE LIFE, ACCIDENT AND DISABILITY PROTECTION The income you earn as a dental office employee is important to your family s well-being.

More information

Doctors of BC Accidental Death and Dismemberment Insurance

Doctors of BC Accidental Death and Dismemberment Insurance Doctors of BC Accidental Death and Dismemberment Insurance AD&D Accidental Death and Dismemberment (AD&D)Insurance Accidents Happen... The Doctors of BC Accidental Death & Dismemberment Plan has been designed

More information

YOUR PERSONAL ACCIDENT INSURANCE PLAN

YOUR PERSONAL ACCIDENT INSURANCE PLAN YOUR PERSONAL ACCIDENT INSURANCE PLAN For Employees of Knox County Government and Knox County School Board Knox County Government 6CC000 B-12803 04-11 CONTENTS CERTIFICATION PAGE.............................................

More information

YOUR GROUP LIFE INSURANCE PLAN

YOUR GROUP LIFE INSURANCE PLAN YOUR GROUP LIFE INSURANCE PLAN For Employees of Riverside Unified School District Class 2: Board of Education Members, Deputy and Assistant Superintendents 6CC000 SCSEBA Accounts 30 & 31 B-13891 12-12

More information

YOUR GROUP LIFE INSURANCE PLAN

YOUR GROUP LIFE INSURANCE PLAN YOUR GROUP LIFE INSURANCE PLAN 6CC000 B-7882 10-13 (E-Book) CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE OF BENEFITS........................................... 2

More information

Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA

Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA INTEGRITYOne Partners, Inc. YOUR GROUP LIFE INSURANCE CONTAINS AN ACCELERATED BENEFITS OPTION. RECEIPT OF ACCELERATED BENEFITS

More information

YOUR GROUP LIFE INSURANCE PLAN

YOUR GROUP LIFE INSURANCE PLAN YOUR GROUP LIFE INSURANCE PLAN For Employees of Five Colleges 6CC000 B-13192 05-12 CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE OF BENEFITS...........................................

More information

VII. Life & Accident Insurance Programs Table of Contents

VII. Life & Accident Insurance Programs Table of Contents VII. Life & Accident Insurance Programs Table of Contents About This Section...1 An Overview of the Life and Accident Insurance Programs...2 How Benefits Are Paid...2 Basic Life Insurance...3 Imputed Income...3

More information

Voluntary Life Insurance Coverage paid by you

Voluntary Life Insurance Coverage paid by you Voluntary Life Insurance Coverage paid by you Employee All active, full-time U.S. Employees regularly working a minimum of 30 hours per week. Benefit Amount Units of $10,000 to $500,000, not to exceed

More information

YOUR GROUP LIFE INSURANCE PLAN

YOUR GROUP LIFE INSURANCE PLAN YOUR GROUP LIFE INSURANCE PLAN For Employees of Lincolnshire Prairie View School District 103 Class IV - Full-time Staff 6CC000 NIHIP Account 31 B-12602 11-14 Elec CONTENTS CERTIFICATION PAGE.............................................

More information

LIFE & ACCIDENT INSURANCE CERTIFICATE BOOKLET

LIFE & ACCIDENT INSURANCE CERTIFICATE BOOKLET LIFE & ACCIDENT INSURANCE CERTIFICATE BOOKLET GROUP INSURANCE FOR MONROE CO COMMUNITY COLLEGE SCHOOL NUMBER 704 TEACHERS The benefits for which you are insured are set forth in the pages of this booklet.

More information

Life and Accident coverage Table of contents

Life and Accident coverage Table of contents Life and Accident coverage Table of contents Introduction... 1 Highlights...2 Basic Group Life plan...4 Joining the plan...4 Coverage...4 Cost...4 In the event... 5 Supplementary Life Insurance plan...8

More information

THE ALUMNI INSURANCE PLAN

THE ALUMNI INSURANCE PLAN SPONSOR AND PRESENT THE ALUMNI INSURANCE PLAN GROUP INSURANCE UNDER YOUR PERSONAL CONTROL OPTIONAL ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE AVAILABLE DEVELOPED and ADMINISTERED by UNDERWRITTEN BY 1

More information

YOUR GROUP PERSONAL ACCIDENT INSURANCE (PAI) PLAN

YOUR GROUP PERSONAL ACCIDENT INSURANCE (PAI) PLAN YOUR GROUP PERSONAL ACCIDENT INSURANCE (PAI) PLAN For Employees of SANTA BARBARA COUNTY SUPERIOR COURT 6CC000 B-10135 2-12 (200) CONTENTS OUTLINE OF COVERAGE...........................................

More information

Your group insurance benefits City of Port Moody

Your group insurance benefits City of Port Moody Your group insurance benefits City of Port Moody CUPE Inside & Outside Your Group Insurance Benefits City Of Port Moody Class :104 CUPE Inside & Outside Policy :33773 Effective Date :May 1, 2013 Table

More information

Voluntary Term Life, Voluntary Personal Accident Insurance Overview

Voluntary Term Life, Voluntary Personal Accident Insurance Overview Voluntary Term Life, Voluntary Personal Accident Insurance Overview Prepared for the employees of Westminster College Voluntary Term Life Insurance Coverage paid by you What would happen to your family

More information

YOUR GROUP LIFE INSURANCE PLAN

YOUR GROUP LIFE INSURANCE PLAN YOUR GROUP LIFE INSURANCE PLAN For Employees of Baldwin County Commission 6CC000 B-13072 (8-11) CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE OF BENEFITS...........................................

More information

YOUR GROUP LIFE INSURANCE PLAN

YOUR GROUP LIFE INSURANCE PLAN YOUR GROUP LIFE INSURANCE PLAN For Participants in the Full Retirement Plan of St. Norbert College 6CC000 B-11196 9-07 CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE

More information

YOUR GROUP LIFE INSURANCE PLAN

YOUR GROUP LIFE INSURANCE PLAN YOUR GROUP LIFE INSURANCE PLAN For Employees of North Dakota Public Employees Retirement System 6CC000 B-13092 (01-14) CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE

More information

Group Voluntary Term Life Coverage Effective Date: 3/1/2014

Group Voluntary Term Life Coverage Effective Date: 3/1/2014 Policyholder: GLAHIT - Schreiner University Group Voluntary Term Life Coverage Effective Date: 3/1/2014 This summary of group voluntary term life coverage from Principal Life Insurance Company supplements

More information

Basic & Voluntary Term Life, Basic & Voluntary Personal Accident Insurance Overview Prepared for the employees of Hardy Diagnostics

Basic & Voluntary Term Life, Basic & Voluntary Personal Accident Insurance Overview Prepared for the employees of Hardy Diagnostics Basic & Voluntary Term Life, Basic & Voluntary Personal Accident Insurance Overview Prepared for the employees of Hardy Diagnostics Basic Term Life Insurance Coverage paid by your employer What would happen

More information

Voluntary Term Life Insurance Overview

Voluntary Term Life Insurance Overview Voluntary Term Life Insurance Overview Prepared for the employees of The Columbus Organization Voluntary Term Life Insurance Coverage paid by you What would happen to your family if you and your income

More information

BASIC LIFE AND ACCIDENTAL DEATH & DISMEMBERMENT UNDERWRITTEN BY LIFEWISE ASSURANCE COMPANY

BASIC LIFE AND ACCIDENTAL DEATH & DISMEMBERMENT UNDERWRITTEN BY LIFEWISE ASSURANCE COMPANY BASIC LIFE AND ACCIDENTAL DEATH & DISMEMBERMENT UNDERWRITTEN BY LIFEWISE ASSURANCE COMPANY This summary of benefits explains the key features of your Group Life and AD&D benef its. The contrac t between

More information

YOUR GROUP LIFE INSURANCE PLAN

YOUR GROUP LIFE INSURANCE PLAN YOUR GROUP LIFE INSURANCE PLAN 6CC000 B-14307 12-13 (E-Book) CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE OF BENEFITS........................................... 2

More information

TABLE OF CONTENTS THE SECTIONS OF THIS CERTIFICATE APPEAR IN THE FOLLOWING ORDER: Certificate Schedule. Definitions. Benefit Provisions.

TABLE OF CONTENTS THE SECTIONS OF THIS CERTIFICATE APPEAR IN THE FOLLOWING ORDER: Certificate Schedule. Definitions. Benefit Provisions. GROUP ACCIDENTAL DEATH AND DISMEMBERMENT CERTIFICATE OF INSURANCE Minnesota Life Insurance Company 400 Robert Street North St. Paul, MN 55101-2098 (Referred to in this Certificate as we, us, our) We issue

More information

LIFE & ACCIDENT INSURANCE CERTIFICATE BOOKLET

LIFE & ACCIDENT INSURANCE CERTIFICATE BOOKLET LIFE & ACCIDENT INSURANCE CERTIFICATE BOOKLET GROUP INSURANCE FOR PETOSKEY PUBLIC SCHOOLS SCHOOL NUMBER 198 SUPPORT STAFF WITH AND WITHOUT HEALTH The benefits for which you are insured are set forth in

More information

CONTENTS CERTIFICATION PAGE... 1 SCHEDULE OF BENEFITS... 2 EMPLOYEE'S INSURANCE... 7 DEPENDENT'S INSURANCE... 11

CONTENTS CERTIFICATION PAGE... 1 SCHEDULE OF BENEFITS... 2 EMPLOYEE'S INSURANCE... 7 DEPENDENT'S INSURANCE... 11 CONTENTS CERTIFICATION PAGE.......................... 1 SCHEDULE OF BENEFITS........................ 2 EMPLOYEE'S INSURANCE....................... 7 DEPENDENT'S INSURANCE...................... 11 LIFE

More information

Section. Basic Life Insurance and accidental Death & dismemberment insurance

Section. Basic Life Insurance and accidental Death & dismemberment insurance Section b Basic Life Insurance and accidental Death & dismemberment insurance Section Page Coverage...B. 1 General Provisions...B. 1 Appeal of Denied Claims...B. 3 Conversion Privilege...B. 4 Insurer...B.

More information

NORTHERN NEW ENGLAND BENEFIT TRUST LIFE INSURANCE ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE

NORTHERN NEW ENGLAND BENEFIT TRUST LIFE INSURANCE ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE NORTHERN NEW ENGLAND BENEFIT TRUST LIFE INSURANCE ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE LIFE INSURANCE ACCIDENTAL DEATH AND DISMEMBERMENT INTRODUCTION Life Insurance and Accidental Death & Dismemberment

More information

Basic & Voluntary Term Life, Basic & Voluntary Personal Accident Insurance Overview

Basic & Voluntary Term Life, Basic & Voluntary Personal Accident Insurance Overview Basic & Voluntary Term Life, Basic & Voluntary Personal Accident Insurance Overview Prepared for the employees of Lane Community College Basic Term Life Insurance Coverage What would happen to your family

More information

YOUR GROUP LIFE INSURANCE PLAN

YOUR GROUP LIFE INSURANCE PLAN YOUR GROUP LIFE INSURANCE PLAN For Employees of Harford County Public Schools ReliaStar Life Insurance Company P.O. Box 20 Minneapolis, MN 55440-0020 LC00GP B-11595 03-09 (3,000) TABLE OF CONTENTS CERTIFICATION

More information

YOUR GROUP LIFE INSURANCE PLAN

YOUR GROUP LIFE INSURANCE PLAN YOUR GROUP LIFE INSURANCE PLAN AUTOMOTIVE INDUSTRIES WELFARE FUND SUPPLEMENTAL LIFE INSURANCE $10,000 BENEFIT CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE OF BENEFITS...........................................

More information

Life Insurance. Group Insurance for School Employees FERRIS STATE UNIVERSITY INSTRUCTOR, FACULTY, LIBRARIAN

Life Insurance. Group Insurance for School Employees FERRIS STATE UNIVERSITY INSTRUCTOR, FACULTY, LIBRARIAN Life Insurance Group Insurance for School Employees FERRIS STATE UNIVERSITY INSTRUCTOR, FACULTY, LIBRARIAN Underwritten by Connecticut General Life Insurance Company 1475 Kendale Boulevard PO Box 2560

More information

Business Travel Accident Insurance Summary Plan Description. Northern Michigan University

Business Travel Accident Insurance Summary Plan Description. Northern Michigan University Business Travel Accident Insurance Summary Plan Description Designed specifically for employees of Northern Michigan University This booklet describes the Business Travel Accident Insurance Plan provided

More information

Uniformed Firefighters Association of Greater New York

Uniformed Firefighters Association of Greater New York The United States Life Insurance Company in the City of New York One World Financial Center 200 Liberty Street New York, NY 10281 (Herein Called The Insurance Company) Uniformed Firefighters Association

More information

Table of Contents. Section 5: Life, Accident, and Travel Benefits

Table of Contents. Section 5: Life, Accident, and Travel Benefits Table of Contents Section 5: YOUR CALTECH SURVIVOR BENEFIT PLANS... 5.1 GROUP LIFE INSURANCE PLAN... 5.2 Basic Benefit... 5.2 Supplemental Benefit... 5.2 Coverage Options... 5.2 Reduction at Ages 65 and

More information

PERSONAL ACCIDENT INSURANCE

PERSONAL ACCIDENT INSURANCE Who is Eligible for Coverage? PERSONAL ACCIDENT INSURANCE You, the Employee, are eligible for coverage, if you are an active full-time or part-time employee of Hanford Employee Welfare Trust (HEWT) sponsoring

More information

LIFE & ACCIDENT INSURANCE CERTIFICATE BOOKLET

LIFE & ACCIDENT INSURANCE CERTIFICATE BOOKLET LIFE & ACCIDENT INSURANCE CERTIFICATE BOOKLET GROUP INSURANCE FOR OSCODA AREA SCHOOLS SCHOOL NUMBER 626 TEACHERS WITH HEALTH The benefits for which you are insured are set forth in the pages of this booklet.

More information

YOUR GROUP LIFE INSURANCE PLAN

YOUR GROUP LIFE INSURANCE PLAN YOUR GROUP LIFE INSURANCE PLAN Account 2 6CC000 B-5172 7-13 (300) CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE OF BENEFITS...........................................

More information

Unum Life Insurance Company of America

Unum Life Insurance Company of America Unum Life Insurance Company of America 2211 Congress Street, Portland, Maine 04122 CERTIFICATE OF COVERAGE Policyholder...Georgia Bankers Association Policy Number...GSR 11061 Division, Subsidiary or Affiliate

More information

GROUP BENEFIT PROGRAM HIGHLIGHTS

GROUP BENEFIT PROGRAM HIGHLIGHTS Group Disability GROUP BENEFIT PROGRAM HIGHLIGHTS When the death of a family provider occurs, families find themselves facing not only the loss of a loved one but also the loss of their financial security.

More information

Overview. Survivor Insurance

Overview. Survivor Insurance Overview Survivor Insurance Survivor Insurance Boston University offers you insurance plans that provide benefits to help maintain financial security for your beneficiaries in the event of your death.

More information

YOUR GROUP LIFE INSURANCE PLAN

YOUR GROUP LIFE INSURANCE PLAN YOUR GROUP LIFE INSURANCE PLAN For Employees of Hendricks Community Hospital 6CC000 B-11654 (50) 10-08 CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE OF BENEFITS...........................................

More information

Virginia Polytechnic Institute and State University Voluntary Accidental Death & Dismemberment Insurance GTU 5091373

Virginia Polytechnic Institute and State University Voluntary Accidental Death & Dismemberment Insurance GTU 5091373 Virginia Polytechnic Institute and State University Voluntary Accidental Death & Dismemberment Insurance GTU 5091373 The following is a brief description of the Voluntary Accidental Death and Dismemberment

More information

HCC Life Insurance Company (A stock insurance company) CERTIFICATE OF INSURANCE

HCC Life Insurance Company (A stock insurance company) CERTIFICATE OF INSURANCE Group Term Life Insurance HCC Life Insurance Company (A stock insurance company) CERTIFICATE OF INSURANCE Policyholder: SAMPLE CONTRACT Policy Number: 1234 Policy Effective Date: XX/XX/XXXX Policy Anniversary

More information

YOUR GROUP BASIC LIFE & MONTHLY DISABILITY INCOME INSURANCE PLAN

YOUR GROUP BASIC LIFE & MONTHLY DISABILITY INCOME INSURANCE PLAN YOUR GROUP BASIC LIFE & MONTHLY DISABILITY INCOME INSURANCE PLAN For Employees of Kalispell School District #5 6CC000 B-15210 (12-14) CONTENTS LIFE INSURANCE CERTIFICATION PAGE.................................

More information

Bandera ISD Basic Life / AD&D Plan

Bandera ISD Basic Life / AD&D Plan Bandera ISD Basic Life / AD&D Plan Underwritten by: 4 Ever Life Insurance Company Administered by: Bay Bridge Administrators, LLC Eligibility: This program of Group Term Life Insurance is available to

More information

Life Insurance and AD&D

Life Insurance and AD&D Life Insurance and AD&D The plan provides you with life and accident coverage that gives you and your family protection against some of the financial hardships that can occur if you become injured or die.

More information

YOUR GROUP LIFE INSURANCE PLAN

YOUR GROUP LIFE INSURANCE PLAN YOUR GROUP LIFE INSURANCE PLAN Board of Regents for Oklahoma State University and the A&M Institutions 6CC000 B-9060 7-08 ELEC CONTENTS CERTIFICATION PAGE............................................. 1

More information

Participation Requirement: To implement the program, the greater of 20% or five employees must elect coverage.

Participation Requirement: To implement the program, the greater of 20% or five employees must elect coverage. Policyholder: INSURANCE OFFICE OF RAYMOND N. STRICKLAND JR, INC. Group Voluntary Term Life Coverage Effective Date: 3/1/2012 This summary of group voluntary term life coverage from Principal Life Insurance

More information

ACCIDENT INSURANCE ENDORSEMENT

ACCIDENT INSURANCE ENDORSEMENT THIS ENDORSEMENT ADDS ACCIDENT INSURANCE TO THE POLICY UNDER THE TERMS AND CONDITIONS STATED HEREIN, PLEASE READ IT CAREFULLY. ACCIDENT INSURANCE ENDORSEMENT NOTICE: THIS ENDORSEMENT PROVIDES ACCIDENT

More information

outlined in the conversion brochure which may be requested as needed. Premiums may change at this time.

outlined in the conversion brochure which may be requested as needed. Premiums may change at this time. Basic Term Life and Accident Insurance Overview Prepared for the employees of Ukpeagvik Inupiat Corporation Basic Term Life Insurance Coverage paid by your employer What would happen to your family if

More information

Disability, Life, and Accident Plans

Disability, Life, and Accident Plans Disability, Life, and Accident Plans Summary Plan Description 2000 Edition/Union-Represented Employees Space City Lodge No. 2766 The summary plan description (SPD) for this Plan is this booklet and any

More information

Voluntary Term Life Benefit Summary

Voluntary Term Life Benefit Summary Policyholder: Linfield College Voluntary Term Life Benefit Summary Effective Date: 04/01/2015 This chart provides you a brief summary of the key benefits of the life coverage available from Principal Life

More information

GROUP LIFE INSURANCE PROGRAM Group Life Insurance offers future protection for the people who depend on you for financial support today.

GROUP LIFE INSURANCE PROGRAM Group Life Insurance offers future protection for the people who depend on you for financial support today. GROUP LIFE INSURANCE PROGRAM Group Life Insurance offers future protection for the people who depend on you for financial support today. If you are a regular, full-time employee, the Getty Life Insurance

More information

COLORADO HIGHER EDUCATION INSURANCE BENEFITS ALLIANCE TRUST (CHEIBA TRUST)

COLORADO HIGHER EDUCATION INSURANCE BENEFITS ALLIANCE TRUST (CHEIBA TRUST) Mutual of Omaha Insurance Company Voluntary Accidental Death and Dismemberment Insurance Program Made Available By: COLORADO HIGHER EDUCATION INSURANCE BENEFITS ALLIANCE TRUST (CHEIBA TRUST) MC31649_1106

More information

YOUR GROUP LIFE INSURANCE PLAN

YOUR GROUP LIFE INSURANCE PLAN YOUR GROUP LIFE INSURANCE PLAN LOGO For Active Employees of Independent School District #15 6CC000 B-8575 8-06 E-Book CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE

More information

TRAVEL ACCIDENT INSURANCE

TRAVEL ACCIDENT INSURANCE TRAVEL ACCIDENT INSURANCE SUMMARY PLAN DESCRIPTION February 2014 Travel Accident Insurance Summary Plan Description for Oak Ridge Associated Universities Principle Address: P.O. Box 117 Oak Ridge, TN 37831-0117

More information

BURLINGTON NORTHERN SANTA FE LIFE INSURANCE AND ACCIDENTAL DEATH & DISMEMBERMENT PROGRAM. Summary Plan Description

BURLINGTON NORTHERN SANTA FE LIFE INSURANCE AND ACCIDENTAL DEATH & DISMEMBERMENT PROGRAM. Summary Plan Description BURLINGTON NORTHERN SANTA FE LIFE INSURANCE AND ACCIDENTAL DEATH & DISMEMBERMENT PROGRAM Summary Plan Description Effective January 1, 2006 TABLE OF CONTENTS BNSF...1 Page LIFE INSURANCE AND ACCIDENTAL

More information

YOUR GROUP LIFE AND ACCIDENTAL DEATH AND DISMEMBERMENT BENEFITS

YOUR GROUP LIFE AND ACCIDENTAL DEATH AND DISMEMBERMENT BENEFITS YOUR GROUP LIFE AND ACCIDENTAL DEATH AND DISMEMBERMENT BENEFITS Tooele City Corporation All Eligible Full-Time Regular Active Employees IMPORTANT INFORMATION THIS IS A NONPARTICIPATING POLICY PLEASE READ

More information

St. Thomas University

St. Thomas University St. Thomas University Group Policy Number: G0050234 Plan B: Support Staff Employee Name: Certificate Number: Welcome to Your Group Benefit Program Group Policy Effective Date: September 1, 2010 This Benefit

More information

Life Insurance & Voluntary AD&D Insurance

Life Insurance & Voluntary AD&D Insurance 30 Life Insurance & Voluntary AD&D Insurance Elective Benefits The Standard Life Insurance Plan Basic and Additional (Supplemental) Life Insurance Group Policy Effective Date January 1, 2012 It s not easy

More information

Employee Group Benefits UNDERWRITTEN BY SUN LIFE INSURANCE AND ANNUITY COMPANY OF NEW YORK. Marist College

Employee Group Benefits UNDERWRITTEN BY SUN LIFE INSURANCE AND ANNUITY COMPANY OF NEW YORK. Marist College Employee Group Benefits UNDERWRITTEN BY SUN LIFE INSURANCE AND ANNUITY COMPANY OF NEW YORK Marist College GROUP POLICY NUMBER - 810015 POLICY EFFECTIVE DATE - 93C-LH-NY Welcome to Sun Life Insurance and

More information

Saudi Arabian Oil Company (Saudi Aramco)

Saudi Arabian Oil Company (Saudi Aramco) Saudi Arabian Oil Company (Saudi Aramco) U.S. Dollar Payroll Group Life Insurance Plan January 1, 2016 January 1, 2016 GROUP INSURANCE PLAN WHO IS ELIGIBLE... 1 HOW TO PARTICIPATE... 1 COST AND FUNDING...

More information

Additional Life Coverage Highlights Johnson County Community College

Additional Life Coverage Highlights Johnson County Community College Additional Life and Accidental Death and Dismemberment (AD&D) Insurance Standard Insurance Company has developed this document to provide you with information about the optional coverage you may select

More information

EMPLOYEE BENEFITS LIFE INSURANCE PLAN

EMPLOYEE BENEFITS LIFE INSURANCE PLAN EMPLOYEE BENEFITS LIFE INSURANCE PLAN AXA China Region offers:- Security for the dependants of your employees Low cost life insurance cover Benefit payable for death from any cause Competitive rates Efficient

More information

YOUR GROUP LIFE INSURANCE PLAN

YOUR GROUP LIFE INSURANCE PLAN YOUR GROUP LIFE INSURANCE PLAN For Employees of Warehouse Employees Union Local No. 730 Health & Welfare Trust Fund ReliaStar Life Insurance Company P.O. Box 20 Minneapolis, MN 55440-0020 B-13577 B-13577

More information

YOUR GROUP SUPPLEMENTAL LIFE INSURANCE PLAN

YOUR GROUP SUPPLEMENTAL LIFE INSURANCE PLAN YOUR GROUP SUPPLEMENTAL LIFE INSURANCE PLAN For Employees of COUNTY OF SANTA BARBARA 6CC000 B-14025 3-13 (E-Book) CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE OF

More information

Stand Alone Accidental Death and Dismemberment Program. Description of Benefits

Stand Alone Accidental Death and Dismemberment Program. Description of Benefits Stand Alone Accidental Death and Dismemberment Program Description of Benefits When to Use this Product When you need ultimate flexibility to choose desired AD&D coverage benefits When customization of

More information

Additional Life Insurance with AD&D Coverage Highlights The Salvation Army

Additional Life Insurance with AD&D Coverage Highlights The Salvation Army Accidental Death and Dismemberment (AD&D) Standard Insurance Company has developed this document to provide you with information about the optional coverage you may select through. Written in non-technical

More information

Employee Benefit Guide

Employee Benefit Guide Employee Benefit Guide January 2011 2 The City of St. Albert Employee Benefit Handbook Welcome to the City of St. Albert Employee Benefits. We ve got you covered. Welcome aboard and congratulations on

More information

GROUP TERM LIFE INSURANCE

GROUP TERM LIFE INSURANCE GROUP TERM LIFE INSURANCE Cambridge Isanti Independent School District #911 Cambridge, MN ECMECC Secretary of Wisconsin, Inc. MADISON NATIONAL LIFE INSURANCE COMPANY, INC. Mailing Address: P.O. Box 5008,

More information

YOUR GROUP LIFE INSURANCE PLAN

YOUR GROUP LIFE INSURANCE PLAN YOUR GROUP LIFE INSURANCE PLAN 6CC000 B-13995 3-13 (Elec) CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE OF BENEFITS........................................... 2 Life

More information

GROUP LIFE INSURANCE POLICY

GROUP LIFE INSURANCE POLICY GROUP LIFE INSURANCE POLICY Sponsor: Lee County Board of County Commissioners Policy Number: SA3-850-291182-01 Effective Date: January 1, 2014 Governing Jurisdiction is Florida and subject to the laws

More information

Life and Accident Coverage

Life and Accident Coverage Life and Accident Coverage Your Life and Accident Insurance benefits are designed to provide financial security for your survivors in the event of your death, and for you, in case of accidental dismemberment,

More information

TEAMSTERS CANADA RAIL CONFERENCE HEALTH AND WELFARE TRUST LONG TERM DISABILITY GROUP PLAN

TEAMSTERS CANADA RAIL CONFERENCE HEALTH AND WELFARE TRUST LONG TERM DISABILITY GROUP PLAN TEAMSTERS CANADA RAIL CONFERENCE HEALTH AND WELFARE TRUST LONG TERM DISABILITY GROUP PLAN LOCOMOTIVE ENGINEERS OF CANADIAN PACIFIC RAILWAY This Booklet Contains Important Information And Should Be Kept

More information

Term Life and Accident Insurance

Term Life and Accident Insurance Term Life and Accident Insurance 811761 a 06/12 Developed for the Employees of Board of Regents of the University System of Georgia Life Insurance Who Needs Life Insurance? You do. Single or married.

More information

Personal Accident Insurance

Personal Accident Insurance Personal Accident Insurance Developed for the Employees of Texas Association of Business Member Firms 817762 a 06/12 Who Needs Personal Accident Insurance? You do. Accident insurance can help you pay expenses

More information

Summary Plan Description

Summary Plan Description 1199SEIU National Benefit Fund for Home Care Employees Summary Plan Description of Your Health and Welfare Benefits SECTION IV LIFE INSURANCE BENEFIT Home Care members were not eligible for a Life Insurance

More information

Group Life and AD&D Plan

Group Life and AD&D Plan Group Life and AD&D Plan TABLE OF CONTENTS (Click on any item below to go to that section) Introduction Group Life and AD&D Overview Life Insurance Optional Life Insurance Dependent Life Insurance Proof

More information