Home › Administration › Human Resources › Employees › Benefits › Life Insurance ›

Eligibility

EMPLOYEE ELIGIBILITY

Minimum Work-Hours Required

  • 30 hours per week

Eligibility Waiting Period

You are eligible for insurance under the policy, provided you are eligible for life insurance under an other group plan.

Confinement Rule

If an eligible employee is confined due to an injury or sickness:

  • in a hospital as an inpatient;
  • in any institution or facility other than a hospital; or
  • at home and under the supervision of a Physician;

Insurance will begin on the day the employee returns to active employment. If an eligible Employee is not confined and not available for work because of an
Injury or Sickness, insurance will begin on the day the Employee returns to Active
Employment.

When Insurance Begins

Amounts of Insurance NOT in Excess of the Guaranteed Issue Limit

If an Employee’s properly completed and signed enrollment form is received on, before or within 31 days following the day the Employee becomes eligible, the Employee will become insured on the later of:

  • the day the Employee becomes eligible; or
  • the date the enrollment form is properly completed and signed by the Employee;

provided the Employee is Actively Working on that day.

Amounts of Insurance in Excess of the Guaranteed Issue Limit

The Employee will become insured on the day We approve the statement of physical condition or other evidence of good health for the amount of life insurance applied for which is in excess of the Guaranteed Issue Limit, provided the Employee is Actively Working on that day.

When Your Amount of Insurance Changes

Any increase in the amount of Your insurance will take effect:

  • on the day of the change, if We do not require a statement of physical condition or evidence of good health; or
  • on the day We approve the statement of physical condition or evidence of good health, if such statement or evidence is required;

provided You are Actively Working on that day. If You are not Actively Working on the day the increase in insurance would otherwise take effect, the insurance will begin on the day You return to Active Work.

You may elect to increase Your amount of insurance by up to $10,000 without providing Us with a statement of physical condition or evidence of good health once a year on the employer’s Policy anniversary. This increase will be subject to any Guaranteed Issue requirements and will in no event exceed the maximum amount of Life Insurance Benefits shown in the Policy.

When Your Insurance Ends

Your insurance will end at midnight at the main office of the Policyholder on the earliest of:

  • the day the Policyholder withdraws insurance;
  • the day any premium contribution for Your insurance is due and unpaid;
  • the day before You enter the Armed Forces on active duty (except for temporary active duty of two weeks or less); or
  • the day You are no longer eligible.

You will no longer be eligible when the earliest of the following occurs:

  • Your employment with the Policyholder ends;
  • You are not Actively Employed; or
  • You do not satisfy any other eligibility condition described in the Policy.

DEPENDENT ELIGIBILITY

Dependent means

Your lawful spouse who is less than age 70.

Your child who is:

  • natural-born;
  • legally adopted;
  • a stepchild living in Your home; or a child:
  • You are raising as Your own child;
  • who is living in Your home and chiefly dependent on You for support; and
  • for whom You have full parental responsibility and control; all as indicated by evidence acceptable to Us.

Limiting Age

Coverage for a Dependent Child will end when the child attains the Limiting Age. Limiting Age means:

  • the child’s 21st birthday; or
  • the child’s 25th birthday, if the child is attending an accredited high school, trade school, college or university as a full-time student.

Your newborn child, born while You are insured under the Policy, is eligible for insurance from birth. Benefits will begin at the age of 14 days.

When Dependent Insurance Begins

Amounts of Insurance NOT in Excess of the Guaranteed Issue Limit
If an Employee’s properly completed and signed enrollment form for Dependent insurance is received on, before or within 31 days following the day the Employee becomes eligible, the Dependent will become insured on the later of:

  • the day the Employee becomes insured; or
  • the date the enrollment form is properly completed and signed by the Employee;

provided the Dependent is not confined or Disabled on that day.

Amounts of Insurance in Excess of the Guaranteed Issue Limit

The Dependent will become insured on the day We approve the statement of physical condition or other evidence of good health for the amount of life insurance applied for which is in excess of the Guaranteed Issue Limit, provided the Dependent is not confined or Disabled on that day.

Change in the Amount of Dependent Insurance

Any change in the insurance of a Dependent who is confined or Disabled will take effect as follows:

  • in the event of an increase in coverage, and if the Dependent is not confined or Disabled;
  • on the day of the change if We do not require a statement of physical condition or evidence of good health; or
  • on the day We approve of the statement of physical condition or evidence of good health, if such evidence is required;
  • in the event of a decrease in coverage, on the day of the change.

When Dependent Insurance Ends

Dependent insurance will end at midnight at the main office of the Policyholder on the earliest of:

  • the day the Policy ends;
  • the day the Dependent spouse attains age 70;
  • the day any premium contribution for Dependent insurance is due and unpaid;
  • the day before a Dependent enters the Armed Forces on active duty (except for temporary active duty of two weeks or less);
  • the day Your insurance is continued without payment of premium;
  • the day Dependent insurance under the Policy ends because of lack of participation;
  • the day Your insurance ends; or
  • the day the Dependent is no longer eligible.