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Life Insurance Changes – May 1st
During Open Enrollment last year, we mentioned that a special enrollment will be conducted giving active employees the option to enroll or change life insurance coverage. While changes to life insurance coverage and beneficiary information can be made at any time during the year, we are conducting a special period during which employees can review life insurance needs in light of the new increased levels of coverage, as well as review current beneficiary information. Your current life insurance enrollment and beneficiary information can be found on the Benefits Statement recently mailed to your home last month.
The special enrollment period will take place March 23rd through March 31st with changes effective May 1st or thereafter. Employees will have the option to elect basic and or supplemental life insurance for the first time, increase or decrease supplemental life insurance levels, and add or terminate dependent life insurance. The coverage levels offered are increasing for dependent and supplemental life insurance, while the coverage level for the basic life insurance remains the same. If electing basic or supplemental coverage for the first time or increasing your supplemental coverage you will have to complete an Evidence of Insurability (EOI) form which will be reviewed by Minnesota Life, the life insurance carrier. Coverage for you or your spouse may be approved or denied based on health status. Children are always automatically approved for coverage.
Increased Coverage for Dependent Life Insurance
The current $2,000/$1,000 benefit will no longer be offered. This benefit will terminate April 30, 2015 for all employees currently enrolled. Employees will need to choose one of the three new options listed above to continue coverage. During this special enrollment, no EOI is required for your spouse if electing either of the first two levels of coverage. Your spouse will have to complete an EOI form if electing the maximum coverage level of $30,000 spouse/$15,000 child life and may be denied based on health status. If you do not elect dependent coverage during this special enrollment, but decide to elect at a later date, your spouse will have to provide EOI regardless of coverage level elected. Children up to the age of 26 can be covered and are never subject to evidence of insurability.
Increase Coverage for Supplemental Life Insurance
Effective May 1, 2015, active employees will now have the option to purchase supplemental coverage up to 5 times the base salary up to a maximum of $750,000. With this increase in salary multiple, total life insurance coverage can be up to $950,000. The rates for the supplemental life coverage will remain the same. It is based on coverage amount and age, and increases every five years until age 70. The basic life insurance benefit will remain the same.
This change will be effective May 1, 2015. The special enrollment period will be held from March 23, 2015 to March 31, 2015.