Additional Plan Features

Accidental Death and Dismemberment (AD&D)

Provides beneficiaries with additional financial protection if an insured’s death or dismemberment is due to a covered accident, whether it occurs at work or elsewhere.

Portability & Conversion 

Take your coverage with you – If you are no longer eligible for coverage as an active employee, you may be eligible to port your group life insurance coverage, or you may convert your life coverage to an individual life insurance policy. Premiums may be higher than those paid by active employees.

Accelerated Death Benefit

Early benefit payments if diagnosed as terminally ill – If an insured person becomes terminally ill with a life expectancy of 12 months or less, you may request early payment of up to 100 percent of the life insurance amount, not to exceed $1,000,000.

Waiver of Premium

No premiums if you become disabled – If you become totally disabled according to the terms of your certificate, life insurance premiums may be waived.