Page 12 - 2018 CareHere Enrollment
P. 12
2018 Benefits Enrollment
Life and Disability Insurance
Life and disability insurance is provided through Cigna.
Basic Life and Accidental Death and
Dismemberment (AD&D)
The company automatically provides you a beneit of $50,000, at no
cost to you, for life insurance and accidental death and dismemberment
insurance.
Employee Voluntary Life
You are eligible to purchase voluntary life insurance in increments of
$10,0000 up to the lesser of 5 times your annual salary or $500,000. You
may elect up to $200,000 without completing Evidence of Insurability
(EOI). At age 70, your coverage will reduce to 65% of the amount in
force. Once you turn 75, coverage will be reduced to 50% of the amount
If you elected coverage when in force prior to age 70.
initially available, each year at
annual enrollment, you may increase
your coverage amount by $10,000 Spouse and Dependent Voluntary Life
or $20,000 up to the guaranteed If you elect voluntary life coverage for yourself, you can also elect
issue amount of $200,000 without voluntary life coverage for your spouse in coverage increments of $5,000
answering any medical questions. If
you elected coverage for your spouse up to the lesser of $250,000 or 100% of the employee elected amount.
when he/she was initially eligible, you You may elect $35,000 of coverage for your spouse without completing
may increase your spouse’s coverage evidence of insurability. At age 70, your coverage will reduce to 65% of
amount by $5,000 or $10,000 up the amount in force. Once you turn 75, coverage will be reduced to 50%
to the guaranteed issue amount
of $35,000. Each year at annual of the amount in force prior to age 70. Dependent child life coverage is
enrollment, you may elect coverage available in $2,000 increments up to $10,000 for children age 6 months to
for your dependent children without 26.
answering any medical questions.
If you do not elect coverage for
yourself or your spouse when initially
eligible, you must complete evidence
of insurability and be approved for
coverage.
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Life and Disability Insurance
Life and disability insurance is provided through Cigna.
Basic Life and Accidental Death and
Dismemberment (AD&D)
The company automatically provides you a beneit of $50,000, at no
cost to you, for life insurance and accidental death and dismemberment
insurance.
Employee Voluntary Life
You are eligible to purchase voluntary life insurance in increments of
$10,0000 up to the lesser of 5 times your annual salary or $500,000. You
may elect up to $200,000 without completing Evidence of Insurability
(EOI). At age 70, your coverage will reduce to 65% of the amount in
force. Once you turn 75, coverage will be reduced to 50% of the amount
If you elected coverage when in force prior to age 70.
initially available, each year at
annual enrollment, you may increase
your coverage amount by $10,000 Spouse and Dependent Voluntary Life
or $20,000 up to the guaranteed If you elect voluntary life coverage for yourself, you can also elect
issue amount of $200,000 without voluntary life coverage for your spouse in coverage increments of $5,000
answering any medical questions. If
you elected coverage for your spouse up to the lesser of $250,000 or 100% of the employee elected amount.
when he/she was initially eligible, you You may elect $35,000 of coverage for your spouse without completing
may increase your spouse’s coverage evidence of insurability. At age 70, your coverage will reduce to 65% of
amount by $5,000 or $10,000 up the amount in force. Once you turn 75, coverage will be reduced to 50%
to the guaranteed issue amount
of $35,000. Each year at annual of the amount in force prior to age 70. Dependent child life coverage is
enrollment, you may elect coverage available in $2,000 increments up to $10,000 for children age 6 months to
for your dependent children without 26.
answering any medical questions.
If you do not elect coverage for
yourself or your spouse when initially
eligible, you must complete evidence
of insurability and be approved for
coverage.
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