Page 245 - Washington Nationals 2023 Benefits Guide -10.26.22_Neat

Table of Contents

COVERAGE FEATURES ................................................................................................ 1
GENERAL POLICY INFORMATION ........................................................................... 1
BECOMING INSURED ............................................................................................. 1
PREMIUM CONTRIBUTIONS .................................................................................... 3
SCHEDULE OF INSURANCE ................................................................................... 3
REDUCTIONS IN INSURANCE ................................................................................. 6
OTHER BENEFITS ................................................................................................... 6
OTHER PROVISIONS ............................................................................................... 7
ERISA SUMMARY PLAN DESCRIPTION INFORMATION ........................................... 8
LIFE INSURANCE .......................................................................................................... 9
A. Insuring Clause ................................................................................................. 9
B. Amount Of Life Insurance ................................................................................. 9
C. Changes In Life Insurance ................................................................................. 9
D. Repatriation Benefit .......................................................................................... 9
E. Suicide Exclusion: Life Insurance ...................................................................... 9
F. When Life Insurance Becomes Effective ........................................................... 10
G. When Life Insurance Ends .............................................................................. 10
H. Reinstatement Of Life Insurance ..................................................................... 11
DEPENDENTS LIFE INSURANCE ................................................................................ 11
A. Insuring Clause ............................................................................................... 11
B. Amount Of Dependents Life Insurance ............................................................ 11
C. Changes In Dependents Life Insurance............................................................ 11
D. Suicide Exclusion: Dependents Life Insurance ............................................... 12
E. Definitions For Dependents Life Insurance ...................................................... 12
F. Becoming Insured For Dependents Life Insurance ........................................... 12
G. When Dependents Life Insurance Ends ........................................................... 13
ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE ....................................... 14
A. Insuring Clause ............................................................................................... 14
B. Definition Of Loss For AD&D Insurance .......................................................... 14
C. Amount Payable .............................................................................................. 14
D. Changes In AD&D Insurance .......................................................................... 14
E. AD&D Insurance Exclusions ........................................................................... 14
F. Additional AD&D Benefits ................................................................................ 15
G. Becoming Insured For AD&D Insurance .......................................................... 16
H. When AD&D Insurance Ends ........................................................................... 17
ACTIVE WORK PROVISIONS ....................................................................................... 17
PORTABILITY OF INSURANCE .................................................................................... 17
WAIVER OF PREMIUM ................................................................................................ 18
ACCELERATED BENEFIT ............................................................................................ 19
RIGHT TO CONVERT ................................................................................................... 21
CLAIMS ....................................................................................................................... 22
ASSIGNMENT .............................................................................................................. 24
BENEFIT PAYMENT AND BENEFICIARY PROVISIONS ................................................ 25
ALLOCATION OF AUTHORITY ..................................................................................... 27
TIME LIMITS ON LEGAL ACTIONS .............................................................................. 28
INCONTESTABILITY PROVISIONS ............................................................................... 28
CLERICAL ERROR AND MISSTATEMENT .................................................................... 28
TERMINATION OR AMENDMENT OF THE GROUP POLICY ......................................... 29
DEFINITIONS .............................................................................................................. 29
ERISA INFORMATION AND NOTICE OF RIGHTS ......................................................... 32