Page 15 - 2022 Apollo Healthcare - Benefit Guide Oasis at Galleria Eff. 8-1-22

Life / AD&D Insurance:

Mutual of Omaha

Voluntary Life Insurance and Accidental Death & Dismemberment (AD&D)

We offer all full-time employees a Voluntary Life / AD&D policy for yourselves, your spouse, and your dependent
children. In order to elect coverage for a spouse or child, you must elect coverage for yourself. This plan is offered
through a competitive group policy by your employer. It is 100% employee cost and will be paid through payroll
deduction. Rates are based on Employees age. Your benefits will reduce to 65% at age 65, and to 50% at age 75.
Spouse Coverage terminates when you reach age 75.

Employee Life / AD&D Spouse Life / AD&D Child Life / AD&D

Maximum Benefit 100% of Employee’s Benefit,
5x Annual Salary, up to $500,000 $10,000
Amount up to $250,000

Minimum Benefit
$10,000 $5,000 $10,000
Amount

Guarantee Issue
100% of Employee’s Benefit,
Amount—New Hires & 5x Annual Salary, up to $150,000 up to $30,000 $10,000
2022 Open Enrollment

Living Care Benefit /
Accelerated Death 80% of your Life Benefit can be obtained if diagnosed with a terminal illness.
Benefit

If it is determined that you are totally disabled, your life insurance benefit will continue without
Waiver of Premium
payment of premium, subject to certain conditions.

Additional AD&D In addition to basic AD&D benefits, you are protected by the following benefits:
Benefits COMA—Paralysis—Seat Belt—Child Education—Airbag—Common Carrier

The portability feature allows you to continue this insurance for yourself and your dependents (if
applicable) should your employment end, subject to the terms of eligibility defined in the policy,
Portability Benefit
without having to provide evidence of insurability (information about your health). This feature
requires the member to contact Mutual of Omaha to initiate.

You may also convert your policy without having to provide evidence of insurability (information
Conversation Benefit
about your health). This feature requires the member to contact Mutual of Omaha to initiate.

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