Page 17 - 2021 Master's University Benefit Brochure_Final3

Additional Benefits

Basic Life/AD&D – Employee Only – Anthem Blue Cross (100% Employer Paid)
The Master’s University & Seminary provides basic life insurance at no cost to you. Your life & AD&D
benefit amount is 1 times annual earnings up to $150,000. Minimum benefit is $20,000. Benefits
receive a 35% reduction at age 65 and a 50% reduction at age 70.

Optional Life/AD&D – Anthem Blue Cross (Voluntary - 100% Employee Paid)

• Employee benefit – in increments of $10,000 up to $300,000 not to exceed 5x base annual salary.
Evidence of Insurability needed for amounts over $100,000, if you are a new hire. All amounts are
subject to Evidence of Insurability for exsiting employees.
• Spouse benefit –increments of $5,000 up to $150,000 not to exceed 50% of employee amount.

Evidence of Insurability needed for amounts over $25,000. All amounts are subject to Evidence of
Insurability for late entrants.
• Child benefit (15 days - age 26) – increments of $1,000 up to $10,000, not to exceed 50% of
employee amount.
• Benefits receive a 35% reduction at age 65; 50% reduction at age 70
• Optional AD&D is automatically provided to anyone enrolled in Optional Life insurance; amount is
the same as the elected Optional Life amount.

Long Term Disability – Anthem Blue Cross (100% Employer Paid)
Replaces 60% of your monthly income up to a Max of $6,000/month, after you have been disabled for
90 days.

Resource Advisor – Anthem Blue Cross (100% Employer Paid)
Anthem’s Resource Advisor provides trained professionals to assist you with personal and workplace
issues. The program is voluntary and confidential; only your Employee Assistance Program professional
will know you have called. This program is paid for by The Master’s University & Seminary and also
includes assistance for your immediate dependent family members.

Helpful resources include: financial planning, legal services, identity theft recovery, and counselors who
can help with stress, parenting, anxiety, grief, and much more.

• By phone: Call 1-888-209-7840.
• In-person: You can call to set up face-to-face sessions and then schedule appointments directly with
your counselor.
• Video visit: You can talk with a counselor from the convenience of your home or wherever you have
internet access and privacy using LiveHealth Online. To set up a LiveHealth Online visit, call Resource
Advisor. You will receive details about how to schedule a visit, along with a coupon code that gives
you LiveHealth Online visits at no extra cost to you.

The Master’s University & Seminary Page 16
2021 Employee Benefits Brochure