Page 28 - 2018 Capgemini Enrollment
P. 28
Optional Life Insurance Optional Life Rates
If you need life insurance coverage beyond what is provided at no cost Your Age Monthly Rate
to you by the Basic Life Insurance Plan, you can enroll in Optional Life
Insurance ofered through Unum. Under 30 $.075
This option enables you to purchase Optional Life Insurance coverage 30 - 34 $.115
for yourself and your eligible dependents during the Annual Enrollment 35 - 39
period. $.115
You may elect $10,000 increments up to ive times your annual earnings 40 - 44 $.195
or $750,000 (whichever is less). You can elect coverage for your 45 - 49 $.315
spouse in $5,000 increments up to $50,000 and coverage for your
dependent children in $2,500 increments up to $10,000. 50 - 54 $.525
During Annual Enrollment, if you are currently enrolled in Optional Life, 55 - 59 $.895
you may increase your coverage, up to the guarantee issue amount 60 - 64 $1.055
without Evidence of Insurability.
65+ $1.080
Evidence of Insurability
Evidence of Insurability (EOI), also known as proof of good health, is Rates are monthly per $1,000 of coverage
Insurance Age: Your rate is based your actual age as of the efective date of the group policy or
required by the insurance company for certain beneit elections. The efective date of coverage. Your rate will increase as you age and move to the next age band.
maximum amount of coverage you may have under the Optional Life
Insurance Plan without EOI is $200,000 for you and $25,000 for your Optional Accidental Death and Dismemberment
spouse. Any coverage over these amounts is subject to EOI and will
become efective on the date the EOI is approved by the insurance If you elect Optional Life Insurance for yourself, you will receive an
company. EOI will also be required when electing coverage for the irst AD&D beneit equal to your Optional Life Insurance up to $500,000.
time, and this is not your initial eligibility period. The AD&D monthly rate is $.025 per $1,000 of coverage.
The EOI form can be downloaded from Capgemini’s benergy website Beneficiary Designations
( www.capgeminiFS.benergy.com ). Any changes requiring EOI will
take efect after the EOI is approved by the insurance company. Until You must select a beneiciary. However, beneiciary designations allow
then, you will remain at your current level of coverage.
you to split up your total insurance beneit among multiple beneiciaries.
If you select multiple beneiciaries, your total beneiciary designations
must equal 100%.
To review or update your beneiciary designation, go to the Beneits
Service Site at www.unum_capgemini.bswift.com .
CAPGEMINI 2018 BENEFITS GUIDE 25
If you need life insurance coverage beyond what is provided at no cost Your Age Monthly Rate
to you by the Basic Life Insurance Plan, you can enroll in Optional Life
Insurance ofered through Unum. Under 30 $.075
This option enables you to purchase Optional Life Insurance coverage 30 - 34 $.115
for yourself and your eligible dependents during the Annual Enrollment 35 - 39
period. $.115
You may elect $10,000 increments up to ive times your annual earnings 40 - 44 $.195
or $750,000 (whichever is less). You can elect coverage for your 45 - 49 $.315
spouse in $5,000 increments up to $50,000 and coverage for your
dependent children in $2,500 increments up to $10,000. 50 - 54 $.525
During Annual Enrollment, if you are currently enrolled in Optional Life, 55 - 59 $.895
you may increase your coverage, up to the guarantee issue amount 60 - 64 $1.055
without Evidence of Insurability.
65+ $1.080
Evidence of Insurability
Evidence of Insurability (EOI), also known as proof of good health, is Rates are monthly per $1,000 of coverage
Insurance Age: Your rate is based your actual age as of the efective date of the group policy or
required by the insurance company for certain beneit elections. The efective date of coverage. Your rate will increase as you age and move to the next age band.
maximum amount of coverage you may have under the Optional Life
Insurance Plan without EOI is $200,000 for you and $25,000 for your Optional Accidental Death and Dismemberment
spouse. Any coverage over these amounts is subject to EOI and will
become efective on the date the EOI is approved by the insurance If you elect Optional Life Insurance for yourself, you will receive an
company. EOI will also be required when electing coverage for the irst AD&D beneit equal to your Optional Life Insurance up to $500,000.
time, and this is not your initial eligibility period. The AD&D monthly rate is $.025 per $1,000 of coverage.
The EOI form can be downloaded from Capgemini’s benergy website Beneficiary Designations
( www.capgeminiFS.benergy.com ). Any changes requiring EOI will
take efect after the EOI is approved by the insurance company. Until You must select a beneiciary. However, beneiciary designations allow
then, you will remain at your current level of coverage.
you to split up your total insurance beneit among multiple beneiciaries.
If you select multiple beneiciaries, your total beneiciary designations
must equal 100%.
To review or update your beneiciary designation, go to the Beneits
Service Site at www.unum_capgemini.bswift.com .
CAPGEMINI 2018 BENEFITS GUIDE 25
