Page 21 - Lyon Benefits Guide 01-18 CA - FINAL

[EMPLOYEE BENEFITS]

LIFE AND AD&D INSURANCE VALUE-ADDED SERVICES

HARTFORD | BASIC LIFE AND AD&D HARTFORD | FUNERAL HARTFORD | BENEFICIARY ASSIST
Life insurance protects your family or other beneficiaries in the event of your death while you are still actively employed with the company. PLANNING AND CONCIERGE Beneficiary Assist provides you, your eligible beneficiaries, and
Lyon Living pays for coverage, offered through Hartford, in the amount of 1x your annual salary to a maximum benefit of $400,000. The death of a loved one is one of life’s most stressful situations. immediate family members with support after the loss of a loved one.
If your death is due to a covered accident or injury, your beneficiary will receive an additional amount through Accidental Death and Lyon Living offers a funeral planning and concierge service through
Dismemberment (AD&D) coverage. Please note, age reductions apply. Services include:
Hartford, provided by Everest. Everest’s advisors can help you
understand all of your options and put them into action while • 24/7 phone access to help related to the death of yourself
HARTFORD | VOLUNTARY LIFE AND AD&D staying within budget. or a loved one
In addition to the company provided Basic Life and AD&D benefits, you may elect to purchase additional Term Life and AD&D • Emotional or grief counseling for up to one year following
insurance at discounted group rates provided by Hartford. If elected, you pay for this coverage with after-tax dollars through convenient Services include: the date a claim is filed
payroll deductions. • 24/7 Advisor support • Up to five face-to-face sessions or equivalent professional time
• Price Finder Research Reports for one service or a combination
Life insurance benefits are available in the following amounts: • At-need family concierge support services • Financial information and resources
• Employee: Benefits for yourself are available in increments of $10,000 up to a maximum benefit of $500,000, not to exceed 3 times • Express claim processing • Legal support and resources
your annual salary.
• Spouse: If you buy coverage for yourself, you may also purchase coverage for your eligible spouse. Benefits for your spouse are
available in increments of $10,000 to a maximum benefit of $50,000 and may not exceed 100% of your employee election.
• Child(ren): If you buy coverage for yourself, you may also purchase coverage for your eligible dependent child(ren). Benefits for your FOR MORE INFORMATION FOR MORE INFORMATION
child(ren) are available in the amount of $2,500 or $5,000. Children ages 14 days to six months can be covered with a $500 benefit. Go to www.everestfuneral.com/hartford Call (800) 411-7239.
(Code: HFEVLC) or call (866) 854-5429.
Guarantee issue is a pre-approved amount of coverage that does not require you to provide proof of good health, and is available to you
during your initial eligibility period (upon hire). Guarantee issue is available in the following amounts:
• Employee = The lesser of 3x your annual salary or $200,000 HARTFORD | WILL PREPARATION HARTFORD | TRAVEL ASSIST
• Spouse = $20,000
• Child(ren) = N/A As an employee of Lyon Living, Hartford provides you with access AND ID THEFT PROTECTION
to EstateGuidance Will Services through ComPsych. Services are Lyon Living provides a Travel Assistance and ID Theft Protection
If you are no longer in your initial eligibility period, you may enroll in Voluntary Life and AD&D insurance anytime during the year, as provided by Hartford to help you create a simple, legally binding will to you at no cost. This program, arranged by The Hartford and
long as you provide proof of good health. To provide proof of good health, you will be asked to complete a health questionnaire and quickly and conveniently online, saving you the time and expense provided by Europ Assistance USA, offers emergency assistance
are subject to insurance carrier approval. Hartford may approve or decline coverage based on a review of your health history. of a private legal consultation. This programs provides you with the when you and/or your family are traveling 100+ miles for business
ability to save drafts for up to six months. During this period, you
can revise your will at no cost, as long as you haven’t already printed or pleasure. Eurpo Assistance USA also helps protect you and
or downloaded it. You’ll also receive online assistance from licensed your family from the consequences of identity theft at home and
DISABILITY INSURANCE attorneys should you have questions. Additional estate planning
while you travel.
services are also available for a purchase, including the creation
of living wills and trusts, guidance about divorce proceedings, and Services include:
Emergency medical assistance
•
HARTFORD | VOLUNTARY SHORT TERM DISABILITY durable power of attorney. • Pre-trip information
Lyon Living offers you the opportunity to purchase Voluntary Short Term Disability (STD) income replacement at discounted group Services include: • Emergency personal services
rates, through Hartford. If you experience a temporary disability, benefits begin on the 8th day following the start of your disability and • 24/7 Advisor support • Identity theft assistance
will continue up to a maximum of 12 weeks. California State Disability provides a benefit of 60% of your pre-disability earnings (or 70% • Online planning tools
for those making less than 1/3 of the state’s average quarterly wage) up to a maximum benefit set by the state of California. In addition to • At-need family concierge support services
California State Disability, this plan pays an additional 20% of your pre-disability earnings up to a maximum benefit of $1,000 per week. • Express claim processing

HARTFORD | LONG TERM DISABILITY
Lyon Living offers you Long Term Disability (LTD) to provide income replacement if you become disabled for an extended period of FOR MORE INFORMATION
time, through Hartford. If you become totally and permanently disabled, benefits begin 90 days after the start of your illness or injury FOR MORE INFORMATION In the US, call (800) 243-6108. If you are
and will continue as long as you remain disabled up to Social Security Normal Retirement Age. LTD works with state disability programs, Go to www.estateguidance.com/wills outside of the US, call collect to (202) 828-
Social Security, and any other group disability coverage, to provide you with a combined monthly benefit equal to 66.67% of your pre- (Code: WILLHLF). 5885. Reference policy ID# GLD-09012.
disability earnings up to a maximum benefit of $10,000 per month.
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