Page 10 - 2017 MegaPath Benefits Guide_FINAL

BENEFITS

Life and AD&D Insurance

Anthem Blue Cross | Basic Life and AD&D Insurance
Life insurance protects your family or other beneficiaries in the event of your death while you are s ll ac vely employed with the
company. MegaPath pays for coverage, offered through Anthem Blue Cross, in the amount of 1x your annual base salary to a
maximum benefit of $500,000. If your death is due to a covered accident or injury, your beneficiary will receive an addi onal
amount through Accidental Death and Dismemberment (AD&D) coverage.

MetLife | Supplemental Universal Life and AD&D Insurance
The MetLife Group Universal Life gives you all the protec on of life insurance, but also includes a cash fund that can help you to
meet a range of financial needs. If you take advantage of the cash fund, you can contribute premium above the cost of insurance
and earn a compe ve guaranteed rate of interest of 4%, which accrues on a tax‐deferred basis.

Employee

You may purchase coverage for yourself in increments of $5,000 up to a maximum benefit of $1,000,000, not to exceed 8 mes
your annual salary, rounded to the next highest $5,000. The minimum coverage for this policy is $20,000.

Spouse
Benefits for your spouse are available for 1x to 4x your annual salary up to a maximum benefit of $250,000, rounded to the next
$5,000. The minimum coverage for this policy is $2,000.

Child(ren)
You may purchase a Term Life Rider in the amount of $10,000 for your child. Coverage is available for children from age 14 days to
19 years (or 25 years if enrolled at an accredited college or university). Your premium rate will cover all eligible children.

Rates will increase as you get older on the policy. Your current rates are guaranteed un l the policy renewal date. At the renewal
date, rates will be recalculated and may change. Rates will also change and can increase if you leave MegaPath and choose to
con nue your coverage.

You may access your cash fund money through loans and withdrawals. The minimum withdrawal is $200 provided there is
adequate cash value in your fund. Withdrawals may incur tax implica ons. Please contact MetLife Benefits Line at 1 (800) 438‐
6388 for more informa on.

Disability Insurance

Anthem Blue Cross | Short Term Disability Insurance
MegaPath offers you Short Term Disability (STD) to provide income replacement if you become disabled due to accident, sickness
or pregnancy, through Anthem Blue Cross. If you experience a temporary disability, benefits begin 14 days a er the start of your
accident, sickness or pregnancy and will con nue for a maximum of 13 weeks. STD works with state disability programs, Social
Security, and any other group disability coverage, to provide you with a combined weekly benefit equal to 67% of your pre‐
disability earnings up to a maximum of $3,207.

Anthem Blue Cross| Long Term Disability Insurance
MegaPath offers you Long Term Disability (LTD) to provide income replacement if you become disabled for an extended period of
me, through Anthem Blue Cross. If you become totally and permanently disabled, benefits begin 90 days a er the start of your
illness or injury. LTD works with state disability programs, Social Security, and any other group disability coverage, to provide you
with a combined monthly benefit equal to 60% of your pre‐disability earnings up to a maximum benefit of $7,000 per month.

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