Page 16 - SC Fuels Benefit Guide 2018 TEXAS

EMPLOYEE ASSISTANCE PROGRAM

GUARDIAN | EMPLOYEE ASSISTANCE PROGRAM
The Employee Assistance Program (EAP) provides you and your household members with free, confidential
assistance to help with personal or professional problems that may interfere with work or family responsibilities
and obligations. Services are available 24 hours a day, 7 days a week via a toll-free nationwide number. You and
your household members can receive up to 3 face-to-face counseling sessions per person, per problem, per year.

ACCESSING THE EAP:
• You can call the 24-hour confidential EAP line at (800) 386-7055 or you can log-on to
www.ibhworklife.com. User Name: Matters / Password: wlm70101

LIFE AND AD&D INSURANCE

GUARDIAN | BASIC LIFE AND AD&D INSURANCE
Life insurance protects your family or other beneficiaries in the event of your death while you are still actively
employed with the company. SC Fuels pays for coverage, offered through Guardian, in the amount of $25,000.
If your death is due to a covered accident or injury, your beneficiary will receive an additional amount through
Accidental Death and Dismemberment (AD&D) coverage.

NOTE: If you have experienced a qualifying event since our last open enrollment period, please make sure to update your beneficiary
information through benefitsCONNECT. Login information is located on page 21 of this guide.

GUARDIAN | VOLUNTARY LIFE AND AD&D INSURANCE
In addition to the company provided Basic Life and AD&D coverage, you may elect to purchase additional Term
Life and AD&D insurance at discounted group rates provided by Guardian. If elected, you pay for this coverage
with after-tax dollars through convenient payroll deductions.
Employee Spouse Child(ren)
You may purchase coverage for If you buy coverage for yourself, you If you buy coverage for yourself,
yourself in increments of $25,000 up may also purchase coverage for your you may also purchase coverage for
to a maximum benefit of $500,000. eligible spouse. Benefits for your your eligible dependent child(ren).
spouse are available in the amount Benefits for your child(ren) are
of 50% of your employee election, available in the following amounts:
not to exceed $250,000. Ages 14 days to 6 months: Flat $500.
6 months to 26 years: $10,000.

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 = $250,000
• Spouse = $50,000
• Child(ren) = $10,000

NOTE: 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 long as you provide proof of good health. To provide proof of good health, you will be asked to complete a health
questionnaire and are subject to insurance carrier approval. Guadian may approve or decline coverage based on a review of your
health history.
Page 16