Page 12 - Avance Schools Benefit Guide 2019

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 still actively employed with the
company. Accidental Death and Dismemberment (AD&D) coverage provides an additional benefit to your beneficiary if your death
is due to a covered accident or injury. Avance Schools pays for Life and AD&D coverage, offered through Anthem Blue Cross, in the
amount of $25,000.

Anthem Blue Cross | Voluntary Life and AD&D Insurance
In addition to the company provided Basic Life and AD&D benefits, you may elect to purchase additional Term Life and AD&D
insurance at discounted group rates provided by Anthem Blue Cross. If elected, you pay for this coverage with after-tax dollars
through convenient payroll deductions.

Employee Spouse Child(ren)
You may purchase coverage for yourself in If you buy coverage for yourself, you may If you buy coverage for yourself, you may
increments of $10,000 up to a maximum also purchase coverage for your eligible also purchase coverage for your eligible
benefit of $300,000, not to exceed 5 times spouse. Benefits for your spouse are dependent child(ren) in the following
your annual salary. available in increments of $5,000 up to a amounts: Age 15 days to 25: in increments
maximum benefit of $150,000, not to of $2,000 up to a maximum benefit of
exceed 50% of your employee election. $10,000, not to exceed 50% of your
employee election.

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 amount of $100,000 for employees,
$25,000 for spouses, and $10,000 for child(ren). 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. Anthem Blue Cross may approve or
decline coverage based on a review of your health history.

Will Preparation Services

Anthem Blue Cross offers a will preparation tool that works well for most people with typical assets, such as a house, a car,
savings and investments. If you have questions for a lawyer, Anthem offers advice through the Resource Advisor. To get
started, go to www.resourceadvisorca.anthem.com and select Legal/Financial.

TRAVEL ASSISTANCE PROGRAM

Anthem Blue Cross | Travel Assistance Program

The Travel Assistance plan is available to you at no cost. This program, arranged by Anthem Blue Cross and provided by Generali
Global Assistance, Inc. (GGA) is designed to help you or your dependents if have an emergency when you travel more than 100
miles from home for 90 days or less. Travel Assistance is available 24 hours a day, 7 days a week with trained professionals to
provide valuable support in a medical emergency, such as locating doctors, dentists and facilities, setting up emergency transfers,
sending travel companions, pets, and vehicles home, coordinating bedside visits, and setting up and paying for the return of mortal
remains (see contract for restrictions).

Accessing Travel Assistance Benefits
Call (866) 295-4890 if you are traveling in the US or Canada. If you are traveling in other locations, call
collect (202) 296-7482.

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