Page 14 - Hitachi Benefit Guide 1.31.2019

Life and AD&D Insurance

Life Employee Assistance Program | Cigna Voluntary Life and AD&D | Cigna
Cigna’s EAP, called Life Assistance Program provides you and In addition to the company provided Basic Life and AD&D
your household members with free, confidential assistance to benefits, you may elect to purchase additional Term Life and
help with personal or professional problems that may interfere AD&D insurance at discounted group rates provided by
with work or family responsibilities and obligations. Services are Cigna. If elected, you pay for this coverage with after-tax
available 24 hours a day, 7 days a week via a toll-free dollars through convenient payroll deductions. Any amount
nationwide number. You and your household members can you elect in additional life insurance will include coverage for
receive up to 3 counseling sessions per person, per problem, AD&D. This means your life insurance is doubled for
per year. accidental death.

Team Member - You may purchase coverage for yourself in
Accessing the EAP, Life Assistance Program increments of $10,000, up to a maximum benefit of
Go to www.cignalap.com or call (800) 538-3543 to be im- $700,000.
mediately connected to an EAP counselor.
Spouse - If you buy coverage for yourself, you may also
purchase coverage for your eligible spouse. Benefits for your
Basic Life and AD&D | Cigna spouse are available in increments of $5,000 to a maximum
Electing Life Insurance while you are employed protects your benefit of $250,000 and may not exceed 50% of your Team
family or other beneficiaries in the event of your death. Hitachi Member election.
Solutions pays for coverage, offered through Cigna, in the
amount of 2 times your annual salary to a maximum benefit of Child(ren) - If you buy coverage for yourself, you may also
$500,000. If your death is due to a covered accident or injury, purchase coverage for your eligible dependent child(ren).
your beneficiary will receive an additional amount through Benefits for your child(ren) are available in the following
Accidental Death and Dismemberment (AD&D) coverage. The amounts: Age: live birth to age 26: Flat $10,000.
imputed cost of coverage in excess of $50,000 must be included
in income, shown as GTL on your earnings statement. Guarantee issue is a pre-approved amount of coverage that
does not require you to provide proof of good health, and is
Business Travel Accident | Cigna only available to you during your initial eligibility period
Hitachi Solutions provides an additional Life & Accidental Death (upon hire). Guarantee issue is available in the following
& Dismemberment benefit for you while you are traveling on amounts:

behalf of the company. The Business Travel Accident Program is Team Member $300,000

an added asset protection provided at no cost to you! If
traveling on company business, you are protected by this Spouse $25,000
program which pays the following benefits in the following Child(ren) $10,000

amounts:
Executive & Management $500,000 If you are no longer in your initial eligibility period, you may
Sales & Consultants $300,000 enroll in Voluntary Life and AD&D insurance during open
All Others $150,000 enrollment 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. Cigna may approve or decline coverage based on a
review of your health history.

Note: A beneficiary is the person or entity who you designate to receive your death benefits. Choosing a beneficiary and keeping
your beneficiary up-to-date is an essential part of owning life insurance. Please remember to review your beneficiary designation
as new situations arise, such as the birth or adoption of a child, marriage or divorce. You may login to our online enrollment
system to update your beneficiary as needed. Please review Cigna plan documents for details of beneficiary qualifications. There
may be legal requirements to designate your spouse in some states.

14 Hitachi Solutions America Employee Benefits Guide | 2019