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FOCUS ON BENEFITS 2021

Goodwill-Easter Seals Minnesota

VOLUNTARY LIFE INSURANCE / AD&D VOLUNTARY LIFE & AD&D

You may elect optional life insurance with accidental death and Voluntary Life AD&D Benefits
dismemberment (AD&D) insurance. These plans are paid 100% by you and Employee Maximum benefit is 5x
are intended to supplement the provided Basic Life and AD&D Insurance Benefit
your annual earnings to
described above.
the maximum of
$500,000. Sold in
Evidence of insurability (EOI) is required for applications for coverage over
the guaranteed issue amounts (listed to the right) as a newly eligible $10,000 increments.
employee. EOI is also required after the initial eligibility window is over Guaranteed issue
when adding additional coverage (i.e. at open enrollment). Evidence of amount of $150,000 with
Insurability (EOI) is personal health information that life insurance plan no evidence of
participants provide to the insurance carriers to request approval for life insurability required for
insurance benefits. new enrollees.
Spouse Maximum benefit is
To complete the EOI process, you must do so online through The Standard: Benefit $250,000. Sold in $5,000
www.standard.com/mhs. If you are unable to complete the EOI online, increments, not to
please contact Benefits Administration at benefits@gesmn.org to request a exceed the employee’s
paper copy of the EOI form. To submit your EOI request, you will need to
know our group policy number (752972), your current level of coverage in elected amount.
place, and the requested additional amount you are applying for. You Guaranteed issue
should also have physician information on hand along with any notes or amount of $30,000 with
details about you or your spouse/domestic partner’s medical history. It is no evidence of
your responsibility to complete the EOI process and submit to The insurability required for
Standard. new enrollees.
Child(ren) Maximum benefit is
Once you submit the EOI request, your application will be reviewed by Benefit $10,000 and this is a
Medical Underwriting at The Standard. They will either approve, decline or (to age guaranteed amount.
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request more information. A notification letter of the final decision will be
sent from The Standard.

The Evidence of Insurability approval is at the sole discretion of The
Standard and any communications regarding the status should be directed The premiums are shown per $1,000
to The Standard. Do NOT send medical information or completed EOI’s to increments:
any employee of GESMN or the Benefits Department. The Benefits Team
Employee/Spouse Monthly Rates
at GESMN is not responsible for completion of or follow up to your EOI
application. Less than 30 $0.095
30-34 $0.115
To check on the status of an EOI or provide additional required documentation 35-39 $0.125
for EOI determination, please contact The Standard at 866.756.8116.
40-44 $0.175
45-49 $0.255
50-54 $0.385
55-59 $0.615
60-64 $0.915
65-69 $1.475
70+ $3.815
Child $2.00/family unit

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