Supplemental Life + AD&D Coverage
Administered by Standard Insurance Company, www.Standard.com/mybenefits/mus
Optional Supplemental Life + Accidental Death & Dismemberment (AD&D) eligibility:
Employee Only Benefit.
If you enroll for Optional Supplemental Life + AD&D Insurance, your cost depends on your age as of July 1 and the amount of coverage you select, as shown in the following table. Remember, this cost is paid on an after-tax basis.
If you are not enrolling for the first time, other than new employees, you may increase one level of coverage during annual enrollment (up to $300,000) without having to submit evidence of good health - if you are eligible and are in an active work status. You may also increase coveage more than one level. However, you will need to submit evidence of good health to the insurance company for the increase above more than one level. Elections above $300,000 will always require evidence of good health.
Optional Dependent Life + Accidental Death & Dismemberment (AD&D) eligibility:
Your spouse and unmarried child(ren) from live birth to age 26. Optional Dependent Life + AD&D Insurance is designed to protect you against certain financial burdens (such as funeral expenses) in the event a covered dependent dies. You are automatically the beneficiary of any benefits that become payable. This benefit is paid with after-tax dollars. Employees may NOT cover other MUS employed family members. In addition, dependent children may not be insured by more than one member. You must enroll in employee supplemental life to be eligible for spouse or child/ren supplemental life elections. You may elect either Supplemental Life or Supplemental Life + AD&D, but not both.
Other than new employees, you may increase one level of coverage for child/ren without evidence of good health. Evidence of good health is always required for spouse elections over $50,000. Spouse elections cannot exceed 50% of the employee election (i.e., employee elects $100,000 for self, spouse maximum is $50,000).