人寿保险范围
基本
基本 人寿保险 is provided to employees at no charge. 如果你死了, your beneficiary will receive two and a half times your salary up to a $50,000元最高津贴. The 基本 Life Plan is provided free of charge.
The basic life insurance benefit does include benefits for accidental death and dismemberment, 然而 there are some limitations regarding when benefits are payable for accidental death and dismemberment.
Full details of the basic life insurance plan, including eligibility and benefit limits and exclusions, are included in the group life certificate of insurance.
补充人寿保险
You can only enroll in 补充人寿保险 every year during open enrollment. Once you enroll in 补充人寿保险, your coverage remains the same from year to year unless you change it. You may increase, decrease or discontinue your coverage every year during open enrollment. You may change your coverage during the year if necessary due to a change in 家庭地位 such as marriage, 离婚或领养. In these cases, contact the 好处 Office for enrollment information.
补充人寿保险 is eligible for accelerated benefits. This means you can collect a percentage of your benefit if you are deemed to be terminally ill with twelve months or fewer to live as indicated by a physician. Your 补充人寿保险 has no savings or cash-value benefit. The supplemental life plan does contain some exclusions, such as limits to when benefits are payable due to a suicide.
家属人寿保险
With 家属人寿保险, you may choose to cover your spouse and children at a low, 集团的溢价. 保费 for Dependent Life are blended, meaning you pay one flat premium regardless of the number of family members you cover. There are three levels of Dependent Life from which to choose:
- Option 1: $5,000 of coverage for your spouse with $2,000 of coverage for each child, or
- Option 2: $10,000 of coverage for your spouse with $5,000 of coverage for each child, or
- Option 3: $20,000 of coverage for your spouse with $10,000 for each child
- 配偶或同居伴侣
- Unmarried Children, from live birth to the attainment of age 26. Coverage may be extended for children who are physically or mentally incapable of self-support. See plan certificate for details.
You must notify the university when a dependent is no longer eligible for coverage. All premiums paid for dependents who are no longer eligible for coverage will be refunded without any payment of a life insurance benefit.
Once you enroll in 家属人寿保险, your coverage remains the same from year to year unless you change it. You may increase, decrease or discontinue your coverage every year during open enrollment. You may change your coverage during the year if necessary due to a change in 家庭地位 such as marriage, 离婚或领养. In these cases, contact the 好处 Office for enrollment information.
When you enroll in 家属人寿保险, you automatically become the beneficiary. 家属人寿保险 is not eligible for accelerated benefits, nor does it have any savings or cash-value benefit.
受益人
Life insurance beneficiaries may be updated at any time using MPI:福利自助服务. A beneficiary can be any individual(s). NOTE: You may also name trusts, estates or other non-individuals, as well as individuals for which you do not have a Social Security Number (SSN), 然而, these must be documented on a paper 受益人表格[PDF]. Please download, complete and return to:
newbb电子平台福利
格罗夫纳324号厅
1newbb电子平台
雅典，俄亥俄州45701
Questions regarding this process? 电子邮件 benefits@俄亥俄州.edu