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Life and AD&D Insurance

Life and AD&D Insurance

Life insurance and accidental death and dismemberment (AD&D) coverage can help you prepare for the unexpected.

Team Members

Plan	Benefit Amounts
Team Member Basic Life and AD&D	Provides coverage in case of an accidental death or dismemberment. You are automatically enrolled; no cost to you. Be sure to elect your beneficiaries Full-time team members—coverage equal to one times annual base salary, rounded to the next higher $1,000 (maximum $1 million) Part-time team members—coverage equal to $10,000 At age 70, there are life insurance amount reductions Benefits are payable in the event of loss of life, limb, sight, speech, or hearing
Team Member Optional Life and AD&D	Provides additional coverage in case of an accidental death or dismemberment. You may purchase coverage in whole increments of your base salary Maximum coverage—up to 4 times your annual base salary (maximum $500,000) Request to add coverage subject to completion and approval of evidence of insurability if election not made when first eligible for coverage At age 70, there are life insurance amount reductions For AD&D benefit, the amount matches your optional life coverage election Benefits are payable in the event of loss of life, limb, sight, and speech or hearing
Whole Life	A voluntary whole life policy with a fixed death benefit. You can choose to add long-term care coverage as well, combining two important benefits into one affordable product Whole life builds cash value at the guaranteed rate; you can borrow from that cash value, or you can buy a smaller, paid-up policy—with no more premium due For more information, visit unum.com/employees or call 1-800-635-5597 This plan requires a special enrollment process. Enroll at ECUHealthBenefits.com or call 1-888-778-6817 Learn more about UNUM Whole Life Coverage
Spouse Life	Provides a life insurance benefit if your spouse or domestic partner dies. Coverage amount of $50,000 for spouse/ domestic partner Request to add coverage subject to completion and approval of evidence of insurability if election not made when first eligible for coverage There are life insurance amount reductions once the team member turns age 70 If you and your spouse/domestic partner are employed by ECU Health, you are ineligible to cover your spouse/domestic partner
Child Life	Provides a life insurance benefit if your child dies. Coverage amount of $15,000 per eligible child Children can only be covered by one parent Eligible until the child’s 26^th birthday

The rates for optional insurance depend on the amount of coverage you select and your age. When you enter the enrollment system you will see the prices for coverage.

Providers

Plan	Benefit Amounts
Providers Basic Life and AD&D	Provides coverage in case of an accidental death or dismemberment You are automatically enrolled; no cost to you. Be sure to elect your beneficiaries Full-time providers—coverage equal to one times annual base salary, rounded to the next higher $1,000 (maximum $1 million) Part-time providers—coverage equal to $10,000 At age 70, there are life insurance amount reductions Benefits are payable in the event of loss of life, limb, sight, speech, or hearing
Providers Optional Life and AD&D	Provides additional coverage in case of an accidental death or dismemberment You may purchase coverage in whole increments of your base salary Maximum coverage—up to 4 times your annual base salary (maximum $500,000) Request to add coverage subject to completion and approval of evidence of insurability if election not made when first eligible for coverage At age 70, there are life insurance amount reductions For AD&D benefit, the amount matches your optional life coverage election Benefits are payable in the event of loss of life, limb, sight, and speech or hearing
Whole Life	A voluntary whole life policy with a fixed death benefit. Your premium will be locked in at the age you purchase coverage You can choose to add long-term care coverage as well, combining two important benefits into one affordable product Whole life builds cash value at the guaranteed rate; you can borrow from that cash value, or you can buy a smaller, paid-up policy—with no more premium due For more information, visit unum.com/employees or call 1-800-635-5597 This plan requires a special enrollment process. Enroll at ECUHealthBenefits.com or call 1-888-778-6817 Learn more about UNUM Whole Life Coverage
Spouse Life	Provides a life insurance benefit if your spouse or domestic partner dies. Coverage amount of $50,000 for spouse/domestic partner Request to add coverage subject to completion and approval of evidence of insurability if election not made when first eligible for coverage At age 70, there are life insurance amount reductions If you and your spouse/domestic partner are employed by ECU Health, you are ineligible to cover your spouse/domestic partner
Child Life	Provides a life insurance benefit if your child dies. Coverage amount of $15,000 per eligible child Eligible until the child’s 26th birthday Children can only be covered by one parent

The rates for optional insurance depend on the amount of coverage you select and your age. When you enter the enrollment system you will see the prices for coverage.

Residents

Plan	Benefit Amounts
Residents Basic Life and AD&D	Provides coverage in case of an accidental death or dismemberment. You are automatically enrolled; no cost to you. Be sure to elect your beneficiaries Full-time residents—coverage equal to one times annual base salary, rounded to the next higher $1,000 (maximum $1 million) Part-time residents—coverage equal to $10,000 At age 70, there are life insurance amount reductions Benefits are payable in the event of loss of life, limb, sight, speech, or hearing
Residents Optional Life and AD&D	Provides additional coverage in case of an accidental death or dismemberment. You may purchase coverage in whole increments of your base salary Maximum coverage—up to 4 times your annual base salary (maximum $500,000) Request to add coverage subject to completion and approval of evidence of insurability if election not made when first eligible for coverage At age 70, there are life insurance amount reductions For AD&D benefit, the amount matches your optional life coverage election Benefits are payable in the event of loss of life, limb, sight, and speech or hearing
Whole Life	A voluntary whole life policy with a fixed death benefit. Your premium will be locked in at the age you purchase coverage You can choose to add long-term care coverage as well, combining two important benefits into one affordable product Whole life builds cash value at the guaranteed rate; you can borrow from that cash value, or you can buy a smaller, paid-up policy—with no more premium due For more information, visit unum.com/employees or call 1-800-635-5597 This plan requires a special enrollment process. Enroll at ECUHealthBenefits.com or call 1-888-778-6817 Learn more about UNUM Whole Life Coverage
Spouse Life	Provides a life insurance benefit if your spouse or domestic partner dies. Coverage amount of $50,000 for spouse/domestic partner Request to add coverage subject to completion and approval of evidence of insurability if election not made when first eligible for coverage At age 70, there are life insurance amount reductions If you and your spouse/domestic partner are employed by ECU Health, you are ineligible to cover your spouse/domestic partner
Child Life	Provides a life insurance benefit if your child dies. Coverage amount of $15,000 per eligible child Eligible until the child’s 26th birthday Children can only be covered by one parent

The rates for optional insurance depend on the amount of coverage you select and your age. When you enter the enrollment system you will see the prices for coverage.

Designate your beneficiary

When you enroll online for benefits, look for the prompts to designate a beneficiary for your ECU Health-provided life insurance coverage and/or your optional life insurance plans. If a beneficiary is not designated, benefits will be paid out in a specific order according to carrier policy which is legal spouse/domestic partner, children in equal shares, surviving parents in equal shares, surviving siblings in equal shares, and, lastly, to the Insured’s Estate. It is not necessary to add a beneficiary for your spousal life or child life insurance coverage since you are automatically the beneficiary for any spouse or dependent coverage you elect.

Evidence of Insurability

You may need to provide Evidence of Insurability (EOI), or proof of good health if:

You choose to delay enrolling when you are first eligible.
You want to increase coverage after you enroll.