2013 Employee Benefits Guidebook - Administration Home

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LIFE INSURANCE PLANS BASIC LIFE/ACCIDENTAL DEATH AND DISMEMBERMENT PLAN BENEFIT EMPLOYEE: LIFE BENEFIT: $40,000 AD&D BENEFIT: $40,000 SPOUSE: LIFE BENEFIT: $2,000 AD&D BENEFIT: $0 CHILD: LIFE BENEFIT: $1,000 first 6 months/$2,000 thereafter until age 26 TERM LIFE: This coverage is Term Life Insurance. The Life Insurance benefit is payable to the designated beneficiary upon the death of the insured. Coverage is provided for the time period that you are eligible and premium is paid. There is no cash value associated with this product. AD&D: Accidental Death and Dismemberment Insurance provides specified benefits for a covered accidental bodily injury that directly causes dismemberment (i.e. the loss of a hand, foot, or eye). In the event that death occurs to an employee from a covered accident, both the Life and the AD&D benefit would be payable. ELIGIBILITY: All full-time active employees working 40 or more hours per week in an eligible class are eligible for coverage on the policy effective date. A delayed effective date will apply if the employee is not actively at work on the date the insurance would otherwise take effect. GUARANTEE ISSUE: For timely entrants enrolled within 30 days of becoming eligible, up to $40,000 in coverage is available without any evidence of insurability requirement. LIVING BENEFIT: A living benefit (also called an Accelerated Death Benefit) is available to employees who have satisfied the Active Work Rule. When such employees are diagnosed as terminally ill (having 12 months or less to live), they may withdraw up to 75% of their life insurance coverage to a maximum of $30,000. The death benefit will be reduced by the amount taken as a Living Benefit, plus interest. PORTABILITY: If you terminate your employment or if you become ineligible for this coverage, you have the option to convert all or part of the amount of Life Insurance in force on the date of termination at the group rates. Conversion election must be made within 30 days of your date of termination. BENEFIT REDUCTION: Life and AD&D benefits will terminate at retirement. Prior to this, reduce to: 65% at age 70 and at age 75 benefits reduce further to 50% of the original amount. This is only a summary of coverage and is not a binding contract. A certificate of coverage will be made available to you that will describe the benefits in greater detail. Should there be differences between this summary and the contract, the contract will govern. 2013 Employee Benefit Guidebook Updated August 2013
VOLUNTARY TERM LIFE INSURANCE Voluntary Term Life insurance is an optional benefit. Coverage is available in $10,000 units starting at $10,000 up to the lesser of seven (7) times your salary rounded to the next highest $10,000 or $500,000 for employees and up to the lesser of 100% of the employee’s elected amount or $250,000 for spouses. You may also elect a flat $10,000 of coverage for dependent child(ren). You must elect coverage in order to elect coverage for your spouse or dependent child(ren). If you choose to elect AD&D coverage, the amount of coverage will be the same as your life insurance. Up to $200,000 of coverage is guaranteed for you the employee and up to $30,000 for your spouse as long as you, your spouse or dependent children meet eligibility requirements and enroll within the first 30 days from your eligibility date. This means no medical questions are asked in order to sign up for coverage up to these limits. Any coverage applied for above the guaranteed coverage amounts requires an Evidence of Insurability form to be completed along with the Enrollment Form. These forms can be found at http://w3.unum.com/enroll/ElPasoCounty/enrollment.aspx. If you do not elect the minimum coverage when first eligible, you will only be eligible again at the next Open Enrollment period and Evidence of Insurability will be required to obtain this coverage. Additional medical information may be required depending on the amount applied for, or in response to the information disclosed on the application. During the 2013 open enrollment period, if you already have the minimum amount of life insurance ($10,000) for yourself and your dependents, you can purchase additional insurance up to the Guaranteed Issue (GI) amount, as long as you remain actively at work. Please see rates on the following page. 2013 Employee Benefit Guidebook Updated August 2013
Page 1 and 2: EMPLOYEE BENEFITS Open Enrollment G
Page 3 and 4: PHONE DIRECTORY Employment, Benefit
Page 5 and 6: IMPORTANT INFORMATION SUMMARY OF BE
Page 7 and 8: EMPLOYEE CONTRIBUTIONS AND POP: The
Page 9 and 10: MEDICAL, VISION AND DENTAL PLAN PRE
Page 11 and 12: Questions regarding which protectio
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Page 15 and 16: All subsequent prenatal visits, pos
Page 17 and 18: Note: The copayment will apply as l
Page 19 and 20: Pregnancy * Initial visit (to confi
Page 21 and 22: Wellness Exams The County Employee
Page 23 and 24: Walgreens Health Initiatives now Ca
Page 25 and 26: Medication List (PML)/formulary is
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Page 29 and 30: Guardian DENTAL PLANS El Paso Count
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Page 33: You can only be reimbursed up to th
Page 37 and 38: DISABILITY BENEFITS SHORT TERM DISA
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2013 Employee Benefits Guidebook - Administration Home

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