ºÚÁÏÉçÇø

Basic LIFE Policy Maximum is $700,000 

Conversion at Termination of Coverage

If all or part of your basic life coverage ends, you may convert the amount that ends to an individual life insurance policy without medical evidence. Information and application will be automatically provided by Benefits and Wellness upon termination of coverage.

Portability at Termination of Coverage

You may elect to continue your life insurance coverage upon termination (not retirement) without evidence of insurability. Information and application will be automatically provided by Benefits and Wellness upon termination of coverage.

Reduction Schedule

• When you reach age 65, life benefits reduce to 67%
• When you reach age 70, life benefits reduce to 45%
• When you reach age 75, life benefits reduce to 30%
• When you reach age 80, life benefits reduce to 20%
• Minimum of $5,000 for full-time Employees.

Provides a benefit when an injury resulting from an accident causes the death or other covered losses to the insured.

Basic AD&D Policy Maximum is $1,200,000

Reduction Schedule

• When you reach age 65, life benefits reduce to 67%
• When you reach age 70, life benefits reduce to 45%
• When you reach age 75, life benefits reduce to 30%
• When you reach age 80, life benefits reduce to 20%
• Minimum $10,000 for full time employees.

Seat Belt Benefit

Additional 10% of AD&D to maximum of $10,000

Air Bag Benefit

Additional 10% of AD&D to maximum of $10,000

Child Education Benefit

Annual Benefit /Child: $2,500
Lifetime Family Benefit: $20,000

Repatriation

$2,000 Maximum

Coma

$5,000

Dismemberment Schedule

Full Amount

Life
Both hands or both feet
Sight of both eyes
One hand and one foot
One hand and sight of one eye
One foot and sight of one eye
Speech and hearing in both ears
Quadriplegia

One Half of Full Amount

Paraplegia
Hemiplegia
One hand or one foot
Sight of one eye
Speech or hearing in both ears

One Quarter of Full Amount

Thumb and index finger same hand

• You must name a primary beneficiary. This is the person(s) that receives the cash benefit at your death.
• You may name a contingent (also known as secondary) beneficiary. This person will receive the benefits should your primary beneficiary not be living at the time of your death.
• You may change your beneficiary at any time.
• We recommend that you review your beneficiaries whenever you have a family or life change or at least once per year.
• Naming a minor child: Life insurance companies won't pay proceeds directly to minors. If you haven't created a trust or made any legal arrangements for someone to manage the money, the court will appoint a guardian, a costly process, to handle the proceeds until the child reaches 18. Instead, after perhaps consulting an estate attorney to decide the best course, you can do one of the following:
  • Leave the money for the child's benefit to a reliable adult.
  • Set up a trust to benefit the child and name the trust as the beneficiary of the policy.
  • Name an adult custodian for the life insurance proceeds under the 

• Elections must be made within 31 days from your last day of coverage.
• For more information please use the website listed below to review your coverage options, calculate your cost, and obtain the necessary application forms.
  • Policy Number: 34691
  • Access key: MiamiOH
• For additional assistance, call 866-365-2374