Online Benefits Directory
VOLUNTARY LIFE AND AD&D INSURANCE
Policy # 3343404
Term Life insurance can help protect your loved ones’ financial health if you are no longer there to support them. If you pass away or are seriously injured as a result of a covered accident or injury, you or your beneficiaries will receive a set amount to help pay for unexpected expenses, or help your loved ones pay for future expenses after you’re gone.
Who Is Eligible For Coverage?
All active, Full-Time Employees of the Employer regularly working a minimum of 30 hours per week in the United States, who are citizens or permanent resident aliens of the United States. You will be eligible for coverage the first of the month on or after 30 days of active service.
- Your Spouse: Up to age 70, as long as you apply for and are approved for coverage yourself.
- Your Child(ren): Birth to 26, as long as you apply for and are approved for coverage yourself.
Available Coverage:
You, your spouse, and children will receive equal amounts of Term Life and Accidental Death and Dismemberment insurance.
VOLUNTARY LIFE ADD COVERAGE
| Benefit Amount | Maximum | Guaranteed Issue | |
|---|---|---|---|
| Employee | Units of $25,000 | $150,000 | $100,000 |
| Spouse | 50% of the employee's insured amount | 50% of the employee's insured amount up to a maximum of $75,000 | $25,000 |
| Children | Units of $5,000 | $10,000; Under 6 Months - $500 | All Amounts |
Guaranteed issue means you may be able to purchase coverage without medicals exams. See coverage summary for more details.
AD&D Benefit Details
| If, with 365 days of a covered accident. bodily injuries result in; | Benefit Amount Payout % |
|---|---|
| Loss of life; Total paralysis of both upper and lower limbs; Loss of two or more hands or feet; Loss of sight in both eyes; or Loss of speech and hearing (both ears | 100% |
| Total paralysis of both lower limbs or both upper limbs. | 75% |
| Total paralysis of upper and lower limbs on one side of the body; Loss of one hand, one foot, sight in one eye, speech, or hearing in both ears; or Severance and Reattachment of one hand or foot | 50% |
| Total paralysis of one upper or one lower limb; Loss of all four fingers of the same hand; or Loss of thumb and index finger of the same hand | 25% |
| Loss of all toes on the same foot. | 20% |
See Cigna Vol Life Benefit Summary for additional scenarios.
Other Resources
www.cigna.com
1-800-997-1654