O'Fallon 2016 Benefits Guide1

City of O’Fallon

BASIC LIFE AND ACCIDENTAL DEATH & DISMEMBERMENT (AD&D)

INSURANCE

All eligible employees receive Basic Life and Accidental Death & Dismemberment coverage. This coverage is provided by

The City at

no cost

to you. This coverage is administered through Aetna. Benefit reductions apply upon attaining certain

age levels.

VOLUNTARY LIFE INSURANCE AND ACCIDENTAL DEATH &

DISMEMBERMENT (AD&D) INSURANCE

Your Voluntary Life/AD&D is administered through Aetna. You must purchase voluntary life on yourself in order to

purchase coverage for your spouse and dependent children. Benefit reductions apply upon attaining certain age levels

Employees can purchase up to 7 times their annual salary, with a minimum of $10,000, in $10,000 increments up to a

maximum of $500,000 of coverage. The Guarantee Issue amount for newly eligible employees is $200,000.

Spousal coverage is available in $5,000 increments not to exceed 50% of the employee amount, with a minimum of $5,000

to a maximum of $250,000. The Guarantee Issue amount for newly eligible spouses is $20,000. Coverage is available for

children up to age 25. The amount elected cannot exceed 50% of the employee’s benefit amount. The options are $5,000

and $10,000.

Current enrollees are able to increase their Voluntary Life/AD&D coverage election annually by up to $10,000 up to the

guarantee issue maximum election without submitting an Evidence of Insurability form. This applies to both the employee

and spouse.

Please note: If you and/or your dependents chose not to enroll in the Voluntary Life/AD&D plan during your initial

enrollment period, you and/or your dependents will be required to complete an Evidence of Insurability form and

be approved by Aetna before you are able to obtain coverage in the future.

Newly hired employees who are currently in their initial eligibility period

can obtain up to $200,000 without completing an

Evidence of Insurability form for themselves and $20,000 for their spouse.

Rates will vary by age, please see the rate charts on the next page. Rates for spousal coverage are based on the

employee’s age.

This plan offers access to information and tools to prepare and manage all issues surrounding a funeral through Everest

Funeral Planning and Concierge Services. You can talk to an adviser by calling 1-800-913-8318 or visiting