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LIFE AND ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE
Dearborn National
Read Carefully Before Completing Group Life Enrollment Form
1)
All life insurance coverage is TERM insurance.
There is NO whole-life coverage available from the City.
2)
You will have to satisfy evidence of insurability in the event ANY of the following occurs:
a) You and/or your dependents request coverage under ANY of the life insurance plans more than 31 days after
first becoming eligible;
b) YOU request more than two times your salary or $100,000 (whichever is less) in supplemental life benefits;
c) Your SPOUSE requests more than $25,000 in supplemental life benefits; or
d) You wish to upgrade from any Basic Dependent Plan (e.g., 1 to 2 or 3; 2 to 3).
3)
ALL employees now have “free” basic life insurance. You will pay a premium if any of the following
applies:
a) You are a permanent part-time employee;
b) You enroll for dependent life coverage; or
c) You enroll for supplemental life coverage.
4)
All life insurance premiums are deducted out of the second check of each month, and are automatically
adjusted in the event either of the following occurs:
a) Your death benefit is adjusted (due to salary change, for example); or
b) The age of you or your spouse changes and you move to a new premium bracket (applies to supplemental life
benefits only).
5) Supplemental coverage applies to employees and spouses only. There are no additional benefits available
for children beyond what is provided under the Basic Dependent Life plan.
Basic Employee Life Insurance
A double indemnity (includes Accidental Death and Dismemberment benefits) term life insurance policy is available to all
permanent employees. Upon enrollment, a benefit equal to 1-1/2 times your annual salary (rounded to the next higher
$1000, if not a multiple thereof) and not to exceed $50,000 will be payable in the event of your death. If the death is
accidental (whether it is on or off the job) an amount equal
to that payable under the Basic life policy will also be paid.
Benefits payable due to accidental dismemberment vary
according to the nature of the injury.
The cost for coverage under this plan is .10 per $1000 of
coverage. If you are a permanent part-time employee you
will pay a portion of your coverage. Refer to the table to the
right to determine what percentage of the premium you are
required to pay:
UNION
AFFILIATION
% CONTRIBUTION
CITY
EMPLOYEE
Unrepresented
CPOA
Local 1055
Local 773
CPLA
Permanent
Part-Time
100%
100%
100%
100%
100%
Based on FTE %
0%
0%
0%
0%
0%
Based on FTE %