Optional Group Life Insurance Program Features

You can select one of the following coverage options to cover yourself, up to a maximum of $700,000.

You can cover your spouse for up to half the maximum amount of the coverage you select for yourself, not to exceed $350,000. Coverage for your spouse ends when your coverage ends or if you and your spouse divorce. If both you and your spouse are eligible to participate in the Optional Group Life Insurance Program, neither of you can buy additional coverage for the other.

You can cover each dependent child who is at least 15 days old for $10,000, $20,000 or $30,000, depending on the coverage option you select for yourself. Coverage for dependent children ends when your coverage ends or your child marries, becomes self-supporting, reaches age 21 or reaches age 25 as a dependent attending college full time. Coverage continues for dependent unmarried children who are disabled.

Proof of good health (evidence of insurability) is not required if you enroll in the Optional Group Life Insurance Program within 31 days of your employment date or a qualifying event, such as marriage or the birth or adoption of a child. Proof of good health is required if:

• You apply after 31 days from your employment date or a qualifying event.
• You wish to add your spouse or dependent child to your coverage after 31 days from your employment date.
• You wish to purchase more than $350,000 for yourself.
• You wish to increase your optional group life insurance coverage for yourself or your spouse.
• Your spouse’s insurance amount is more than half your salary.