Your Spouse/Domestic Partner under age 65 may enroll online for up to $250,000 of coverage. Dependent Children under 26 are all eligible to enroll for $10,000 of coverage. The cost is added to your Member Term Life premium.

If you have any questions or need assistance, contact Member Benefits at 844-760-5124.

An Accelerated Death Benefit Option (ABO)^*, is included at no cost to the member only. This feature allows early access to a portion of your life insurance benefit prior to your death. If you are diagnosed with a terminal illness and have a life expectancy of 24 months or less, you can receive 90% of your coverage amount, or up to $100,000.

Footnote

^*Accelerated Death Benefit option is a feature that is made available to group life insurance participants. It is not a health, nursing home, or long-term care insurance benefit and is not designed to eliminate the need for those types of insurance coverage. The death benefit is reduced by the amount of the accelerated death benefit paid. There is no administrative fee to accelerate benefits. Receipt of accelerated death benefits may affect eligibility for public assistance and may be taxable. The federal income tax treatment of payments made under this rider depends upon whether the insured is the recipient of the benefits and is considered terminally ill. You may wish to seek professional tax advice before exercising this option.

Only four health questions are required for online enrollment. However, an attending physician’s statement or paramedical exam may be ordered, based on medical history.

When you reach age 65, coverage is reduced to 65% of the original coverage amount. At age 70, coverage reduces to 50% of the original coverage amount, and at age 75, coverage reduces to 75% of your coverage amount. At age 80, coverage is terminated.

Yes. If you're no longer insured for the Member Term Life Insurance because your membership in the covered class ends, or part of the Group Contract ends, you may convert to an Individual policy.

Member Term Life benefits are payable to your beneficiary(ies).

A death benefit is not payable if your death is caused by a suicide and that death occurs within 2 years of the date your coverage became effective.

Coverage is effective the 1st of the month following approval of your enrollment, subject to payment of the required premium contributions.

No, premium contribution is not required at time of enrollment. Your first premium contribution will be due following approval of your enrollment request.