Your Group Life Insurance Benefits

Participating in
Group Life Insurance

Eligibility

Enrolling

Naming a Beneficiary

Cost of Coverage

Basic Life Insurance

Supplemental Life Insurance

When Coverage Begins

Basic Life Insurance

Supplemental Life Insurance

Changing Your Coverage

Basic Life Insurance

Supplemental Life Insurance

Automatic Coverage Changes

Basic Life Insurance

Supplemental Life Insurance

Coverage During a Leave

Short-Term Disability

Family and Medical Leave

Leave of Absence

Long-Term Disability

Military Leave of Absence

When Coverage Ends

When You Retire

Converting to an Individual Policy if Group Life Coverage Ends

How Group Life Insurance Works

Your Options

Basic Life Insurance

Supplemental Life Insurance

Misstatement of Age

Living Choices

Receiving Life Insurance Benefits

Filing a Claim

Benefit Payments

Overpayment of Benefits

Administrative Information

Assignment of Benefits

If Your Claim Is Denied

Asking for a Review

Your ERISA Rights

Receive Information About the Plan and Benefits

Prudent Actions by Plan Fiduciaries

Enforce Your Rights

Assistance with Your Questions

Discretionary Authority

Service of Legal Process

Plan Amendment and Termination

Collective Bargaining

Other Plan Information

Glossary

A Final Note

While this Summary Plan Description summarizes the major provisions of this plan, it does not provide you with every plan detail. The plan documents, which govern this plan, provide full details. If there are any discrepancies between this Summary Plan Description and the legal plan documents, the legal plan documents control.