Participating in
Group Life Insurance

When Coverage Begins

Basic Life Insurance

Your Basic Life coverage is effective as of your date of hire or the date that you become a Benefits-Eligible Employee.

Supplemental Life Insurance

If you enroll in Supplemental Life Insurance within 31 days of your date of hire as a Benefits-Eligible Employee, coverage is effective as of your date of hire or the date that you become a Benefits-Eligible Employee. If, however, your Supplemental Insurance coverage is more than $600,000, you must complete an enrollment form and show proof of insurability for the incremental amount over $600,000. The portion of your coverage over $600,000 takes effect on the insurance company's approval date.

If you enroll in Supplemental Life Insurance after your first 31 days of hire or the date that you become a Benefits-Eligible Employee, you need to show proof of insurability through a statement of health. Your coverage takes effect on the insurance company's approval date.

Coverage will not begin unless you are Actively at Work. If you are not Actively at Work on the date coverage would start, your coverage will take effect on the date after you have completed five full consecutive days of active work.

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.