Participating in
Group Life Insurance

Automatic Coverage Changes

Basic Life Insurance

The amount of Basic Life Insurance does not change when your Salary or age changes.

When your status as a Benefits-Eligible Employee changes from full-time to part-time or vice versa, the amount of coverage provided under the Basic Life Insurance will be adjusted accordingly.

Supplemental Life Insurance

The amount of your Supplemental Life Insurance will be adjusted automatically when your Salary changes and when your age class changes.

If your age class changes, the adjustment will take effect on the first day of the month that falls on or next follows the date of change (see “How Group Life Insurance Works”).

If your Salary changes, the adjustment will take effect on the date of the change. If as a result of a Salary change, your elected supplemental insurance coverage is over $600,000, you must show proof of insurability through the insurance company’s statement of health form. Your coverage over $600,000 takes effect on the insurance company's approval date. If no proof of insurability is provided, the Supplemental Life Insurance amount is capped at $600,000.

You must be Actively at Work on the date that your Salary changes. If you are not Actively at Work on that date, the change in 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.