Participating in
Group Life Insurance

Coverage During a Leave

Long-Term Disability

For the duration of the long-term disability leave, you may continue your life insurance coverage at the same level as before your leave. You will be billed for Supplemental Life Insurance coverage on a monthly basis. If you fail to pay, you may jeopardize your coverage. While you are on disability leave, you can decrease but not increase your Supplemental Life Insurance coverage.

Your life insurance premium may be waived by the insurance company if you become totally disabled before age 60 (as defined by the life insurance policy) and you are disabled for six consecutive months.

If you return to work in the same or another benefits-eligible position, your coverage will automatically continue and the cost for the Supplemental Life Insurance coverage will be deducted again from your paycheck.

If you return to work in a benefits-ineligible position, or don’t return to work at the end of your leave, your life insurance coverage will end.

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.