LIfe/AD&D

unum.com or 1-866-679-3054

• Choose $50,000 to $950,000 in coverage in $50,000 increments.
• If you leave BEK, you can take this coverage with you when you continue to pay premiums directly to Unum.
• If you enroll during your initial enrollment period, you are guaranteed coverage up to $300,000.
• Amounts over $300,000 will require Evidence of Insurability (EOI) and must be approved by Unum to be effective.
• Rates are based on the age of the employee as of January 1, 2019.

What you need to know:

• Choose a coverage amount of $50,000 to $250,000 in $50,000 increments.
• You must enroll in supplemental life/AD&D if you want to cover your spouse.
• Spouse coverage can be up to 50% of the employee life/AD&D amount, not to exceed $250,000. For instance, if an employee chooses $100,000, the spouse can enroll in $50,000.
• Amounts over $50,000 require Evidence of Insurability (EOI) and must be approved by Unum to be effective.
• Rates are based on the age of the employee as of January 1, 2019.

What you need to know:

• Each child receives $10,000 in life/AD&D coverage.
• Children up to age 26 can be covered.
• You may enroll unmarried dependent children age 26 or older who are incapable of self-care due to a mental or physical disability. They must be fully dependent on you for support and claimed on your federal tax return.
• Be sure to list the names of each child during enrollment when requested; otherwise, they will not have coverage.
• Pay the same low rate of $1.50 a month—no matter how many children you enroll.