Disability and Life Insurance
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Assurant provides Disability, Basic Life and Basic Accidental Death & Dismemberment (AD&D) Insurance:
Protect Your Income
Assurant automatically provides a competitive level of disability coverage to replace earnings that would otherwise be lost due to your own serious health condition, pregnancy or following a qualifying accident or injury. Assurant also automatically provides Basic Life and Basic Accidental Death & Dismemberment (AD&D) Insurance. You have the option to purchase additional life insurance protection for yourself or your dependents, as well as additional AD&D insurance for yourself. MetLife and Lincoln Financial certificates for long-term disability and life insurance benefits are available upon request to HR Services at 866.324.6513 or MyHR@assurant.com

Assurant automatically enrolls you and pays for Short-Term Disability Plan coverage. The Plan provides income in the event you cannot work due to illness, injury or pregnancy. Benefits begin after you have been disabled for seven consecutive calendar days and is payable for the duration approved by Lincoln Financial, the short-term disability administrator, up to a maximum of 25 weeks. Please note: Effective May 1, 2018, Liberty Life Assurance Company of Boston was acquired by The Lincoln National Life Insurance Company, a Lincoln Financial Group company. During the transition, employees may receive communications from both companies. Please open and read all correspondence you receive about your benefits.

Service with AssurantPercentage of Your Base Pay Replaced1

Less than 91 days

0%

More than 91 days

50% for weeks 2-26


1. Refer to the Assurant Affiliate Health and Welfare Benefit Plan Summary Plan Description (SPD) for the definition of Base Pay and other Plan details.

Requesting a Leave of Absence
You can request a leave through MyHR, from the link on Connect home page.

Your Short-Term Disability premium is fully paid by Assurant. However, the premium is added to your taxable earnings for tax purposes only. This means that, because you are taxed on the premium for this coverage, any future benefits you may receive are exempt from income taxes to the extent allowed by law.

Note: If you are enrolled in the Assurant Health Plan, Anthem Blue Care Consultant services provides a team of registered nurses and specialized clinicians to guide you through health programs that may offer additional support for your medical condition.

You have the opportunity to enroll in the Long-Term Disability Plan which gives you added protection in the event your disability lasts for more than six months. Benefits provide 60 percent of your annual Plan Pay (salary plus eligible incentives) at the time of disability.

If you elect this coverage, premiums are deducted on an after-tax basis each pay period, and any future benefits you may receive are exempt from income taxes to the extent allowed by law. Long-term disability benefits begin after you are continuously disabled for six months and may continue as long as you are disabled under the terms of the Plan. Special rules apply if your disability begins at or after age 60 or if your disability is due to a mental or nervous condition or substance abuse.

Preexisting condition provisions may apply. If you do not request Long-term Disability coverage during your initial enrollment period then you may be required to provide a statement of health before your coverage is effective.

Refer to the Assurant Affiliate Health and Welfare Benefit Plan Summary Plan Description (SPD) for Plan details.
Assurant automatically enrolls you and pays for your Basic Life Insurance coverage in the amount of $25,000. A benefit is paid to your designated beneficiary upon your death.
Assurant automatically enrolls you and pays for your Basic AD&D Insurance coverage in the amount of $25,000. A benefit is paid to you or your designated beneficiary if, as the result of an accident, you become dismembered (benefit is equal to all or a portion of the coverage amount) or die (benefit is equal to the full coverage amount).
In addition to your Basic Life and Basic AD&D Insurance, the following supplemental coverage options are available.
PlanCoverage OptionsCoverage Levels
Supplemental Life InsuranceThe maximum life insurance coverage amount that you can elect (under Basic and Supplemental Life Insurance Plans combined) is $1.5 million.

Premiums are age-related and based on tobacco use/non-use. You must provide a statement of health (SOH) when:

• You increase coverage at any time

• The combination of Basic and Supplemental Life coverage exceeds $1.5 million


Your SOH form must be approved before your new election will take effect
One to eight times your annual Plan Pay
Dependent Life InsuranceDependent Life Insurance is limited to 50% of your Life Insurance coverage (under Basic and Supplemental Life Insurance Plans combined).

If you and your spouse/domestic partner both work for Assurant:

• You cannot be covered for Life Insurance as both an employee and as a dependent, and
• Only one of you may cover any eligible children under the Dependent Life Insurance

If you enroll your children, all of your eligible children are covered for the same premium.

You must provide a statement of health (SOH) when you:

• Request spouse/domestic partner coverage $75,000 or more
• Increase the amount of coverage for either your spouse/domestic partner.

Your SOH form must be approved before your new election will take effect.
Spouse/Domestic Partner:
$10,000,
$25,000,
$50,000,
$75,000,
$100,000

Child(ren):
$5,000,
$12,500,
$25,000
Supplemental AD&D InsuranceThe maximum AD&D coverage that you can elect (under Basic and Supplemental Life Insurance combined) is $1.5 million. The amount of your Supplemental AD&D benefit payable depends on the nature and extent of the loss as outlined in the Assurant Affiliate Health and Welfare Benefit Plan Summary Plan Description (SPD).One to eight times your annual Plan Pay