This option is available exclusively if you are already covered under a spouse’s plan or another group plan. It protects your income in case of sickness or injury—something your spouse’s plan cannot provide.

• You must be a permanent part-time or casual employee under age 65, working 18 hours or more per week on average.

Application Requirements

• Because you are applying outside of a 60-day open window, this coverage will be medically underwritten. Complete Form 3 along with your application.

Optional Increases

• You may increase Life Insurance and Long-Term Disability or add coverage for a spouse and/or children. Forms 3, 4, 5, and 6 are required.

Special Offer (for those under 35)

• In addition to the standard $1,000 Long-Term Disability (included with Signature), employees under age 35 may be eligible for up to an additional $1,000 of excess long-term disability coverage at no cost.
• This additional coverage is subject to medical underwriting and restrictions. Forms 3 and 4 are required.

For further details regarding coverage and enrollment forms, click "Additional Plan Details" above.

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