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.
• If you ever lose your spousal or other group health benefits, you and your family members will be guaranteed extended health care coverage through Health Care Providers (some conditions may apply).

Application Requirements

• To ensure guaranteed coverage with no medical questions, your application must be received within the 60-day open window.
• Applications outside the 60-day window are subject to medical underwriting. 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. Optional increases are subject to medical underwriting.

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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