When You Can Apply

• Complete / Complete Plus

Available only during a 60-day open enrollment window

• Essential / Essential Plus

Available any time

Optimum Coverage (Enhanced Option)

Looking for a higher level of coverage? The Optimum plan offers enhanced protection at the same cost as Complete, with a few additional steps:

• Requires a Statement of Health (Form 2)
• Approval is based on medical history
• In some cases, coverage may include exclusions related to pre-existing conditions
• You’ll be enrolled in a guaranteed plan of your choice while your application is reviewed
• Rates will be adjusted if applicable at the time of approval
• If Optimum isn’t approved, your guaranteed coverage remains unchanged

Guaranteed Core Coverage

• Life Insurance: $10,000
• Long-Term Disability: $1,000 per month
• Accidental Death, Disease, and Dismemberment: $25,000
• Guaranteed during an open window. Applications outside the open window require a health questionnaire and are subject to medical underwriting.

Special Offer (for those under 35)

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

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.

For full details on coverage options and required forms, click "Additional Plan Details" above.

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