The enrollment screens for dependent life insurance plans show plan options for the spouse, legal partner, and children in separate screens if the employee is eligible to select plan options.
The dependent life insurance plans for the spouse or legal partner include the name of the spouse or legal partner in the Covered Dependents section by default.
You can customize the dependent life insurance option cards for child dependents. You can cover child dependents in various plan options. By default, each option card shows None selected under Covered Dependents section. If plan options don’t require selecting child dependents, the Covered Dependent section doesn't show in the option card.
In the Dependent Life Insurance Plans screen for child dependents, you can customize the option cards based on how the enrollment was configured:
- If your enrollment has fixed coverage set for the plan option, you can click Customize in the option card and select the checkbox next to the dependents to cover in the plan.
- If your enrollment has plan options with coverage set for each dependent, the coverage amount is multiplied by the number of covered dependents to determine the total coverage amount. Click Customize in the option card, select the checkbox next to the dependents to get covered in the plan and click Calculate to calculate the costs.
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- If your enrollment has plan options with fixed coverage set for each dependent, and age reduction rules configured, click Customize in the option card, select dependents, enter the coverage amount, and click Calculate to calculate the costs.
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- If your enrollment has plan options with fixed coverage set for each dependent, and guaranteed amount configured, click Customize in the option card, select dependents, enter the coverage amount for each dependent, and click Calculate to calculate the costs.
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- If your enrollment has plan options with coverage multipliers configured, click Customize in the option card, select dependents, enter the multiplier, and click Calculate to calculate the costs. Click Select Plan to select the plan option.
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Click Select Plan to show the selected dependents and cost calculation details in the option card.
The option cards show the Requested Coverage Cost label when:
- The plan option includes a guaranteed amount.
- The employee requests coverage that exceeds the guaranteed amount.
This label helps employees understand the potential cost per pay period after the evidence of insurability (EOI) is approved. If the plan allows dependent coverage, the requested coverage cost is calculated based on the number of selected dependents. For example, if the coverage requested for each dependent is 5,000 and two dependents are selected, the total requested coverage is 10,000. The requested coverage cost for each pay frequency is calculated based on this total amount. The tooltip for the Requested Coverage Cost label updates based on the number of dependents.
The requested coverage cost also shows on the Review and Next Steps screens. This cost isn’t saved when you submit the enrollment and doesn’t show in the History tab of Benefits.
| Coverage dependent options | Cost calculation details |
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| Age reduction and guaranteed amount apply to the election |
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| Age reduction and guaranteed amount don’t apply to the election |
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| Age reduction applies to the election but not guaranteed amount |
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| Guaranteed amount applies to the election but not age reduction |
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You can click Modify to change the selected dependents. When you click Continue and proceed to the next screen, only the selected option cards show customized details. All other cards reset to the default state.