Life and Disability Plans

Employee Guide

Life and Disability Plans

The enrollment screens for life and disability plans show if your benefits administrator configured the enrollment with any of the following sections and if you're eligible to elect plan options in each section:

  • Basic Life Insurance
  • Supplemental Life Insurance
  • Basic AD&D Insurance
  • Supplemental AD&D Insurance
  • Long Term Disability Plans
  • Short Term Disability Plans
  • Dependent Life Insurance
  • Other Life Plans

You can view and select plan options in separate screens for each section as you click Continue during enrollment.

In the Life and Disability Plans screens, you can do the following:

  • Enter coverage amounts, view amounts, and select multipliers for coverage based on how the plan options were configured for the enrollment. The amounts in the option cards gets updated based on the entered values. The lowest multiplier shows by default for plan options configured with multipliers.
  • Life and disability plan options cards.
  • Select plan options. In some cases, you're automatically enrolled to a plan option and cannot change it; however, you can select other options based on how your enrollment was configured.

You can select beneficiary designations for the selected plan options. If you select two plan options and both options are configured to record beneficiary designations, you must designate beneficiaries for both options. The option name shows next to the Beneficiary Designation section heading to identify the option for which you're recording beneficiaries.

You can record primary and contingent beneficiary designations for the plan options. Click Change in the Beneficiary Designation section for the plan option. Select the checkbox next to beneficiaries and enter the allocation value in percentage. The allocation values for the selected beneficiaries must add up to 100%. Click Confirm to save the beneficiary designations only when the Remaining Allocation value shows 0%.

When you select a beneficiary as primary, the beneficiary doesn't appear in the contingent beneficiaries list. However, primary beneficiaries with 0% allocation value show in the contingent beneficiaries list. If you change the selected plan option, you must designate beneficiaries again.