Conversion and Portability of Life Insurance

If you lose coverage due to a change in employment status, resignation or termination, you may be eligible to continue the Life insurance coverages through Standard Insurance Company on an individual paying basis. If retiring from APS, additional options are available to continue Life insurance, please visit your benefits office for a Retirement Packet.

Conversion

If your Life insurance ends or is reduced (for any reason other than failure to make a required premium contribution or payment of an Accelerated Benefit), you may convert qualifying amounts of your coverage to an individual life insurance policy without providing Evidence of Insurability.

You must apply for Conversion in writing and pay the first premium within 60 days after termination of, or reduction in, your coverage. Premium rates for converted coverage differ from rates for coverage under the Group Policy.

Dependents may also convert qualifying amounts if their Life insurance ends. AD&D insurance may not be covered. To apply, please complete the Group Conversion Packet. If you have questions or want rate information, please contact The Standard at 800.378.4668 with your policy number "645746".

Portability

If your insurance ends because you cease to be a Member due to termination of your employment and you meet the following conditions: You are not disabled, you are under age 70 and you must have been continuously insured under the Group Policy for at least 12 consecutive months; you may continue ("port") qualifying amounts of your group Life, AD&D and Dependents Life coverages.

You must complete the Group Life Portability Insurance Application and pay the first premium within 60 days after you cease to be a Member. Premium rates for ported group coverage differ from rates for coverage under the Group Policy. See the Group Life Insurance Certificate for specific details about the conversion and portability provisions. If you have questions or want rate information, please contact The Standard at 800.378.4668 with your policy number "645746".

Legal

Group Life Insurance, and Group Life with AD&D Insurance, underwritten by Standard Insurance Company is provided under policy form numbers: GP1219-LIFE, GP1219-LIFE-TRUST, GP1219-LIFE-ASSOC, GP190-LIFE/S399, GP411-LIFE, GP190-LIFE/S399/MT.

Group Life Insurance, and Group Life with AD&D Insurance, underwritten by The Standard Life Insurance Company of New York is provided under policy form numbers: GPNY0500-LIFE, GPNYLI-809, et al, GPNYLI-809-ADD. This policy provides LIFE and ACCIDENTAL DEATH and DISMEMBERMENT insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services.

Group AD&D Insurance underwritten by Standard Insurance Company is provided under policy form numbers: GP494-ADD/S99, GP310-ADD, GP609-ADD, GP494-ADD/S399/MT.

Group AD&D Insurance underwritten by The Standard Life Insurance Company of New York is provided under policy form number: GPNY0500-ADD. This policy provides ACCIDENTAL DEATH and DISMEMBERMENT insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services.

AD&D Occupational Assistance service includes certain limitations and exclusions. Expenses are covered only if recommended by a Workplace PossibilitiesSM consultant. AD&D Occupational Assistance is not an insurance product. This service is not available with products offered by The Standard Life Insurance Company of New York.

Travel Assistance is provided through an arrangement with Assist America, Inc. and is not affiliated with The Standard. Travel Assistance is subject to the terms and conditions, including exclusions and limitations of the Travel Assistance Program Description. Assist America, Inc. is solely responsible for providing and administering the included service. Travel Assistance is not an insurance product. This service is only available while insured under The Standard’s group policy. Standard Insurance Company may change providers or terminate service at any time. Travel Assistance is not available with products offered by The Standard Life Insurance Company of New York.

Life Services Toolkit is provided through an arrangement with Health Advocate and is not affiliated with Standard Insurance Company. Health Advocate is solely responsible for providing and administering the included service. This service is only available while insured under Standard Insurance Company's Life insurance policy. Standard Insurance Company may change providers or terminate service at any time. The Life Services Toolkit is not available with products offered by The Standard Life Insurance Company of New York.

The products and coverages have exclusions, limitations, reductions of benefits and terms under which they may be continued in force or terminated. The amount of benefits provided depends on the policy selected. Premium will vary according to the selection made. Please contact your HR representative for additional information, including costs and complete details of coverage.

The Standard is a marketing name for Standard Insurance Company (Portland, Oregon), licensed in all states except New York, and The Standard Life Insurance Company of New York (White Plains, New York), licensed only in New York. Products and availability vary by state and are solely the responsibility of the applicable insurance company.

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