Basic Life Insurance

It's not easy to think about, but what would happen to your loved ones if something happened to you? Your death could leave your family unable to meet existing and unexpected financial obligations. In addition to everyday bills, they may face extra expenses, including final medical and funeral costs.

Your employer provides Group Basic Life insurance to help protect your loved ones. You also have the option to elect Additional Life insurance for yourself or your dependents.

Please review the benefits at a glance (English or Spanish) and the Life Certificate of Insurance for answers to commonly asked questions, exclusions, limitations and reductions.

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Jared's Story: Time for Family
Age: 36 - Occupation: pediatrician - Married, one child

How the Family Care Benefit provided the ability to care for a loved one
Jared's daughter was born with a heart defect. They visited multiple specialists to diagnose the condition and determine the appropriate treatment. Then his daughter underwent surgeries, hospital stays and months of follow-up appointments. Benefits from Jared’s Platinum Advantage policy helped make up for the income lost when Jared spent time away from work to attend physician appointments and to be with his daughter in the hospital and throughout her extended recovery — providing peace of mind during a trying time.

Jody's Story:
Supportive Office Equipment
Age: 42 - Occupation: accountant - Married, no children

Assistance on the road to recovery through a rehabilitation program
Jody's role as an accountant at a small firm requires a lot of computer work. After sustaining a serious back injury from a car accident, Jody was totally disabled under her Platinum Advantage policy. Jody’s doctor recommended she purchase assistive equipment to help her work comfortably at her desk without aggravating her condition. She was able to return to work full time after participating in a rehabilitation program in which expenses for a sitstand desk and other ergonomic accommodations were paid for under her Platinum Advantage policy. These modifications helped ensure she could return to work safely, without hindering her recovery.

David's Story: Starting a Medical Career
Age: 33 - Occupation: dermatology physician - Single, no children

Benefits that match career growth through the Benefit Increase Rider
David is completing his dermatology residency and just accepted an offer at a private practice. Before the end of his residency, he purchased a Platinum Advantage policy that included the Benefit Increase Rider, knowing his income will rise significantly after he starts his first post-residency job. The benefit also will allow his policy to grow with him as he progresses in his career and receives additional salary increases. David values the fact that his coverage going forward will match his developing career.

Jason's Story: Accidents Happen
Age: 35 • Occupation: orthopedic surgeon • Married, two children

Finding work in a new occupation with the Own Occupation Rider
Jason injured his right hand in an accident and was unable to return to his job as an orthopedic surgeon because he couldn't perform surgery. Due to his medical training, he was able to return to work as a family medicine physician. Jason was considered totally disabled in his regular occupation as an orthopedic surgeon — even though he earns an income from another occupation as a family medicine physician — because of the own occupation definition of total disability included in his Platinum Advantage policy. Because of this, he receives the policy's full basic monthly benefit, in addition to the income he receives in his new position.

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