EMPLOYEE BENEFITS / LIFE

Group Voluntary

Group Life

Upon the attainment of age 65 amounts of Life and AD&D insurance shall be reduced by 35%; an additional 20% at age 70; an additional 15% at age 75; an additional 10% at age 80. Upon retirement all insurance benefits shall terminate.
The Spouse’s amount of insurance will reduce in the same manner as the Insured’s amount of insurance upon spouse’s attainment of reducing ages and terminates at the Insured’s retirement.
Employees terminating coverage and retirees can convert their group life to a private life insurance plan. Employees should read their Voya Life Insurance Booklet for directions and then contact TCSIG at 530-822-5299 for the Life Conversion form.

PLAN	LIFE	AD&D	SPOUSE	CHILD (Day 1 - Age 26)
Option I	$10,000	$10,000	$5,0000	$5,000
Option II	$25,000	$25,000	$5,0000	$5,000
Option III	$50,000	$50,000	$5,0000	$5,000
Option IV	$100,000	$100,000	$5,0000	$5,000
Option V	$150,000	$150,000	$5,0000	$5,000
Option VI	$200,000	$200,000	$5,0000	$5,000

Voya’s Value-Added Service

This program is available to all employees and dependents insured by the Life & AD&D policy at no additional cost. Emergency Travel Assistance, including: Immediate access to doctors, hospitals, pharmacies and certain other services when faced with a medical-related emergency while traveling more than 100 miles away from home.

A global network of pre-qualified medical providers
A state-of-the-art Operation Center with worldwide capabilities
Air and ground ambulance providers
Payment for all of the assistance services it arranges.

Voya Travel Assistance Flyer with Card
Group Life Brochure with VOYA Travel Assistance Information
Voya Will Prep

LIFE AMOUNT AND CORRESPONDING SUMMARY
$10,000
$25,000
$50,000
$100,000
$150,000
$200,000

Voluntary Life

What is Voluntary Term Life Insurance?

Offered through your employer
Pays a benefit to your beneficiary if you pass away during a specific period of time (“term”)
Term is generally one year, renewing annually with other employer-offered benefits
You have the option to elect Voluntary Term Life Insurance.

Eligibility and coverage options

For you:

All active employees working 20⁺ hours per week and enrolled in TCSIG medical plans.
Voluntary Term Life Insurance coverage Options: Eligible employees may elect Voluntary Term Life Insurance of $50,000, $100,000, $150,000 or $200,000.
Age reductions: Benefit amount reduces to 65% of original coverage at age 65 and to 50% of original coverage at age 70.

For your spouse*:

If your spouse is covered under the policy as an employee, then your spouse is not eligible for coverage under the spouse benefit. Coverage is available only if employee Voluntary Term Life Insurance is elected.
Eligible employees may elect spouse Voluntary Term Life Insurance of $10,000, $15,000 or $25,000. Coverage cannot exceed 100% of your approved employee Voluntary Term Life Insurance amount.
Age reductions: Benefit amount reduces to 65% of original coverage at spouse age 65 and to 50% of original coverage at spouse age 70 and after.

For your children:

To age 19, to age 26 if a full-time student.
Coverage is available only if Employee Voluntary Term Life Insurance is elected. If both parents are covered as employees, only one but not both may cover the same children. If the parent who is covering the children stops being insured as an employee, the other parent may apply for children's coverage.
Eligible employees may elect Children Voluntary Term Life Insurance of $10,000.
Age reductions: Not applicable

* The use of “spouse” in this document means a person insured as a spouse as described in the certificate of insurance or rider. This may include domestic partners or civil union partners as defined by the group policy. Please contact your employer for more information.

What does my life insurance include?

The benefits listed below are included with your life insurance coverage.

Accelerated Death Benefit: If you are diagnosed with a terminal illness with a limited life expectancy, you may receive a portion of your death benefit while still living.

Conversion*: You may convert life insurance coverage to an individual whole life insurance policy when you leave your employer or due to loss of eligibility under the employer’s group policy.

Waiver of Premium: If you become unable to work due to total disability, your Voluntary Term Life Insurance can be continued without premium payment.

Convenient Payroll Deductions: Premium deductions for Voluntary Term Life coverages are taken directly from your paycheck, so you never have to worry about late payments or lapse notices.

A complete description of benefits, limitations, exclusions and termination of coverage will be provided in the certificate of insurance and riders.

* Coverage on your spouse and children is available if they are enrolled for Voluntary Term Life Insurance.

Exclusions and limitations

Voluntary Term Life Insurance coverages have a two-year suicide exclusion from the effective date of coverage or an increase in coverage.

Voluntary Life Plan Certificate
Voluntary Life Conversion Form

Additional non-insurance services:

Funeral Planning and Concierge Services
Employee Assistance Program
Voya Travel Assistance
Voya Will Prep