Next: Your Life Insurance Conversion Privilege

YOUR CONTINUED EMPLOYEE LIFE INSURANCE COVERAGE DURING TOTAL DISABILITY

If you become totally disabled for any reason prior to age 65, your life insurance will be continued while you remain in pay status. Thereafter, your active life insurance coverage will be continued at no cost if you are declared totally disabled by one of the following disability programs:

1. The State’s Long Term Disability Plan;

2. Social Security Disability coverage;

3. Workers’ Compensation Insurance; or

4. The State’s Duty or Non-duty Disability Retirement Plan.

Your continued insurance is the amount in force on the day you became disabled. However, if you are totally disabled on your 65th birthday, you will be considered to be retired and your life insurance amount will be 25% of the coverage in force immediately prior to age 65.

If you become totally disabled as described above after age 65, your life insurance will continue at no cost to you at 25% of the coverage in force on the day you become disabled.

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