Dependent Life Insurance

 
 

Benefits Summary Plan Description

Dependent Life Insurance

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Dependent Life Insurance

If employees elect Group Universal Life (GUL) Insurance (2018) for themselves, they can also elect Dependent Life Insurance for their eligible dependents. In no case may covered employees be also covered as dependents, and dependents may not be covered more than once. Additional information can be found in the Plan Summary.

How it Works
       
Child Coverage
       
Evidence of Insurability
       
Accelerated Benefits
       
Limitations and Exclusions




How Spouse or Registered Domestic Partner Coverage Works

Employees can purchase Spouse Life Insurance for their spouse or registered domestic partner*.

In 2018, coverage is available for:

  • $10,000
  • $25,000
  • $50,000 **
  • $100,000 **
  • $150,000 **
  • $200,000 **
  • $250,000 **

* Life insurance eligibility for a spouse or registered domestic partner is based on the employee's age.

** If you elect coverage to exceed the Guaranteed Issue, your spouse/domestic partner will be subject to EOI. Refer to Evidence of Insurability for more information.





Child Coverage

Employees can purchase Child Life Insurance for their eligible children, including their registered domestic partner's children*.

In 2018, coverage is available for:

  • $5,000
  • $10,000
  • $25,000

* To qualify for this benefit, a stepchild or registered domestic partner's child must reside with the Leidos participant.

Requirements for Dependent Coverage

On the date life insurance would otherwise be effective, if an eligible spouse, registered domestic partner or dependent child is:

  • an inpatient in a hospital, hospice, rehabilitation center, convalescence center, custodial care facility, or
  • confined to his or her home under the care of a physician

Then life insurance will become effective on the date he or she is no longer an inpatient in these facilities or confined at home





Evidence of Insurability

When an employee enrolls for Spouse Life Insurance, he or she will be required to provide evidence of insurability (EOI) if he or she:

  • Elects coverage in excess of $25,000 for his or her spouse or registered domestic partner when first eligible.
  • Elects more than a one level increase during a qualified life event or Open Enrollment.

If the elected amount require EOI, Prudential will either mail or email the required form and instructions for completion. Prudential may request that the employee’s spouse or registered domestic partner, if applicable, complete a brief medical questionnaire. He or she may need to provide additional information.

Any evidence of insurability must be satisfactory to the plan's underwriter before coverage can be approved. The plan's underwriter uses standard underwriting rules and procedures for reviewing applications and has sole authority to approve or reject any application on the basis of health. Spouse Life Insurance coverage will be provided at the existing level while the decision on the participant's evidence of insurability is pending.





Accelerated Benefits

Spouse Term Life Insurance pays accelerated benefits in the event that an employee’s spouse or registered domestic partner becomes terminally ill and is not expected to live for more than 12 months, he or she may request an accelerated benefit equal to a maximum of 50% of his or her life insurance benefit. The maximum accelerated benefit amount is $250,000.

Any remaining benefit amount will be paid to the employee upon his or her death (The employee is automatically the beneficiary for any covered dependent). For a covered person to qualify for an accelerated benefit, two doctors must certify his or her condition.





Limitations and Exclusions

Spouse Term Life Insurance will not be payable if a spouse or registered domestic partner commits suicide within the first two years of being covered.