Optional Dependent Life Insurance

If an employee elects Group Universal Life (GUL) Insurance for themselves, they can also purchase Dependent Life Insurance for their eligible dependents.

In no situation may covered employees also be covered as a dependent of another covered Leidos employee. Therefore, if you are married to another Leidos employee, you cannot be covered as both an employee and a dependent for Optional Dependent Life Insurance. In addition, any eligible dependent child(ren) can be covered by only one Leidos employee.

Additional information can be found in the Plan Summary or Certificate of Coverage.

Coverage

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

Coverage is available for:

Note - Life insurance rates 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 Evidence of Insurability (EOI). Refer to Evidence of Insurability for more information.

Under the Optional Dependent Life Insurance, employees can purchase Child Life Insurance for their eligible dependents which include the employee’s natural child(ren), legally adopted child(ren), child(ren) placed with the employees for adoption prior to legal adoptions** and the employee’s stepchild(ren)* and domestic partner’s child(ren)*

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 employee.

**A child placed with an employee for adoption prior to legal adoption is considered a qualified dependent from the date of placement for adoption

Other Information

On the date life insurance would otherwise be effective, if an eligible spouse, registered domestic partner or dependent child(ren) 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.

When an employee enrolls in Optional Dependent Life Insurance for their spouse or registered domestic partner, he or she will be required to provide Evidence of Insurability (EOI) if he or she:

Elects Spouse Life coverage in excess of $25,000 for his or her spouse or registered domestic partner when first eligible to enroll.
Elects more than a one level increase to Spouse Life coverage 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.

Any EOI 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 EOI is pending.

Spouse Term Life Insurance pays additional benefits including:

Accelerated Benefits — If 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 Spouse Life Insurance benefit. The maximum accelerated benefit amount is $250,000.

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

IMPORTANT INFORMATION FOR RESIDENTS OF CERTAIN STATES: There are state-specific requirements that may change the provisions under the Coverage(s) described in this Group Insurance Certificate. If you live in a state that has such requirements, those requirements will apply to your Coverage(s) and are made a part of your Group Insurance Certificate. Prudential has a website that describes these state-specific requirements. You may access the website at www.prudential.com/etonline. When you access the website, you will be asked to enter your state of residence and your Access Code. Your Access Code is 52844.

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