Life Insurance Benefit

Employee - $50,000
Spouse - $1,500
Dependent Children from live birth to age 26 - $750

Living Benefit

Active and disabled active participants who become terminally ill (which means they have a life expectancy of less than 12 months) may cash out up to 80% of the Basic Term Life Insurance benefit before death. The Basic Term Life Insurance benefit is $50,000. The Living Benefit allows the member to access between 40% and 80% of the $50,000. This means the maximum payout is $40,000 and the minimum Living Benefit payout is $20,000. The remaining life insurance benefit (which equals the difference between the Living Benefit amount cashed out and the $50,000 maximum benefit) will be paid out at death to the participant's designated beneficiary. Proof of the illness will need to be submitted at the time the participant applies for the Living Benefit payment.

Living Benefit is applicable to the Basic Term Life Insurance coverage only. It does not apply to dependents Life Insurance or Accidental Death & Dismemberment Benefits.

To obtain the application for the Living Benefit, click here. For additional information about the Living Benefit contact The Standard Insurance at www.anthem.com/ca or call 1-800-801-6142.

Extended Life Insurance Coverage

Active employees covered by The Standard Insurance $50,000 Life Insurance benefit may be eligible to continue their Life Insurance coverage after losing Trust Fund eligibility due to a total disability. However, this Extended Life Insurance coverage does not include Dependents Life Insurance or Active Employees Accidental Death & Dismemberment Benefits.

In order to be eligible to continue or "extend" the life insurance coverage, your disability must start before you have reached age 60, and must be classified as a total disability which means that you are expected never again to be able to do your job, and expected to never again be able to do any work for wage or profit. Your coverage for the Extended Life Insurance Benefit will begin only after your disability has been on-going for 9 consecutive months (the required waiting period). To establish eligibility for the extended coverage you will need to submit an application to The Standard Insurance. The application may be submitted within the 9 month disability waiting period, but no later than 12 months after the onset of the disability. You will also have to provide annual disability notices to The Standard Insurance as proof of your continued disability. The Standard Insurance may also request that you be examined by one of their doctors, but never more than once in a 12 month period.

Contact The Standard Insurance at www.anthem.com/ca or 1-800-543-3037 for further details. To obtain the application for the Life Insurance Premium Waiver, click here.

Accidental Death and Dismemberment

The full AD&D benefit of up to $50,000 is paid for loss of life and one-half of the maximum benefit amount will be paid for dismemberment as listed below:

• loss of a hand (all of the hand is cut off at or above the wrist);
• loss of a foot (all of the foot is cut off at or above the ankle);
• loss of eye or sight of an eye (loss of sight of an eye means that the eye is entirely blind and that no sight can be restored in that eye).

Click here to download the claim form.

Benefit Payment

The death benefit will be paid in a lump sum to the beneficiary (or beneficiaries). If you are married (or become married), your spouse is automatically the beneficiary unless you designate another beneficiary and your spouse agrees to this in a notarized document. If you are unmarried (or if your spouse consents) you designate your beneficiary or beneficiaries using the Life & AD&D Insurance Beneficiary Designation form. If you do not designate a beneficiary, or if the designated beneficiary dies before you, the Plan will pay the benefit according to its rules.

Life Insurance Guide

Click here to view the Life Insurance Guide.

Click here to view the The Standard Insurance Benefit Summary

Added Value Resources

Resource Advisor: www.ResourceAdvisorCA.Anthem.com
Program Name: ResourceAdvisor

Travel Assistance: www.europassistance-usa.com/
Username: AnthemBC
Password: 95164

Employee Life & AD&D

Your Life and Accidental Death & Dismemberment (AD&D) Insurance with the SC IBEW-NECA Health Trust Fund (Health Fund) provides more benefits than you may think. Do you know what's available to you and your family? Download the Employee Life Insurance and AD&D flyer to learn about your benefits!