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Group Life and Personal Accident Coverage
Frequently Asked Questions
How much coverage can I purchase?
The amount of coverage you can purchase for you and/or your dependents without the need to provide medical evidence is listed in your package dated March 25, 2008. With this offer you can purchase:
Employee Optional Life: An additional one times your annual salary, up to a maximum of $450,000 when combined with your current Optional Coverage;
Spouse Life: An additional $10,000, up to a maximum of $20,000 when combined with your current Spouse Life Coverage;
Child(ren) Life: An additional $5,000 or $10,000, up to a maximum of $10,000 when combined with your current Child Life Coverage;
Employee Personal Accident Insurance (PAI): 1, 2, 3, 4, or 5 times your annual salary, up to a maximum of $450,000 when combined with your current Employee PAI Coverage;
Spouse Personal Accident Insurance (PAI): Increments of $10,000 up to a maximum of $100,000 when combined with your current Spouse PAI Coverage;
Child(ren) Personal Accident Coverage (PAI): An additional $5,000 or $10,000, up to a maximum of $10,000 when combined with your current Child PAI Coverage.
What is Personal Accident Insurance (PAI) insurance?
Personal Accident Insurance (PAI) is also known as Accidental Death and Dismemberment insurance (AD&D). This coverage pays the amount of your PAI coverage if you die due to a covered accident. It is designed to pay in addition to your Basic and Optional Life coverage, if you die in a covered accident. This coverage also pays benefits at certain percentages of your PAI coverage amount for specific accidental losses. For the specific coverage amount and level of indemnification please consult your Prudential Group Life Booklet included with your enrollment materials.
For any additional coverage that is purchased through this offer, coverage begins on 05/01/2008.
Do I need to have a physical exam or complete a medical questionnaire?
You do not need to have a physical exam or complete a medical questionnaire for the level of coverage quoted in the package dated March 25, 2008.
What does "medical evidence" mean?
Medical evidence means that you will be required to complete a medical questionnaire (i.e. answer questions regarding your or your spouse's health history) and possibly submit to a physical exam.
You will not have to provide medical evidence on any of the coverage that is offered on your Enrollment Form as long as you complete and return the Enrollment form by 4/30/2008 to the Auburn University Payroll & Employee Benefits Office.
What does my coverage cost?
The cost of your coverage for both you and your dependents is found on your enrollment form.
Does my payroll deduction ever change?
Yes. The amount of your payroll deduction may change due to some of the following factors:
- You have an increase or decrease in your annual salary;
- Your age. Premiums go up when you attain certain ages. Beginning at age 25, premium rates increase in 5 year increments until you attain age 70;
- The addition or deletion of coverage for your dependents;
- A change in rates by Prudential.
My current premiums on the Group Life Insurance Enrollment Form do not match my premium deductions on my check stub. Why not?
Your premiums shown on the Group Life Insurance Enrollment Form are calculated as of May 1, 2008. If you have had or will have a birthday on or before May 1, your premiums may increase. This is true even if you choose not to purchase any additional coverage. See previous question.
Why was I not offered additional life coverage without medical evidence for my dependents or me?
Your current level of coverage is already at the maximum coverage amount (see first question).
Can I purchase additional life coverage for my dependents and me if we provide evidence of good health (i.e. medical evidence)?
You may apply for additional levels of life insurance coverage unless you are at the maximum level of the plan (see first question.) The amount of additional life coverage that is subject to medical evidence would only become effective once you are approved by Prudential.
You can apply for additional coverage above the amounts in your letter at any time. Applications and medical evidence forms are available at the Auburn University Payroll & Employee Benefits Office.
How do I correct errors in my beneficiary information?
Please make all necessary beneficiary corrections on the Group Insurance Enrollment Form included in your packet. PLEASE NOTE: Even if your beneficiary designations are correct, please check the appropriate box located on the back of the Group Insurance Enrollment Form acknowledging that your current elections are correct. Be sure to sign and return the form.
Will I be able to apply for more coverage next year without medical evidence?
No. This is a limited offer negotiated by Auburn University and Prudential.
If I purchase coverage for existing children do I need to purchase additional coverage for future children?
No. Provided you have secured coverage for your current child(ren) future children are covered automatically at no additional cost.
Is the Travel Assist benefit available to participants who do not purchase Personal Accident Coverage?
No. In order to benefit from the Travel Assist benefit you need to purchase Personal Accident Coverage, if you don't already have it.
Do I need to turn in the Group Life Insurance Enrollment form if I don't want to change my coverage amounts or my beneficiary information?
Yes. Even if you choose not to select additional coverage or change your beneficiaries please check the appropriate boxes on the Group Insurance Enrollment Form and sign in both places. This will provide a confirmation to Auburn University that all is correct. Return to the Payroll and Employee Benefits office in the enclosed CAMPUS MAIL envelope before 4:45 PM on April 30th.
Can I change my beneficiary elections in the future? If so, how?
You can change your beneficiary elections at any time by requesting the forms from the Payroll & Employee Benefits office. The phone number is 334-844-4183.
When does Dependent Life insurance end?
Dependent Life insurance ends:
- For your spouse: Coverage ends when your employment with the University ends or when you transfer out of a covered class. It also ends upon divorce.
- For your child(ren): Coverage ends when your employment with the University ends, when you transfer out of a covered class, or when your unmarried child attains age 19 or age 25 if a full time student who wholly depends on you for their support and maintenance. Please consult your Prudential Group Life Booklet for more details.
Please note: it is your responsibility to notify the Auburn University Payroll & Employee Benefits Office when coverage ends for your dependents. This is necessary so that your premiums can be reduced.
What happens in the event of a Family Status Change (i.e. Marriage, Divorce, Child)?
It is important that you notify the Payroll & Employee Benefits Office of any changes to your Family status in order to assess what alternatives you may have for your and your Dependent's insurance coverage. You have 30 days from the date of the qualified change in family status to make changes without having to provide medical evidence.
Do I have to be actively at work for additional coverage to take effect?
Yes. You must be actively at work for your additional coverage to take effect.
Are there any "exclusions" for the Life Insurance coverage?
There are no exclusions for the Life Insurance coverage.
Are there any "exclusions" for the Personal Accidental Death & Dismemberment Insurance?
Yes. A loss is not covered if it results from suicide or attempted suicide; intentionally self-inflicted injuries or an attempt at the same; sickness; medical or surgical treatment of sickness; certain bacterial or viral infections (unless the infection was the result of an accidental injury or bacterial infection which results from the accidental ingestion of contaminated substances); act of war; certain full-time military duty; commission of, or attempt to commit a felony; legal intoxication or drug use; certain hazardous sports; certain travel or flight if you are (a) riding as a passenger in any aircraft not intended or licensed for the transportation of passengers; (b) performing as a pilot or crew member. Please refer to the plan Certificate included in your packet of materials for more detail.
Are my life benefits ever reduced due to age provided I am actively employed?
No. Your benefits are never reduced provided you are actively employed on a full-time basis.
When is my Group Life Enrollment Form due?
Your enrollment form is due in the Payroll & Employee Benefits office no later than April 30th by 4:45 PM (CDT).
I work off campus. How do I get my Group Life Enrollment form to the AU Payroll & Employee Benefits Office?
If you work off campus, mail (via US Mail) your Enrollment form to the Payroll & Employee Benefits Office in the envelope provided. The mailing address is: Auburn University, Payroll & Employee Benefits, 212 Ingram Hall, Auburn, AL 36849. Your form must be postmarked by April 30, 2008.
If you are an AUM employee, you may turn your form in at the AUM Office of Human Resources. That office is located at 705 Library Tower. It must be turned in by 4:45 PM (CDT) on April 30th.
We will NOT ACCEPT faxes or e-mailed enrollment forms. Due to the nature of the information, we must have original signatures.
What forms do I need to complete to get the travel assistance benefit?
You do not need to complete any special forms to obtain Travel Assistance. Your enrollment in the Personal Accident Insurance (PAI) program automatically makes you eligible for the Travel Assistance benefit.
For more information about the Travel Assistance benefit please go to
www.auburn.edu/payroll/travel-assist.html.
Does the Travel Assistance benefit increase if I buy additional PAI Coverage?
No.
Can I keep my spouse life coverage on my ex-spouse?
No.
Can I list, as beneficiaries, my "children"?
You can list "children" as beneficiaries under your policy. However, it is recommended that the children be named since the term "children" may be all encompassing and could provide difficulties in the timely payment of benefits for your beneficiaries in the event of divorce, re-marriage, etc.
If I submit my enrollment form prior to May 1 and I have made changes to my beneficiary designation, when will those changes take effect?
Your new beneficiary designation will become effective when you sign and date the form. It must be submitted to the Auburn University Payroll & Employee Benefits Office as soon as possible.
My spouse and I are both Auburn University Employees.
a) Can we cover each other under the Spouse Life and Spouse PAI Coverage?
No.
b) Can we both cover our children under the Child(ren) Life and Child(ren) PAI Coverage?
No. Only one employee can purchase Child(ren) Life Coverage.
I have several questions about my life insurance. Is there someone I can speak to about this?
Yes. Contact Guy Cloutier, CLU at the Johnson Sterling office (800) 451-6861. His e-mail address is gcloutier@johnsonsterling.com.
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