Basic Life and AD&D Buy-Up
Symetra Life Insurance Company
Symetra basic group life buy up and AD&D insurance for Class 2 JPS Health Network team members, providing an opportunity to purchase an additional 1x earnings up to $1,000,000. Benefit reductions beginning at age 70, and included AD&D riders.
Life and AD&D Benefit Schedule
| Benefit | Details |
|---|---|
| Team Member Life Benefit | |
| Amount | 1.00 x Earnings; Rounded to the next higher $1,000 |
| Minimum Amount | $10,000 |
| Maximum Amount | $1,000,000 |
| Guaranteed Issue | $1,000,000 |
| Team Member AD&D Benefit | |
| Amount | 1.00 x Earnings; Rounded to the next higher $1,000 |
| Minimum Amount | $10,000 |
| Maximum Amount | $1,000,000 |
| Benefit Reduction — Team Member | |
| Original Benefit Amount Reduced By | 45% at age 70; 65% at age 75; 75% at age 80 |
Additional Benefits
| Benefit | Details |
|---|---|
| Additional Benefits | |
|
Accelerated Death Benefit Refer to team member certificate for additional information |
If a team member has been diagnosed as terminally ill, Symetra Life Insurance Company may pay a portion of the death benefit in advance to the team member. |
|
Conversion Refer to team member certificate for additional information |
A conversion benefit is available that allows you to convert your group coverage to an individual policy if certain conditions apply. |
|
Waiver of Premium Refer to team member certificate for additional information |
With proof of disability, Symetra Life Insurance Company will waive Life Insurance premiums for the team member who becomes disabled. Certain restrictions apply. |
|
AD&D Riders Refer to team member certificate for additional information |
Includes Seat Belt, Airbag, Repatriation, Child Education, Day Care and Spouse Education benefits. |
- ✓Beneficiary Companion: Support services for beneficiaries who have experienced a loss.
- ✓Travel Assist: Travel assistance services for team members and eligible dependents traveling more than 100 miles from home.
- ✓Identity Theft Protection: Help is just a phone call away wherever team members travel, including lost wallet protection, translation service and emergency cash.
Evidence of Insurability (EOI) is the process of providing health information to qualify for certain types of insurance
coverage. If you elect Buy-Up Group Life and AD&D or Supplemental Life and AD&D coverage above the
guaranteed issue limit or after the guaranteed issue period, you will be required to submit a health questionnaire. Your questionnaire will be reviewed by the carrier, and you will be notified of their decision directly.
2027: Evidence of Insurability is waived for all team members electing Basic Group Life Buy-Up during the 2027 open enrollment with an effective date of 1/1/2027.
2028: Evidence of Insurability will be required if you waived coverage during your initial new hire eligibility period and wish to elect coverage during subsequent open enrollment periods.
This summary provides only a brief description of the Life Insurance coverage insured by Symetra Life Insurance Company under the LGC-13000 8/06 series Group Life Insurance policy. For a complete description, including all definitions, exclusions, limitations, and reductions in coverage, as well as information on termination of benefits, please contact your benefit administrator or refer to the Group Insurance Certificate you will receive when you become insured. Coverage will be offered under Group Policy number 01-020008-00. All benefits are subject to the terms and conditions of the Group Policy. If there is a difference between the information in this summary and the information contained in the Group Insurance Certificate, the terms of the Group Insurance Certificate will prevail. The terms of coverage may change over time; always refer to your current Group Insurance Certificate for information regarding your insurance benefits.
Symetra
1-877-377-6773
symetra.com