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Life and AD&D Insurance

WAIVER OF PREMIUM IN EVENT OF TOTAL DISABILITY

We will extend the Amount of Insurance during a period of Total Disability for one (1) year if:
  1. the Insured becomes totally disabled prior to age 60;
  2. the Total Disability begins while he/she is insured;
  3. the Total Disability begins while this Policy is in force;
  4. the Total Disability lasts for at least 6 months;
  5. the premium continues to be paid; and
  6. we receive proof of Total Disability within one (1) year from the date it began.

After proof of Total Disability is approved by us, neither you or the Insured is required to pay premiums. Also, any premiums paid from the start of the Total Disability will be returned.

We will ask the Insured to submit annual proof of continued Total Disability. The Amount of Insurance may then be extended for additional one (1) year periods. The Insured may be required to be examined by a Physician approved by us as part of the proof. We will not require the Insured to be examined more than once a year after the insurance has been extended two (2) full years.

The Amount of Insurance extended will be limited to the amount of basic group life coverage on the life of the Insured that was in force at the time that Total Disability began excluding any additional benefits. This amount will not increase. This amount will reduce or cease at any time it would reduce or cease if the Insured had not been totally disabled. If the Insured dies, we will be liable under this extension only if written proof of death is received by us.

The Amount of Insurance extended for an Insured will cease on the earliest of:

  1. the date he/she no longer meets the definition of Total Disability; or
  2. the date he/she refuses to be examined; or
  3. the date he/she fails to furnish the required proof of Total Disability; or
  4. the date he/she becomes age 70; or
  5. the date he/she retires.
The Insured may use the conversion privilege when this extension ceases. Please refer to the Conversion Privilege section for rules. An Insured is not entitled to conversion if he/she returns to work and is again eligible for the insurance under this Policy. If the Insured uses the conversion privilege, benefits will not be payable under the Waiver of Premium in Event of Total Disability provision unless the converted policy is surrendered to us.

If the Insured qualifies for benefits in accordance with the Waiver of Premium in Event of Total Disability provision because he/she has been diagnosed by a Physician as totally disabled due to the following Condition(s) or Procedure(s), as later defined;
  1. Life Threatening Cancer; or
  2. Heart Attack (Myocardial Infarction); or
  3. Kidney (Renal) Failure; or
  4. Receipt of Major Organ Transplant; or
  5. Stroke,
we will pay to the Insured an additional, one time, lump sum benefit in an amount equal to 10% of the death benefit under the basic life portion of this Policy up to a maximum of $100,000.

This lump sum benefit applies only to the first Condition or Procedure to occur among those hereinafter defined which qualifies the Insured for waiver of premium benefits. No further lump sum benefits will be payable under this provision during the same or any subsequent periods of Total Disability, or as a result of the occurrence of any other Condition or Procedure.


   
Life and AD&D Insurance
Life Insurance Benefits
AD&D Benefits
Beneficiaries/Payment of Benefits
If You Become Disabled
If You Leave the School District
   
Related Forms
Certificate of Insurance
Insurance Beneficiary Designation
   
Disclaimer: New Castle County Vocational Technical Benefits Online provides only an overview of your benefits from New Castle County Vocational Technical School District and The State of Delaware. New Castle County Vocational Technical School District and The State of Delaware reserve the right to amend or to terminate any benefit plan at any time, with or without notice. Review more important legal information about your benefits plans.

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