Program Overview
	Medical/Prescription Drugs
	Dental
	Vision Care
	State Group Life Insurance
	Life and AD&D Insurance
	Long-Term Disability Insurance
	Flexible Spending Plan
	Employee Assistance Program
	Behavioral Health / Emotional Wellbeing
	Disability Insurance
	Administrative Information
	What Happens When...?

The School District's Life and AD&D Insurance Plan

EFFECTIVE JULY 1, 2017 Prudential will be our new Basic Life & AD&D Plan Administrator

The Life and Accidental Death and Dismemberment (AD&D) Insurance Plan provides valuable benefits for you and your family if you become seriously injured or die while you are insured.

One and one-half times basic annual earnings, to a maximum of $400,000.

Contribution Requirements
Benefits funded by school district stipend. In the event the premium due for this coverage exceeds the stipend, you may be responsible to contribute the difference.

Benefit Reductions Due to Age

Age	Reduces to
70	65% of pre-age 70 amount
75	40% of pre-age 70 amount
80+	25% of pre-age 70 amount

Exclusions/Limitations
Coverage may be continued under the Military Services Leave provision of the Policy for twelve weeks if you go on active duty in the military. However, you will not be covered for a loss that is caused by or arises from such military service, including but not limited to war or act of war (whether declared or undeclared).

For a comprehensive list of exclusions and limitations, please refer to the Certificate of Insurance, which you can find on your school district's website. The Certificate also provides all requirements necessary to receive a benefit.

Provisions Include

Living Benefit Rider	Yes
Conversion	Yes
Portability	Yes
Waiver of Premium	Yes
Critical Illness Benefit	Yes
FMLA	Yes
Bereavement Counseling	Yes

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