Life and AD&D Insurance

Plan Highlights Group Basic Life and Accidental Death & Dismemberment

Eligibility
Benefit eligible employees of Red Clay School District

Red Clay School District Basic Life and AD&D
One and one half times annual salary, rounded to the next higher $500. Minimum benefit is $5,000 and maximum benefit is $250,000.

Provisions Include:

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

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

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 this website. The Certificate also provides all requirements necessary to receive a benefit.

This Plan Highlights is a brief description of the important features of the RSL insurance plan. It is not a Certificate of Insurance or evidence of coverage. Insurance is provided by Reliance Standard Life Insurance Company under group policy form LRS- 6422, et al.