Survivor Benefits

It’s hard to think about, but it’s important to have a plan in place to provide for your family if something were to happen to you. Survivor benefits provide financial protection for your loved ones in the event of an unexpected event.

Coverages

Features	Basic Employee Life	Basic Employee AD&D	OPTIONAL EMPLOYEE LIFE	OPTIONAL SPOUSE LIFE	OPTIONAL CHILD LIFE	OPTIONAL EMPLOYEE AD&D
Carrier	Prudential	Prudential	Prudential	Prudential	Prudential	Prudential
Paid By	Willow Bridge	Willow Bridge	Employee	Employee	Employee	Employee
Benefit Amount	Each benefit is two times your base annual earnings, rounded to the next $1,000	Each benefit is two times your base annual earnings, rounded to the next $1,000	Increments of $10,000	$5,000 increments, up to a maximum of 50% of the employee’s approved amount	$10,000 per child (age two weeks to age 25, if unmarried)	Employee: Increments of $10,000; Employee & Family: Increments of $10,000
Maximum Benefit	$150,000	$150,000	Not to exceed the lesser of four times your base annual earnings or $1,000,000	The lesser of $250,000 or 50% of employee’s approved amount	$10,000	Not to exceed the lesser of four times your base annual earnings or $1,000,000
Evidence Of Insurability Threshold	No	No	Guarantee Issue Amount: The lesser of four times your base annual earnings or $500,000 New Hire: Any amount applied for over the guarantee issue amount will require EOI Current Employee: Any additional amount over the Guarantee Issue Amount will require EOI	Current Employee: any additional amount applied for will require EOI. Newly eligible spouse is required to complete EOI when electing an amount over $25,000 (under age 70)	N/A	EOI is not required for AD&D benefits
Age Reduction Schedule	Note: Benefits subject to age reduction schedule	Note: Benefits subject to age reduction schedule	Note: Benefits subject to age reduction schedule	Note: Benefits subject to age reduction schedule	Note: Benefits subject to age reduction schedule	Note: Benefits subject to age reduction schedule
Notes	If you die, lose a limb, or suffer paralysis in an accident	If you die, lose a limb, or suffer paralysis in an accident	If you die while covered under the Plan; Benefit is in addition to the Basic Life benefit	If your dependent dies while covered under the Plan	If your dependent dies while covered under the Plan	If you die, lose a limb, or suffer paralysis in an accident

FeaturesCarrier

Basic Employee Life: Prudential
Basic Employee AD&D: Prudential
OPTIONAL EMPLOYEE LIFE: Prudential
OPTIONAL SPOUSE LIFE: Prudential
OPTIONAL CHILD LIFE: Prudential
OPTIONAL EMPLOYEE AD&D: Prudential

FeaturesPaid By

Basic Employee Life: Willow Bridge
Basic Employee AD&D: Willow Bridge
OPTIONAL EMPLOYEE LIFE: Employee
OPTIONAL SPOUSE LIFE: Employee
OPTIONAL CHILD LIFE: Employee
OPTIONAL EMPLOYEE AD&D: Employee

FeaturesBenefit Amount

Basic Employee Life: Each benefit is two times your base annual earnings, rounded to the next $1,000
Basic Employee AD&D: Each benefit is two times your base annual earnings, rounded to the next $1,000
OPTIONAL EMPLOYEE LIFE: Increments of $10,000
OPTIONAL SPOUSE LIFE: $5,000 increments, up to a maximum of 50% of the employee’s approved amount
OPTIONAL CHILD LIFE: $10,000 per child (age two weeks to age 25, if unmarried)
OPTIONAL EMPLOYEE AD&D: Employee: Increments of $10,000; Employee & Family: Increments of $10,000

FeaturesMaximum Benefit

Basic Employee Life: $150,000
Basic Employee AD&D: $150,000
OPTIONAL EMPLOYEE LIFE: Not to exceed the lesser of four times your base annual earnings or $1,000,000
OPTIONAL SPOUSE LIFE: The lesser of $250,000 or 50% of employee’s approved amount
OPTIONAL CHILD LIFE: $10,000
OPTIONAL EMPLOYEE AD&D: Not to exceed the lesser of four times your base annual earnings or $1,000,000

FeaturesEvidence Of Insurability Threshold

Basic Employee Life: No
Basic Employee AD&D: No
OPTIONAL EMPLOYEE LIFE: Guarantee Issue Amount: The lesser of four times your base annual earnings or $500,000 New Hire: Any amount applied for over the guarantee issue amount will require EOI Current Employee: Any additional amount over the Guarantee Issue Amount will require EOI
OPTIONAL SPOUSE LIFE: Current Employee: any additional amount applied for will require EOI. Newly eligible spouse is required to complete EOI when electing an amount over $25,000 (under age 70)
OPTIONAL CHILD LIFE: N/A
OPTIONAL EMPLOYEE AD&D: EOI is not required for AD&D benefits

FeaturesAge Reduction Schedule

Basic Employee Life: Note: Benefits subject to age reduction schedule
Basic Employee AD&D: Note: Benefits subject to age reduction schedule
OPTIONAL EMPLOYEE LIFE: Note: Benefits subject to age reduction schedule
OPTIONAL SPOUSE LIFE: Note: Benefits subject to age reduction schedule
OPTIONAL CHILD LIFE: Note: Benefits subject to age reduction schedule
OPTIONAL EMPLOYEE AD&D: Note: Benefits subject to age reduction schedule

FeaturesNotes

Basic Employee Life: If you die, lose a limb, or suffer paralysis in an accident
Basic Employee AD&D: If you die, lose a limb, or suffer paralysis in an accident
OPTIONAL EMPLOYEE LIFE: If you die while covered under the Plan; Benefit is in addition to the Basic Life benefit
OPTIONAL SPOUSE LIFE: If your dependent dies while covered under the Plan
OPTIONAL CHILD LIFE: If your dependent dies while covered under the Plan
OPTIONAL EMPLOYEE AD&D: If you die, lose a limb, or suffer paralysis in an accident

OPTIONAL EMPLOYEE AND SPOUSE LIFE INSURANCE

Tier	SEMI-MONTHLY	BI-WEEKLY	WEEKLY
<25	$0.029	$0.026	$0.013
25-39	$0.034	$0.031	$0.016
30-34	$0.046	$0.042	$0.021
35-39	$0.051	$0.047	$0.024
40-44	$0.059	$0.054	$0.027
45-49	$0.085	$0.078	$0.039
50-54	$0.138	$0.127	$0.064
55-59	$0.250	$0.231	$0.115
60-64	$0.374	$0.345	$0.173
65-69	$0.720	$0.664	$0.332
70+	$1.167	$1.077	$0.539

Tier<25

SEMI-MONTHLY: $0.029
BI-WEEKLY: $0.026
WEEKLY: $0.013

Tier25-39

SEMI-MONTHLY: $0.034
BI-WEEKLY: $0.031
WEEKLY: $0.016

Tier30-34

SEMI-MONTHLY: $0.046
BI-WEEKLY: $0.042
WEEKLY: $0.021

Tier35-39

SEMI-MONTHLY: $0.051
BI-WEEKLY: $0.047
WEEKLY: $0.024

Tier40-44

SEMI-MONTHLY: $0.059
BI-WEEKLY: $0.054
WEEKLY: $0.027

Tier45-49

SEMI-MONTHLY: $0.085
BI-WEEKLY: $0.078
WEEKLY: $0.039

Tier50-54

SEMI-MONTHLY: $0.138
BI-WEEKLY: $0.127
WEEKLY: $0.064

Tier55-59

SEMI-MONTHLY: $0.250
BI-WEEKLY: $0.231
WEEKLY: $0.115

Tier60-64

SEMI-MONTHLY: $0.374
BI-WEEKLY: $0.345
WEEKLY: $0.173

Tier65-69

SEMI-MONTHLY: $0.720
BI-WEEKLY: $0.664
WEEKLY: $0.332

Tier70+

SEMI-MONTHLY: $1.167
BI-WEEKLY: $1.077
WEEKLY: $0.539

Note: Spouse rates are based on employee age.

OPTIONAL CHILD LIFE INSURANCE

Tier	PREMIUM RATES/$1,000
Semi-monthly	$0.050
Bi-weekly	$0.046
Weekly	$0.023

TierSemi-monthly

PREMIUM RATES/$1,000: $0.050

TierBi-weekly

PREMIUM RATES/$1,000: $0.046

TierWeekly

PREMIUM RATES/$1,000: $0.023

*You pay one rate regardless of the number of children

OPTIONAL AD&D INSURANCE

Tier	EMPLOYEE ONLY	EMPLOYEE AND SPOUSE	EMPLOYEE AND CHILDREN	EMPLOYEE, SPOUSE, AND CHILDREN
Percent of Benefit Paid	100%	100% Employee 60% Spouse	100% Employee 20% for Each Child	100% Employee 50% Spouse 15% for Each Child
Semi-monthly	$0.0105	$0.0135	$0.0135	$0.0135
Bi-weekly	$0.0097	$0.0125	$0.0125	$0.0125
Weekly	$0.0048	$0.0062	$0.0062	$0.0062

TierPercent of Benefit Paid

EMPLOYEE ONLY: 100%
EMPLOYEE AND SPOUSE: 100% Employee 60% Spouse
EMPLOYEE AND CHILDREN: 100% Employee 20% for Each Child
EMPLOYEE, SPOUSE, AND CHILDREN: 100% Employee 50% Spouse 15% for Each Child

TierSemi-monthly

EMPLOYEE ONLY: $0.0105
EMPLOYEE AND SPOUSE: $0.0135
EMPLOYEE AND CHILDREN: $0.0135
EMPLOYEE, SPOUSE, AND CHILDREN: $0.0135

TierBi-weekly

EMPLOYEE ONLY: $0.0097
EMPLOYEE AND SPOUSE: $0.0125
EMPLOYEE AND CHILDREN: $0.0125
EMPLOYEE, SPOUSE, AND CHILDREN: $0.0125

TierWeekly

EMPLOYEE ONLY: $0.0048
EMPLOYEE AND SPOUSE: $0.0062
EMPLOYEE AND CHILDREN: $0.0062
EMPLOYEE, SPOUSE, AND CHILDREN: $0.0062