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Supplemental Term Life Insurance
Coverage begins based on how you enrolled in the Plan:
  • If you complete the enrollment process within 31 days of becoming eligible for insurance, coverage begins as follows:
    • If you are not required to give Evidence of Insurability (EOI), your coverage will begin on the date you become eligible if you are actively at work on that date. Payroll deductions will begin as soon as administratively possible.
    • If you are required to give EOI and MetLife approves your EOI, your coverage will begin on the date MetLife states in writing, provided you are actively at work on that date. Payroll deductions begin as soon as administratively possible.
    • If you are not actively at work on your coverage begin date, coverage will begin on the day you resume active work. Payroll deductions begin as soon as administratively possible.
  • If you enroll or make changes during an annual enrollment period, coverage begins as follows:
    • For any amount for which you are not required to give EOI, coverage begins on the first day of the calendar year following the annual enrollment period, if you are actively at work on that date. Payroll deductions occur in first payroll cycle.
    • For any amount for which you are required to give EOI and MetLife approves that amount, coverage begins on the date MetLife states in writing, if you are actively at work on that date.
      • If EOI is approved before the beginning of the year, payroll deductions begin with first pay cycle of the year.
      • If EOI is approved after the first of the year, then payroll deductions begin as soon as administratively possible after approval.
    • If you are not actively at work on the date coverage would begin, coverage will begin on the day you return to active work. Payroll deductions begin as soon as administratively possible.
  • If your coverage changes due to a Qualified Status Change (QSC), coverage will begin as follows:
    • For any amount for which you are not required to give EOI, your coverage will begin on the date of your QSC, if you are actively at work on that date. Payroll deductions begin as soon as administratively possible.
    • For any amount for which you are required to give EOI and MetLife approves, coverage begins on the date MetLife states in writing, if you are actively at work on that date. Payroll deductions begin as soon as administratively possible.
      • If you are not actively at work, then coverage and payroll deductions will begin when you return to work.