with Accidental Death and Dismemberment Coverage

Eligibility Requirements

To enroll, you must be an active full-time or part-time federal employee. Coverage may be carried into retirement, provided you are enrolled in the Plan for at least one year prior to retirement.

Benefits offered by the Plan:

Term Life Insurance: This plan provides a lump-sum benefit that gives your family financial peace of mind should they lose you to an illness or accidental injury.

Accidental Death and Dismemberment (AD&D): This feature provides benefits in the event you are killed or lose your hands, feet, or eyesight as the result of a covered Accidental injury. This benefit applies whether the Accident occurs on or off the job. And the AD&D amount is paid in addition to the Group Term Life benefit.

If Killed in the Line of Duty: Your AD&D benefit increases by 50%. (explain)

Accelerated Death Benefit: If you have a Terminal Medical Condition (explain), the Accelerated Death Benefit can make a difficult time a little easier for your family. The Plan can make available up to 75% of the Group Term Life insurance amount, up to a maximum of $250,000.

How benefits and rates are determined

Your benefit amount and rate are determined by your job grade when you enroll in the plan. Evidence of insurability is required. When you are promoted to a higher job grade, you can increase your benefit amount. Plus, if you apply for an increase within 12 months of being promoted, and your benefit amount is at your maximum benefit amount allowed in your previous job grade, evidence of insurability is not required. View rate table.

Your Gateway to Additional Coverage

If you are enrolled in the Group Term Life Insurance Plan, you may also enroll your spouse and dependent children in the Dependent Group Term Life Insurance. You can further protect the financial future of your family by enrolling yourself and your spouse for additional coverage in the Supplemental Group Term Life Insurance.

Your coverage can continue when you retire

There are eight plan options from which to choose, depending on your age and the amount of Group Term Life Insurance you had prior to retirement. You may at any time select a lower plan option if your needs change. Your coverage automatically reduces at different age brackets. View rate table.

Beyond Age 70: The Group Term Life Insurance plan coverage ends at age 70. If you wish to continue coverage, SAMBA has made arrangements for you to purchase up to $10,000 of insurance coverage under another policy.

Limitations and Exclusions (explain)