Additional Term Life
The OPEH&W Health Plan’s Plan Year runs from July 1, 2019 through June 30, 2020.
Rates and Coverage details are per plan year unless stated otherwise and are valid July 1, 2019 through June 30, 2020.
Rates shown are for Active Employees.

On this Page
Resources
Coverage Details
Monthly Age Band Rates
Employee Coverage
Optional AD&D Coverage
Spouse Coverage
Dependent Coverage
Underwriting
Video


Resources
Coverage Highlight Download
Worksheet Download
Use to help calculate how much Additional Life Coverage might cost
Application Form Download
Use when applying for coverage volumes above guaranteed amounts
Video Watch
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Coverage Details
Vendor     The Standard
Website     www.standard.com
Member Support     800.628.8600
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Monthly Age Band Rates
During initial enrollment or special qualifying events, use the Employee or Spouse’s attained age. During later enrollment opportunities, use the Employee or Spouse’s age as of the next July 1st. Age Band Rates are re-calculated annually for the start of each new plan year on July 1st.
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First $20,000 of Death Benefit Coverage
  18-34 35-39 40-44 45-49 50-54 55-59 60-64 65-69 70-74 75+
With AD&D Coverage 2.00 2.60 3.40 5.20 8.40 13.40 15.40 24.80 41.60 64.20
Without AD&D Coverage 1.40 2.00 2.80 4.60 7.80 12.80 14.80 24.00 41.00 63.60

Each additional $5,000 of Death Benefit Coverage
  18-34 35-39 40-44 45-49 50-54 55-59 60-64 65-69 70-74 75+
With AD&D Coverage 0.50 0.65 0.85 1.30 2.10 3.35 3.85 6.20 10.40 16.05
Without AD&D Coverage 0.35 0.50 0.70 1.15 1.95 3.20 3.70 6.05 10.25 15.90

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Employee Coverage
Minimum     $20,000 Increasing in $5,000 Increments using the Monthly Age Band Rates shown above
Maximum     5x Gross Annual Pay up to $500,000 (Excluding Group Life Coverage)
How it Works     During first enrollment opportunity, up to the first $150,000 is unconditional and guaranteed issue, while any amount over $150,000 is conditional on underwriting approval. Enrollment or increases occurring during later opportunities are conditional on underwriting approval.
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Accidental Death & Dismemberment (AD&D) Coverage
Cost     $0.15 per $5,000 Regardless of Employee’s Age
How it Works     Doubles the Death Benefit if an Employee is killed in an accident while at work, home, travel or play. It also covers an Employee if they suffer injury in an accident, such as loss of a limb, loss of the use of a limb and loss of sight or hearing. It is only applicable to Employees.
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Spouse Coverage
Minimum     $20,000 Increasing in $5,000 Increments using the Monthly Age Band Rates shown above
Maximum     50% of Employee Death Benefit
How it Works     Spouse enrollment is only possible if the Employee is also covered with at least $40,000. During first enrollment opportunity, up to $50,000 is unconditional and guaranteed issue, while any amount over $50,000 is conditional on underwriting approval. Enrollment or increases occurring during later opportunities are conditional on underwriting approval.
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Dependent Coverage
Cost     $10,000 Death Benefit at $2 per Month
$20,000 Death Benefit at $4 per Month
How it Works     Dependent coverage requires Employee is also covered. One premium covers all Dependents. During first enrollment opportunity coverage is unconditional and guaranteed issue. Enrollments or increases occurring during later opportunities are conditional on underwriting approval.
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Underwriting
Scenario 1
When     During a new employer group's initial enrollment.
Other Requirements     For an Employee with coverage amounts in-force on the last day of coverage with the employer group's prior carrier.
Coverage Available     Yes, any amount.
Can Applications Be Made     Only during the employer group's initial enrollment onto the Health Plan for coverage starting in the employer group's first month of participation in the Health Plan.
Result     Guaranteed Acceptance
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Scenario 2
When     During a new employer group's initial enrollment.
Other Requirements     None
Coverage Available     For new applications of amounts up to $150,000 (or up to $50,000 for a Spouse), as long as the amount applied for is not more than 5x the Employee's gross annual pay or $500,000 (whichever is less).
Can Applications Be Made     Only during the employer group's initial enrollment onto the Health Plan for coverage starting in the employer group's first month of participation in the Health Plan.
Result     Guaranteed Acceptance
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Scenario 3
When     During a new employer group's initial enrollment.
Other Requirements     None
Coverage Available     For new applications of amounts in exceess of coverage amounts in-force on the last day of coverage with the employer group's prior carrier, up to $150,000 (or up to $50,000 for a Spouse), as long as the amount applied for is not more than 5x the Employee's gross annual pay or $500,000 (whichever is less).
Can Applications Be Made     Only during the employer group's initial enrollment onto the Health Plan for coverage starting in the employer group's first month of participation in the Health Plan.
Result     Guaranteed Acceptance
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Scenario 4
When     During a new employer group's initial enrollment.
Other Requirements     Download & Complete the Application Form
Coverage Available     For new applications of amounts exceeding $150,000 (or $50,000 for a Spouse), while the amounts up to $150,000 (or $50,000 for a Spouse) are Guaranteed Acceptance regardless of the outcome of underwriting.
Can Applications Be Made     Only during the employer group's initial enrollment onto the Health Plan for coverage starting in the employer group's first month of participation in the Health Plan.
Result     Underwriting Required
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Scenario 5
When     Employees of an existing employer group with no coverage and this is the first opportunity to apply.
Other Requirements     None
Coverage Available     An application for amounts up to $150,000 (or up to $50,000 for a Spouse), as long as the amount applied for is not more than 5x the Employee's gross annual pay or $500,000 (whichever is less).
Can Applications Be Made     During the Health Plan's Annual Renewal Period or at the time the employer group first makes it available.
Result     Guaranteed Acceptance
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Scenario 6
When     Employees of an existing employer group with no coverage and this is the first opportunity to apply.
Other Requirements     Download & Complete the Application Form
Coverage Available     Any application for amounts exceeding $150,000 (or $50,000 for a Spouse), while the amounts up to $150,000 (or $50,000 for a Spouse) are Guaranteed Acceptance regardless of the outcome of underwriting.
Can Applications Be Made     During the Health Plan's Annual Renewal Period or at the time the employer group first makes it available.
Result     Underwriting Required
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Scenario 7
When     Employees of an existing employer group with no coverage and this is not the first opportunity to apply.
Other Requirements     Download & Complete the Application Form
Coverage Available     An Application for any coverage amount whether for Employee, Spouse or Dependents is required.
Can Applications Be Made     Only during the Health Plan's Annual Renewal Period.
Result     Underwriting Required
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Scenario 8
When     Employees of an existing employer group with coverage and increasing it.
Other Requirements     Download & Complete the Application Form
Coverage Available     For applications of any increase in Employee coverage.
Can Applications Be Made     Only during the Health Plan's Annual Renewal Period.
Result     Underwriting Required
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Scenario 9
When     Employees of an existing employer group with coverage and increasing it.
Other Requirements     Download & Complete the Application Form
Coverage Available     For new Spouse coverage.
Can Applications Be Made     Only during the Health Plan's Annual Renewal Period.
Result     Underwriting Required
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Scenario 10
When     Employees of an existing employer group with coverage and increasing it.
Other Requirements     Download & Complete the Application Form
Coverage Available     For any increase in Spouse coverage.
Can Applications Be Made     Only during the Health Plan's Annual Renewal Period.
Result     Underwriting Required
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Scenario 11
When     Employees of an existing employer group with coverage and increasing it.
Other Requirements     Download & Complete the Application Form
Coverage Available     For new Dependent coverage.
Can Applications Be Made     Only during the Health Plan's Annual Renewal Period.
Result     Underwriting Required
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Scenario 12
When     Employees of an existing employer group with coverage and increasing it.
Other Requirements     Download & Complete the Application Form
Coverage Available     An increase in Dependent coverage.
Can Applications Be Made     Only during the Health Plan's Annual Renewal Period.
Result     Underwriting Required
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Video
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Having trouble viewing in-page videos, then use the following direct YouTube link
Additional Life Benefits http://youtu.be/mHImrEo8YAc
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