团体定期人寿保险

Human Resources

Beneficiary
转换
覆盖范围
Extension of Coverage
Increase/Decrease in Coverage
Lay Off
休假
Premiums
减少任命
Term Employees
绝症
Termination of Coverage
Waiver of Premium

从2004年6月1日起，加拿大蓝色十字人寿保险公司为团体定期人寿保险计划提供了保险。

人寿保险范围在所有人的就业日期生效eligible employees. If you are not actively at work on the effective date, your coverage will commence on the date when you commence active employment.

这里包括与温尼伯大学员工福利有关的一般信息。亚愽国际app下载该信息旨在作为以非技术语言提出的各种收益的主要规定的摘要。提供福利的条款和条件，受适当的团体政策，合同或计划文本以及任何相关的集体协议的约束，在任何争议中，法律文件将优先于此处提供的信息。

Beneficiary

You may appoint one or more beneficiaries or your Estate. Multiple beneficiaries share equally, unless you indicate otherwise. If you wish to change your beneficiary designation please contact:

Pay & Benefits atPayroll, 204.258.3805, 204.786.9205 or 204.789.1489

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转换

If your coverage terminates on or prior to your正常退休金开始日期due to termination of employment, retirement or because you cease to be eligible for coverage, you may convert your group coverage to an individual policy without medical evidence of good health, subject to coverage limits and restrictions. The amount of coverage cannot exceed the lesser of the amount of your group life insurance coverage in place on the date of termination or $200,000.

Written application for conversion, along with the required premiums, must be submitted to the insurer within 31 days of termination of the group coverage.

转换时可用的个人计划是：

a）一年定期保单，可以在（b）或（c）中所述的人寿保险政策之前在其到期日之前交换。

b）不可转化的定期保险单，可为65岁或

c) A term to age 100 policy that provides lifetime coverage with no non-forfeiture options.

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覆盖范围

你是自动覆盖基本生活Insurance benefit equal to your annual regular salary (excluding stipends and overtime). You may elect Optional coverage equal to one or two times annual salary (excluding stipends and overtime). The overall maximum amount of Life Insurance (Basic & Optional) that you may carry is three times annual salary or $500,000, whichever is less.

覆盖范围reduces by 50% for any employee who attains his/her正常退休金开始日期（NPCD）在2009年1月1日或之后，并继续积极就业。超过其NPCD的任何员工的承保范围最大为250,000美元。

如果还没有倍数，则所有保险量都将舍入至下一个较高的$ 1,000的较高倍数。

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Extension of Coverage

If you should die within 31 days following termination of employment, the Life Insurance benefit will be paid to your beneficiary. If you have applied for conversion, any individual policy issued under the conversion must be surrendered before payment under the group policy is made.

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Increase/Decrease in Coverage

If your Life Insurance coverage is not already at the maximum level of three times your annual salary (maximum $500,000) you may increase your coverage within 30 days of the addition of a spouse or a dependent child, with no evidence of insurability being required. Increase in coverage at any other time requires medical evidence of good health.

任何获得他/她的员工的承保范围正常退休金开始日期on or after January 1, 2009 and who continues in active employment, reduces by 50% and is subject to a maximum of $250,000.

If you wish to decrease your Life Insurance coverage, please submit a written request, indicating the applicable coverage decrease and the effective date of the decrease, to Human Resources.

除非您积极工作，否则不会改变覆盖范围。

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Lay Off

If you cease to be actively at work due tosessionallay-off, you must continue your Life Insurance coverage by prepayment of the required premiums.

If you cease to be actively at work due topermanentlay-off, you may continue your Life Insurance coverage by prepayment of the required premiums for a maximum period of one year.

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休假

Without Pay- If you are on an unpaid leave, you have the option of maintaining your Life Insurance coverage for a maximum period of one year by prepaying the required premiums (Basic & Optional).

付费- If you are on a paid leave (at full or reduced salary) your Life Insurance coverage will remain in force at the pre-leave level for a maximum period of one year and your premium deductions for Optional coverage, if any, will continue as normal.

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Premiums

The rate for Group Term Life insurance is deducted on a semi-monthly basis. The University pays the cost of your Basic coverage. You pay the cost of Optional coverage, if any.

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减少任命

如果您被批准减少任命, your Life Insurance coverage will be based on the pre-reduced level of your regular earnings.

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Term Employees

如果您是任期雇员，则仅在任命期间有效。

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绝症

如果您患有预计在要求后12个月内导致死亡的情况，则可以提供特殊的预付款。付款必须以书面形式要求，将是您$ 50,000或50％的人寿保险保险范围的款项。

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Termination of Coverage

自2009年1月1日起，生命保险计划下的年龄限制从65岁延长到70岁。覆盖范围的扩展适用于任何达到其/她的员工正常退休金开始日期（NPCD）在2009年1月1日或之后。覆盖范围在NPCD的覆盖范围下减少了50％，覆盖范围最高限制为250,000美元。

人寿保险覆盖范围将在以下日期最早终止：

Upon termination of employment or retirement;
日期保费停止；
During a strike or lock-out (unless special provisions have been made);
正常退休金开始日期- this applies to employees who attained their NPCD prior to January 1, 2009;
First of the month following attainment of age 70 for employees who attain their NPCD on or after January 1, 2009.

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