Enrollment Rules

Unlike Employee Life Insurance, AD&D Insurance...

• Is not a "core" coverage—you may elect or decline coverage, and

• Does not require evidence of insurability (proof of good health)—you will automatically be approved for any coverage amount you elect.

The AD&D insurance coverage you choose either when you initially enroll as a new hire or during the annual Open Enrollment will remain in effect throughout the Plan Year (January 1 through December 31), unless you have a qualifying "change in status" as defined by the IRS. These include...

• Marriage, divorce, or legal separation

• Birth or legal adoption of a child

• Death of a spouse/domestic partner or child

• A change in your or your spouse's/domestic partner's employment, resulting in a loss of coverage

• A reduction or increase in the hours of employment

If you have a change in status and want to make a change in your benefit plans and/or coverage levels, you must notify your local Human Resources representative and complete the necessary form no later than 31 days after the qualifying event (e.g. marriage, birth, etc.). If you fail to notify Human Resources within 31 days, you will not be able to change your elections until the next Open Enrollment. Any benefits change you make must be directly related to the status change.

You may update your beneficiary designations at any time.