Options for life insurance, accidental death and dismemberment insurance, accident insurance are available for Saint Louis University employees.
为 life insurance and accidental death and dismemberment insurance, you may change beneficiaries at any time by completing a new change beneficiary designation event 在工作日 . You may change your amount of life or accidental death and dismemberment 开放注册期间的保险.
意外保险
Saint Louis University offers accident insurance to its 好处 eligible employees. 提供通过 Voya, the 好处 will help protect you financially by reimbursing you for expenses that 是由于事故引起的吗. This includes, but is not limited to, hospital care, 随访和紧急费用.
New employees wishing to enroll must complete their elections using the "New Hire Menu" found in their Workday inbox within 31 days of their full time date of hire. Otherwise, enrollment during the plan year is permitted during the annual open enrollment 每年11月期间也使用Workday. 员工可以选择或更改福利 within 31 days of a life change such as marriage, dependent birth/adoption or loss of coverage through another source by submitting a 好处s event 在工作日. 只有 during open enrollment and qualifying events can employees make changes to their accident 好处.
员工 who enroll in the accident 好处 are eligible for an additional wellness 好处 upon the completion of health screening tests.
Additional Information about the 意外保险 Plan
提交意外索赔
使用 Voya索赔中心 to file a claim electronically, or paper claims may also be filed using the Accident 雇员索赔表，表格#171874. If needed, Saint Louis University's group number is 68504-6. Paper claims can be sent directly to Voya using the address or fax number 列在表格上. 为 questions, please call Voya at 888-238-4840.
意外 Death and Dismemberment Insurance
意外 death and dismemberment insurance from Cigna(New York Life) provides insurance protection if your death is the result of an accident. 它也提供了好处 the accidental loss of hands, feet, eyesight, speech or hearing. 这个政策不会 pay 好处s for accidents where the covered individual was flying as a member of an aircraft crew or riding in a University owned, leased or operated aircraft. 意外 death and dismemberment plan options include:
- The base plan provides a 好处 in the amount of one times the covered employee's base annual salary up to a maximum of $600,000. 博彩网址大全支付全部费用 基本计划的保费.
- Optional coverage is available in units of $10,000 up to $500,000 on your life, at 你的代价. 成本是$.每选择$10,000，每月021元. 金额超过 $150,000 cannot be more than 10 times your annual salary.
相关的报道
Family accidental death and dismemberment insurance coverage is also available at $.032 per month for each $10,000 selected (including employee coverage). 这个计划 includes coverage for your spouse at 40 percent of your selected 好处 and ten percent 每名合资格儿童. If you have a spouse and no children, the spouse's 好处 is increased to 50 percent or one half of your selected 好处. 如果你有孩子 and no spouse, the 好处 is 15 percent per eligible child.
See the insurance certificates below for more information.
人寿保险
Saint Louis University's life insurance carrier is Cigna(New York Life). 员工 有以下保险选择:
- The base plan provides insurance in the amount of one times the covered employee's base annual or contract salary - up to a maximum of $400,000. 全部保险费 the base plan is paid by Saint Louis University and becomes effective on your date 全职工作.
- Optional coverage allows you to select additional levels of life insurance in equal to one, two, or three times your base annual salary, with a maximum amount of $600,000 in 附加可选保险. The optional insurance will be at your cost. 每月 cost for optional coverage is based upon the participating employee's age according 到下面的时间表.
| 年龄 | 每月费率因子 | 双周费率因子 |
|---|---|---|
| 少于30 | 0.000039 | 0.0000180 |
| 30-34 | 0.000052 | 0.0000240 |
| 35-39 | 0.000059 | 0.0000272 |
| 40-44 | 0.000072 | 0.0000332 |
| 45-49 | 0.000124 | 0.0000572 |
| 50-54 | 0.000221 | 0.0001020 |
| 55-59 | 0.000383 | 0.0001768 |
| 60-64 | 0.000584 | 0.0002695 |
| 65-69 | 0.000974 | 0.0004495 |
| 70-74 | 0.001532 | 0.007071 |
| 75+ | 0.00206 | 0.009508 |
To calculate the premium for an additional one, two or three times your annual salary, multiply your annual salary by the monthly or bi-weekly rate factor that corresponds 到你这个年纪. This amount will equal the premium for each optional one time the annual 工资福利金额.
See the insurance certificates below for more information.
- Basic 人寿保险 Certificate - Active, Non Union
- 基本人寿保险证书-本地1
- 基本人寿保险证书-本地148
- Supplemental 人寿保险 Certificate - Active, Non Union
- Supplemental 人寿保险 Certificate - Local 1
- Supplemental 人寿保险 Certificate - Local 148
转换人寿保险
Your Cigna (New York Life) life insurance may be convertible and or portable. 为 information on converting your Cigna(New York Life) Group Term 人寿保险 policy to an individual policy, please call Cigna(New York Life) at 1-888-842-4462 or visit www.mycigna.com. You will need to provide Saint Louis University's policy number, which is FLX968737, 还有你的覆盖范围. Figures for base and optional life insurance may be found by viewing current 好处 elections 在工作日.