BASIC LIFE AND AD&D (Paid for by MUST)
MUST provides $10,000 of Basic Group Life Insurance coverage to eligible employees of participating member groups at no additional cost to the group or the employee. Member groups may enhance coverage for employees by electing the Employer Paid Life and/or the Employee Paid Voluntary Life plans. MUST Group Life Insurance coverage is not available for retirees, school-board trustees, or employees who do not elect medical coverage.
ADDITIONAL LIFE OPTIONS
Employer-Paid Life: This is an additional Life and Accidental Death & Dismemberment (AD&D) policy paid for by the employer. Employers may elect any amount in increments of $10,000 to a maximum of $150,000.
Employee-Paid Voluntary Life Buy-Up: If elected at the group level, an employee can purchase additional Life and AD&D. They can elect any amount in increments of $10,000 to the lesser of $500,000 or four times base annual earnings. Employees can elect up to $100,000 without submitting evidence of insurability upon initial enrollment.
Voluntary Dependent Life: This is an additional life policy paid for by the employee who purchases the Voluntary Life Buy-Up. Spousal/Domestic Partner coverage can be purchased in multiples of $10,000 (min) to $50,000 (max). No evidence of insurability needed for the minimum coverage upon initial enrollment. Dependent coverage can be purchased in $5,000 or $10,000 limits (child/ren).
LONG-TERM DISABILITY (LTD)
MUST provides Basic Long Term Disability (LTD) coverage to eligible employees of participating member groups at no additional cost to the group or the employee. Member groups may enhance coverage for employees by electing the LTD buy-up and/or the LTD Employer-paid non-medical enrolled buy-up. MUST LTD coverage is not available retirees, school-board trustees, or employees who do not elect medical coverage.
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