Supplemental Life Insurance

• For yourself: An amount between $10,000 and $500,000 in increments of $10,000. Guaranteed issue amount of $100,000 applies to newly hired employees only.
• For your spouse: An amount between $5,000 and $250,000, in increments of $5,000. Spouse Optional Life coverage may not exceed 50% of the employee’s coverage. Guaranteed issue amount of $50,000 applies to spouses of newly hired employees only.
   
• For your dependent child(ren):You may purchase $5,000 ($500 for birth – 6 months) or $10,000 ($1,000 for birth – 6 months) for each child up to age 19 and dependent on parent(s) for 50% of their support).

RATE CALCULATOR 

• For yourself: An amount equal to 1, 2, 3 or 4 times your basic annual earnings up to $500,000. Guaranteed issue amount of $100,000 applies to newly hired employees only.
   
• For most plans, “basic annual earnings” is defined as your salary. Basic annual earnings excludes bonuses, commissions or overtime. Please see your benefits booklet or check with Payroll for the exact definition of earnings that applies to you.
• For your spouse: An amount between $5,000 and $250,000, in increments of $5,000. Maximum spouse coverage is 50% of the employee’s supplemental life coverage. Guaranteed issue amount of $50,000 applies to spouses of newly hired employees only.
   
• For your dependent child(ren): You may purchase $5,000 ($500 for birth – 6 months) or $10,000 ($1,000 for birth – 6 months) for each child up to age 19 years old dependent on parent(s) for 50% of their support).

RATE CALCULATOR

• Guaranteed issue amounts are only guaranteed for elections made within the 31 days of original hire date.
• Your supplemental insurance plan is portable at the end of employment with WESD if under the age of 70.
• Please use the Life Insurance Calculator on ESS to verify your rates as they may change based on current age.
• You must elect supplementary life coverage for yourself in order to elect coverage for your spouse
  and/or children.
• New enrollment requires completion of a Symetra enrollment form which is on the ESS site.
• Employees and spouses who both work for the District cannot purchase additional spouse coverage on each other. In addition, only one spouse may purchase coverage on the dependent children.
• Evidence of Insurability (EOI) is required if enrolling in supplemental life insurance for the first time during an Open Enrollment period or increasing the current benefit amount. Employees requiring EOI for their 21-22 elec-tions will be notified directly by Symetra. Failure to complete the EOI within the allowed time frame will cancel your new or increased supplemental life election for the school year. EOI’s are not required to continue with the current election amount.

Enrollment in Symetra’s Group Life Insurance also includes the following complementary and enhanced benefits:

• Travel Assistance Program - Help in finding physicians, dentist and medical facilities while traveling. Access to emer-gency and interpretation/translation services.
   
• Identity Protection Program - Lost wallet assistance. Credit information review (member provided credit report). Three bureau fraud alert placement assistance.
   
• Beneficiary Companion Program - Guidance on how to obtain death certificate copies, and Dedicated Beneficiary Assis-tance Coordinators to manage notifications and close loved one’s accounts. Assistance protecting the loved one’s identity and full resolution services in case the deceased’s identity is stolen.

For more information visit https://www.symetra.com/