Rules and Considerations when Selecting Optional Life and AD&D Coverages

By default, UWinsite People (UWP) is set up to waive the coverage. If applicable, you can choose Optional Life and AD&D coverages and you will be responsible for the cost. You can select these options when you enroll yourself and/or your contacts in benefit coverage. This article covers important rules related to the Optional Life and AD&D coverages.  

  1. To purchase Optional Life and AD&D coverages, select covered and deselect waived to avoid enrolment errors in UWP.
  2. Then add your beneficiaries for Employee Optional Life and Employee Optional AD&D, if elected. The Spousal Optional Life/AD&D coverages and the Dependent Optional Life/AD&D coverages will be assigned to you automatically if you choose these types of coverage. 

Special Rules to Note: 

  • If this is your first benefit enrollment with the University of Windsor, you are:  
  • eligible to choose up to $50,000 in Employee Optional Life coverage and/or $50,000 Employee Optional AD&D coverage within the first 31 days of becoming eligible for benefits without having to provide Proof of Good Health for Life Insurance Carrier approval. 
  • eligible to choose $20,000 in Spousal Optional Life and/or $20,000 Spousal Optional AD&D coverage in the first 31 days of becoming eligible for benefits without having to provide Proof of Good Health for your spouse for Life Insurance Carrier approval. 
  • Dependent Optional Life, and Dependent Optional AD&D coverage, applicable to child and/or adult dependent, do not require Proof of Good Health. Coverage starts as of the election date or the date of eligibility, whichever comes later. 
  • You need to elect Employee Optional AD&D coverage to be able to elect Spousal Optional AD&D or Dependent Optional AD&D coverage.  
  • Coverage for Optional Life for Employee/Spouse/Dependent continues until the Employee is 70 years of age, and/or the Spouse or Dependent is considered no longer eligible, whichever comes earlier. 
  • Coverage for AD&D continues until the Employee retires, or is 65 years of age, whichever comes earlier. 

 

The per pay period cost for Spousal and/or Dependent

Optional AD&D coverage will be calculated upon submission. If you want to change your election option, you can do so by selecting Make Change on the main Benefits screen following the completion of enrollment.  

Find the steps on enrolment and more in the knowledge-base articles in the Benefits category. 

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