{"id":2588,"date":"2020-05-28T16:40:52","date_gmt":"2020-05-28T16:40:52","guid":{"rendered":"http:\/\/ffbenefits.ffga.com\/garlandisd\/?page_id=2588"},"modified":"2020-09-14T16:59:01","modified_gmt":"2020-09-14T16:59:01","slug":"group-term-life-insurance-2020-2021","status":"publish","type":"page","link":"https:\/\/ffbenefits.ffga.com\/garlandisd\/group-term-life-insurance-2020-2021\/","title":{"rendered":"Group Term Life Insurance 2020-2021"},"content":{"rendered":"\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lsh7k5-8821b4753a5cf47614ae70173ef75058\">\n.flex_column.av-lsh7k5-8821b4753a5cf47614ae70173ef75058{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-lsh7k5-8821b4753a5cf47614ae70173ef75058 av_one_full  avia-builder-el-0  el_before_av_three_fifth  avia-builder-el-first  first flex_column_div av-zero-column-padding '     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-kckn1h-685bb58e4778c7db03523b061c1b77aa\">\n.avia-image-container.av-kckn1h-685bb58e4778c7db03523b061c1b77aa img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-kckn1h-685bb58e4778c7db03523b061c1b77aa .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-kckn1h-685bb58e4778c7db03523b061c1b77aa av-styling- avia_animated_image av-animated-when-visible-95 right-to-left avia-align-center  avia-builder-el-1  avia-builder-el-no-sibling '   itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><div class=\"avia-image-container-inner\"><div class=\"avia-image-overlay-wrap\"><img decoding=\"async\" class='wp-image-1590 avia-img-lazy-loading-not-1590 avia_image ' src=\"\/wp-content\/uploads\/sites\/15\/2018\/05\/LifeBanner-1500x202.png\" alt='Life Insurance' title='LifeBanner'  height=\"202\" width=\"1500\"  itemprop=\"thumbnailUrl\" srcset=\"\/wp-content\/uploads\/sites\/15\/2018\/05\/LifeBanner.png 1500w, \/wp-content\/uploads\/sites\/15\/2018\/05\/LifeBanner-300x40.png 300w, \/wp-content\/uploads\/sites\/15\/2018\/05\/LifeBanner-768x103.png 768w, \/wp-content\/uploads\/sites\/15\/2018\/05\/LifeBanner-1030x139.png 1030w, \/wp-content\/uploads\/sites\/15\/2018\/05\/LifeBanner-705x95.png 705w, \/wp-content\/uploads\/sites\/15\/2018\/05\/LifeBanner-450x61.png 450w\" sizes=\"(max-width: 1500px) 100vw, 1500px\" \/><\/div><\/div><\/div><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-js5gzp-5b909507363427fdb6070475d2627dd2\">\n.flex_column.av-js5gzp-5b909507363427fdb6070475d2627dd2{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-js5gzp-5b909507363427fdb6070475d2627dd2 av_three_fifth  avia-builder-el-2  el_after_av_one_full  el_before_av_two_fifth  first flex_column_div av-zero-column-padding column-top-margin'     ><section  class='av_textblock_section av-hqsftx-c16663d8f569b7537dc3aed2cb03621c'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><h3>Group Term Life Insurance<\/h3>\n<p><strong>The group universal life product is being phased out and will become a term life product with lower rates for most age brackets<\/strong>.<\/p>\n<p>All benefits eligible employees will be able to enroll in coverage without health evidence up to a maximum coverage level this year. Voluntary life insurance is term life coverage you can purchase in addition to the basic life plan provided by your employer. It will cover you for a specific period of time while you are employed. The rates are age banded and increase every 5 years. It&#8217;s a group plan, premiums are typically lower, so it&#8217;s more affordable to gain the peace of mind that life insurance provides.<\/p>\n<ul>\n<li>Employee Group Term Life coverage:\n<ul>\n<li>Can elect coverage in $10,000 increments not to exceed an amount equal to <strong>4X base pay or maximum $250,000 (whichever is less)<\/strong>without health evidence.<\/li>\n<li>Can elect coverage in $10,000 increments over 4X base pay (maximum $1,000,000) by completing Statement of Health paperwork.<\/li>\n<\/ul>\n<\/li>\n<li>Spouse Group Term Life coverage:\n<ul>\n<li>Must elect Employee Group Term Life to elect spouse coverage.<\/li>\n<li>Employee can choose coverage for spouse in $10,000 increments up to $50,000.<\/li>\n<\/ul>\n<\/li>\n<li>Child Group Term Life coverage:\n<ul>\n<li>Must elect Employee Group Term Life to elect coverage for children.<\/li>\n<li>Employee can choose coverage for children in flat $5,000 or $10,000 coverage amounts. One policy covers all eligible dependent children.<\/li>\n<\/ul>\n<\/li>\n<li>2020 Benefits Open Enrollment <strong><u>all<\/u> <\/strong>current benefits eligible employees (not just current GUL participants) will be able to elect Employee Group Term Life coverage in $10,000 increments not to exceed an amount equal to 4X base pay or $250,000 (whichever is less) <u>without<\/u> health evidence. Enrollment for spouse and child coverage can also be elected without health evidence for 2020 Open Enrollment.<\/li>\n<\/ul>\n<\/div><\/section><br \/>\n<div  class='hr av-flc5qt-4bbcda80a79b87b755765bb4b93019de hr-default  avia-builder-el-4  el_after_av_textblock  avia-builder-el-last '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div><\/p><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-eh699x-12528aa5cd1646e61b90794b7b7b2365\">\n.flex_column.av-eh699x-12528aa5cd1646e61b90794b7b7b2365{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-eh699x-12528aa5cd1646e61b90794b7b7b2365 av_two_fifth  avia-builder-el-5  el_after_av_three_fifth  avia-builder-el-last  flex_column_div av-zero-column-padding column-top-margin'     ><p><article  class='iconbox iconbox_top av-19yx2t-b4ec211ac4599bf6c87833481c77e3c4  avia-builder-el-6  el_before_av_textblock  avia-builder-el-first  main_color'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconbox_content\"><header class=\"entry-content-header\"><a href='http:\/\/www.metlife.com' title='MetLife' target=\"_blank\" rel=\"noopener noreferrer\" class=\"iconbox_icon heading-color\" aria-hidden='true' data-av_icon='\ue854' data-av_iconfont='entypo-fontello'><\/a><h3 class='iconbox_content_title '  itemprop=\"headline\" ><a href='http:\/\/www.metlife.com' title='MetLife' target=\"_blank\" rel=\"noopener noreferrer\">MetLife<\/a><\/h3><\/header><div class='iconbox_content_container '  itemprop=\"text\" ><p>(866)\u00a0492-6983<\/p>\n<p><a href=\"http:\/\/www.metlife.com\" target=\"_blank\" rel=\"noopener noreferrer\">www.metlife.com<\/a><\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><br \/>\n<section  class='av_textblock_section av-ak2qmd-4a5e2d616d6e887b9bb1e822fe8319ed'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><h3>Group Term Life Plan Information<\/h3>\n<ul>\n<li><span class=\"Apple-converted-space\"> <a href=\"\/wp-content\/uploads\/sites\/15\/2020\/07\/Garland-ISD-BSCL-PADD-SUPL-DEPL.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Term Life Insurance Plan Summary<\/a><\/span><\/li>\n<\/ul>\n<\/div><\/section><\/p><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-2588","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/ffbenefits.ffga.com\/garlandisd\/wp-json\/wp\/v2\/pages\/2588","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ffbenefits.ffga.com\/garlandisd\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/ffbenefits.ffga.com\/garlandisd\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/ffbenefits.ffga.com\/garlandisd\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/ffbenefits.ffga.com\/garlandisd\/wp-json\/wp\/v2\/comments?post=2588"}],"version-history":[{"count":8,"href":"https:\/\/ffbenefits.ffga.com\/garlandisd\/wp-json\/wp\/v2\/pages\/2588\/revisions"}],"predecessor-version":[{"id":2887,"href":"https:\/\/ffbenefits.ffga.com\/garlandisd\/wp-json\/wp\/v2\/pages\/2588\/revisions\/2887"}],"wp:attachment":[{"href":"https:\/\/ffbenefits.ffga.com\/garlandisd\/wp-json\/wp\/v2\/media?parent=2588"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}