Additional Plan Benefits Included with Life Coverage Accelerated Death Benefit: Enables you to receive a portion of your policy death benefit while you are living if diagnosed with a terminal illness. Please note that the receipt of an accelerated death benefit may be taxable. A covered employee should consult their tax advisor. Waiver of Premium: is a provision that allows you to not pay premiums during a period of disability that has lasted for a particular length of time. Conversion: If all or part of your optional and dependent life coverage ends, you may convert the amount of coverage you had under the group policy to an individual life insurance policy without medical evidence. Portability: If all or part of your optional and optional dependent life coverage ends, you may continue all or part of the amount that ends, less any amounts converted to an individual policy. Portable group term life insurance is not available if coverage ends because the group policy terminates.
Included
Included
Included
Included
This is not intended as a complete description of the insurance coverage offered. Controlling provisions are provided in the policy, and this summary does not modify those provisions or the insurance in any way. This is not a binding contract. A certificate of coverage will be made available to you that describes the benefits in greater detail. Refer to your certificate for your maximum benefit amounts. Should there be a difference between this summary and the policy, the policy will govern. LifeKeys ® services are provided by ComPsych® Corporation, Chicago, IL. TravelConnect® travel assistance services are provided by On Call International, Salem NH. On Call International must coordinate and provide all arrangements in order for eligible services to be covered. ComPsych® and On Call International are not Lincoln Financial Group companies and Lincoln Financial Group does not administer these Services. Each independent company is solely responsible for its own obligations. Coverage is subject to contract language that contains specific terms, conditions, and limitations. Group insurance products and services described herein are issued by The Lincoln National Life Insurance Company, Fort Wayne, IN. The Lincoln National Life Insurance Company does not solicit business in New York, nor is it licensed to do so. Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Affiliates are separately responsible for their own financial and contractual obligations. Benefit Exclusions Like any insurance, this term life and AD&D insurance policy does have exclusions. For Life Coverages: A suicide exclusion may apply. A complete list of benefit exclusions is included in the policy. State variations apply. For AD&D coverages : Benefits will not be paid if death or dismemberment occurs as the result of: • War, declared or undeclared, or any act of war • Intentionally self-inflicted injuries, suicide, or suicide attempt while sane or insane • Active Participation in a riot • Committing or attempting to commit a felony or misdemeanor • Disease, bodily or mental illness (or medical or surgical treatment thereof) • Infections, except septic infections of and through a visible wound • Controlled Substances voluntarily taken, ingested or injected, unless prescribed or administered by a Physician • Serving on full-time active duty in the Armed Forces of any country or international authority. • The presence of alcohol in the Covered Person’s blood which raises the presumption that the Covered Person was under the influence of alcohol and contributed to the cause of the accident. *A complete list of benefit exclusions and descriptions are included in the policy. State variations apply.
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Optional Life Insurance Benefits At-A-Glance 3
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