Currently Enrolled:
Optional Employee Life: A statement of health is required for the additional amount elected over the guaranteed issue of $300,000. If denied, your coverage will default to the guaranteed issue of $300,000 or your current coverage amount if your current coverage amount is higher than $300,000. Spouse Life: A statement of health is required for the additional amount elected over the guaranteed issue of $50,000. If denied, your coverage will default to the guaranteed issue of $50,000 or your current coverage amount if your current coverage amount is higher than $50,000
Evidence of Insurability (Statement of Health) Rules for 2025 Open Enrollment Only
Not Currently Enrolled:
Optional Employee Life: A statement of health is required if the amount elected is over the guaranteed issue of $300,000. If denied, your coverage will default to the guaranteed issue of $300,000. Spouse Life: A statement of health is required if the amount elected is over the guaranteed issue of $50,000. If denied, your coverage will default to the guaranteed issue of $50,000. Optional Employee Life: A statement of health is required if the amount elected is greater than the guaranteed issue of $300,000 or an increase of more than one level (1x annual salary) at each annual enrollment. Spouse Life: A statement of health is required if the amount elected is greater than the guaranteed issue of $50,000 or an increase of more than one level ($5,000) at each annual enrollment.
Evidence of Insurability (Statement of Health) Rules for New Associates and Enrollment Events After 1/1/2025
When you reach age 70, life benefits reduce to 65%. When you reach age 75, life benefits reduce to 50%.
Reduction Schedule
Waiver of Premium
Your cost may be waived if you are totally disabled for a period of time.
If you are diagnosed with a terminal illness with less than 12 months to live, you can request 50% of your life insurance benefit while you are still living.
Living Benefit
You may be able to keep all or part of your coverage(s) if you leave MAA, retire or change the number of hours you work per week (i.e., full-time to part-time).
Portability and Conversion
Life Planning Financial & Legal Resources (Included with the Basic Life coverage)
Service available to associates, spouses and beneficiaries who need help during a terminal illness or after the loss of a covered associate.
Travel assistance services are provided by Assist America, Inc. and provide 24/7 access to help with situations that may arise during travel. Services are available to you (and your spouse and dependent children up to age 26 if traveling with you) while traveling for business or pleasure more than 100 miles from home. Assist America arranges and pays for 100% of the services the company provides, but you must call Assist America first – you cannot be reimbursed for services you arrange on your own.
Travel Assistance (Included with the Basic Life coverage)
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