- you, your Spouse, or your Children were not insured under your Employer's policy; - you or your Spouse has reached age 70; - your Child does not meet the definition of Children; or - you, your Spouse, or your Children are Confined in a Hospital or confined at home. If we determine that you, your Spouse, or your Children were not eligible for Portability at the time portable coverage was applied for, the benefit will be adjusted to the amount of whole life coverage the premium would have purchased under the Conversion provision. Coverage Available for Portability does not include any coverage for which an application to convert has been approved. For purposes of this section, Benefit Amount means the total Benefit Amount in force for which you, your Spouse, or your Children are insured under the certificate just prior to your, your Spouse's, or your Children's Ported Coverage Effective Date. For You The maximum amount of coverage available to port is the lesser of: - your Benefit Amount; - 5x your annual Earnings; or - $750,000 from all Unum group life and accidental death and dismemberment plans combined. The minimum amount of coverage available to port is the lesser of: - your Benefit Amount; or - $10,000. If your Benefit Amount was based on your Earnings, the amount of coverage available to port will be in $1,000 increments and will not be connected to any future changes in Earnings. For your Spouse You must port coverage for yourself to port coverage for your Spouse. The maximum amount of coverage available to port for your Spouse is the lesser of: - your Spouse's Benefit Amount; - 100% of the amount of your ported coverage; or - $750,000 from all Unum group life and accidental death and dismemberment plans combined. The minimum amount of coverage available to port is the lesser of: - your Spouse's Benefit Amount; or - $5,000. For your Children You must port coverage for yourself to port coverage for your Children. The maximum amount of coverage available to port for your Children is the lesser of: - your Children's Benefit Amount; - 100% of the amount of your ported coverage; or - $20,000. The minimum amount of coverage available to port is the lesser of: - your Children's Benefit Amount; or - $1,000. The amount of an Insured's ported life insurance coverage must be equal to or greater than the amount of ported AD&D insurance coverage. Coverage Available for Portability does not include the following services and benefits included in or with your certificate: - Accelerated Death Benefits; - Additional Services, including but not limited to, Employee Assistance Programs,
Coverage Available for Portability
UA-GTLPORT21
Portability of Group Life and Accidental Death and Dismemberment Insurance
(1/1/2025) 2
Unum Life Insurance Company of America
Made with FlippingBook Online newsletter