Coverage Available for Portability
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 your Spouse or your Children are insured under the certificate just prior to your Spouse's or your Children's Ported Coverage Effective Date. 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 your Benefit Amount; 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 Your Spouse must port Spouse coverage 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 your Benefit Amount; 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 your Spouse's and your Children'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, Travel Assist, and Life Planning Financial and Legal Resources; - Air Bag Benefit for AD&D; - Education Benefit; - Exposure and Disappearance Benefit; - Helmet Benefit; - Repatriation Benefit; Your Spouse's ported coverage will reduce at any time it would reduce for your Eligible Group if you had continued in Active Employment with your Employer; however, all coverage reductions will happen on your Spouse's birthday. If your Spouse chooses to apply for portable Spouse coverage, coverage may also be ported for your Children. Your Spouse must apply to port coverage within 31 days from the date of a Portability Event. The first premium payment for your Spouse's ported coverage is due at the time your Spouse submits their application. Applications for Portability are available from your Employer, from us, or online at services.unum.com . - Seatbelt(s) Benefit for AD&D; - Spouse Education Benefit; and - Waiver of Premium.
Ported Coverage Reductions Due to your Spouse's Age
Applying for Portability
UA-GTLPORT21
Portability of Group Life and Accidental Death and Dismemberment Insurance
(1/1/2025) 5
Unum Life Insurance Company of America
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