Life & Disability
州立鲍灵格林大学 offers Life Insurance benefits through Minnesota Life, 也被称为安全人寿.
Financial Security
预测未来的财务需求可能是最具挑战性的. 你是否在努力确保
万一发生意外，你的家人可以得到保障, 或者你试图建造
your retirement, it is important to understand what is available for you here at BGSU.
Basic Life Insurance
BGSU offers basic life insurance coverage through Minnesota Life, including an accidental death and
所有全职教员、行政人员和分类人员均可享受肢解福利.
The basic life insurance amount is one and one-half times the base annual salary rounded to the next $1,000 with a minimum of $50,000 and a maximum of $125,000 in coverage.
The Internal Revenue Service (IRS) requires that employees be taxed on the value of the employer paid
团体人寿保险保险金额超过5万美元，这被称为“估算收入”.” This
means that for life insurance coverage that exceeds $50,000 per year, the tax you owe on the value
of the coverage that exceeds $50,000 is reported to the IRS in Box 12 of your year-end W-2 form.
The tax is based upon age brackets based on your age on the last day of that calendar year and will
随着年龄的增长，每五年增加一次.
为您选择人寿保险
As a new hire you may enroll in Optional Life Insurance within the first 30 days from your date of hire. 保险从你被录用后的第一个月的第一天开始生效. During Open Enrollment, employees have an opportunity to elect or increase the amount of optional life insurance.
你最多可以注册你年收入的5倍，不超过30万美元. (Annualized salary is
your base salary as of September 1, and does not include stipends or other earnings you may be
paid.)
如果您目前没有可选择的人寿保险，并希望注册, 你需要提供
evidence of insurability.
If you currently have optional life coverage, you will be able to increase it by one level without
providing evidence of insurability as long as the level is not in excess of the guaranteed amount
取决于你的年龄或薪水. 如果你选择的金额高于保证发行金额，你将
被指示提交可保性证明.
Evidence of Insurability
Evidence of Insurability, 通常被称为EOI, 需要你作为教员, administrative or
classified staff member to provide more information in order for Minnesota Life (for optional life
(保险)决定保险的接受. 如果你被要求提交意向书, you must complete the appropriate form 并提交给人力资源办公室 by the Open Enrollment deadline.
Age Reduction Clause: 雇员基本人寿保险和意外死亡的数额
dismemberment insurance coverage has an age-reduction provision that results in the employee’s
当他或她达到70岁时，覆盖面将减少50%. 例如，如果你的人寿保险
coverage is $50,000, the amount paid to your beneficiary would be one-half of the covered amount
(5万美元的一半= 2.5万美元).
配偶及子女的受供养人寿保险
BGSU offers life insurance on your dependents on a voluntary basis, as a new hire and/or during the
annual Open Enrollment. 这一覆盖旨在帮助减轻经济后果
受扶养人罹患致命疾病或突然死亡. 在开放注册期间，如果您目前没有
have dependent life insurance and wish to enroll, your dependent(s) will be required to provide
evidence of insurability. 保险金额如下:
- Spouse - $10,000
- 15天至6个月的儿童- $500
- 6个月至21岁的儿童- $5,000.
每月的费用是2美元，不管有多少家属. 你的每个付款期的金额将
显示在您的在线注册上.
如果你目前没有注册, 并在开放登记期间选择保险, in order to be approved
by Minnesota Life, you will need to submit evidence of insurability for each dependent you wish to cover.
一旦你的孩子满21岁, it is your responsibility to notify the Office of Human Resources to drop your child from coverage.
终止人寿保险承保范围的可移植性和转换
You have the right to choose continuation coverage from 明尼苏达人寿/安全人寿 for your life insurance. 如果您选择在与BGSU终止后继续您的人寿保险, elections must be made within 30 days of your termination date in order to convert your current life insurance policies. You can obtain more information by contacting 明尼苏达人寿/安全人寿 by calling 1-866-365-2374.
Take advantage of your LifeStyle Benefits
The following programs and resources are available to all employees insured under the Minnesota
Life/Securian Financial group life insurance program, their spouses and dependent children. No additional premium or
enrollment is required. 只要在需要时访问这些资源即可.
- Legal Services -法律、财务和悲伤资源可通过LifeWorks美国公司获得. 要访问，请使用用户名: lfg and password: resources, or call 1-877-849-6034.
- Legacy Planning Services -受保雇员、配偶及受养人均可享用
resources designed to help individuals and families work through end-of-life issues when dealing with
失去所爱的人或者为自己的去世做准备.
- 财务咨询 -领取至少25,000美元保单福利的受益人
may choose to use independent beneficiary counseling services from PricewaterhouseCoopers LLP. - 旅行援助服务 (For Personal Travel & Domestic Work Travel) -红点为所有美国现役军人提供旅行援助服务.S. employees covered under the group life insurance program and their spouses and dependents. The services are available 24/7/365 for emergency assistance and transport services when traveling 100 or more miles away from home. 访问红点网站或致电1-855-516-5433在美国.S. and Canada. 从其他地方，你可以拨打+1-415-484-4677.
- 国际工作旅行，详情请参阅 BGSU风险管理网站.
The 州立鲍灵格林大学 Long-Term Disability plan is administered by UNUM.
Long-Term Disability
This benefit is designed to provide a portion of your income when an extended injury or illness has occurred and prevents you from working. The amount of benefit you receive is based on your salary earned before your disability began.
该计划的等待期为一年的持续积极博天堂官方网站. The elimination period defines the time prior to when benefits begins and is the later of
- 180 days or
- 如果适用的话，你累积的病假工资结束的日期.
如果您在上次公开注册或受雇时没有选择此选项, 您可以在每年的开放注册期间这样做. However, in order to be considered by Unum, you will need to submit evidence of insurability. This form must be completed online and submitted directly to UNUM by the Open Enrollment deadline.
全职教师和行政人员:
全职议价单位教员, 学院管理人员和行政人员享有这一福利. 福利是月薪的60%，每月不超过3000美元.
全职分类人员:
全职保密人员可以购买此福利. 福利是月薪的60%，每月不超过5000美元.
州立鲍灵格林大学 provides Business Travel Accident coverage for all active full-time and part-time employees. This policy provides eligible employees with accident coverage while traveling on 州立鲍灵格林大学 business away from your regular place of employment for a period of less than 365 days. Some exclusions do apply.
受保雇员有权指定受益人. 受益人必须是书面的, on file with 州立鲍灵格林大学 Human Resources and will be provided to the insurance company at the time of claim. 受益人的指定可以随时变更. 如未指定受益人, the beneficiary designation on file for the group life insurance policy of those eligible employees will be followed. 在没有其他指定时, the benefits will be paid according to the order determined by the Business Travel Accident coverage.
This summary of information does not take the place of or altar any of the conditions, exclusions, 和其他保险条款在此总结. 它只是一个简短的描述性指南，以供参考. 索赔时将以官方政策计划文件为准.
如需指定受益人，请填写 商务旅行意外受益人指定表 并提交给人力资源办公室.
更新日期:2023年8月6日下午02:01