City of Vernon
Basic life/AD&D insurance
6448858
1 What is it?
Life and accidental death and dismemberment (AD&D) insurance provide cash benefits in the unfortunate event that you or a covered family member passes away or suffers a traumatic injury.
Why is this coverage valuable?
Life and AD&D insurance can offer reassurance that you, or the people you love, will have access to money to help cover expenses during a challenging time.
Your life insurance and AD&D coverage
Eligibility description
All full-time and regular part-time employees working a minimum of 30 hours per week
Contribution Your employer pays the cost of your coverage Employee life coverage amount $50,000
AD&D Plus coverage amount Your enhanced AD&D coverage is equal to the life benefit amount Basic dependent life and AD&D coverage
Spouse/domestic partner: $1,500
Child(ren) Plan: Live birth to 26 years: $1,000
Benefit reductions
Employee: 35% reduction at age 65, an additional 25% reduction of the original amount at age 70, an additional 15% of the original amount at age 75, an additional 10% of the original amount at age 80. Benefits end when you retire
Spouse/domestic partner: Benefits end at age 70. Reductions are based on employee age.
Evidence of insurability (EOI): A health statement requiring you to answer a few medical history questions.
Not applicable
Conversion: Allows you to continue coverage after your group plan has terminated.
Yes, with restrictions. See certificate of benefits.
LifeKeys® services: Access to counseling, financial, and legal support services.
Included
TravelConnect® services: Access to emergency medical assistance for you and your family when you’re on a trip 100 or more miles from home.
Included
Basic life/AD&D insurance
2 Benefit exclusions
Like any insurance, this life and AD&D insurance policy does have exclusions.
For life insurance, a suicide exclusion may apply.
For AD&D, benefits won’t be paid if death/dismemberment occurs as the result of:
▪ War, declared or undeclared, or any act of war
▪ Intentionally self-inflicted injuries, while sane or insane ▪ Suicide, or suicide attempt, while sane or insane
▪ Active participation in a riot
▪ Committing or attempting to commit a felony
▪ Disease, bodily or mental illness, or medical or surgical treatment thereof ▪ Infections
▪ 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 This is an incomplete list of benefit exclusions. A complete list is included in the policy. State variations apply. ©2024 Lincoln National Corporation
LincolnFinancial.com
Lincoln Financial is the marketing name
for Lincoln National Corporation and its
affiliates.
Affiliates are separately responsible for
their own financial and contractual
obligations.
LCN-6448858-030124
PDF 5/24 Z01
Order code: GP-LADEP-FLI001
Reminder: Please review your beneficiary(ies) to ensure they’re up to date. It’s good practice to review, and if necessary, update your beneficiary(ies) annually.
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. ComPsych® is not a Lincoln Financial® company. Coverage is subject to actual contract language. Each independent company is solely responsible for its own obligations (except in Vermont).
State limitations apply. Beneficiary grief counseling is the only benefit available to a beneficiary(ies) of policies issued in the state of New York. Online will prep is the only benefit available to insured employees and dependents of policies issued in the state of Washington.
TravelConnect® services are provided by On Call International, Salem, NH. On Call International is not a Lincoln Financial® company and Lincoln Financial® does not administer these services. Each independent company is solely responsible for its own obligations.
On Call International must coordinate and provide all arrangements in order for eligible services to be covered.
Coverage is subject to contract language that contains specific terms, conditions, and limitations, which can be found in the program description.
The TravelConnect® program is not available to insured employees and dependents of policies issued in the state of New York and Washington. Access only program available to insured employees and dependents of policies issued in the state of Missouri and Texas. Benefits provided under the Access only program exclude payment for paid services. Not available in New York and Washington.
Insurance products are issued by The Lincoln National Life Insurance Company, Fort Wayne, IN, which does not solicit business in New York, nor is it licensed to do so. In New York, insurance products are issued by Lincoln Life & Annuity Company of New York, Syracuse, NY. Both are Lincoln Financial® companies. Product availability and/or features may vary by state. Limitations and exclusions apply.
City of Vernon
Voluntary life/AD&D insurance
6449071 1
What is it?
Life and accidental death and dismemberment (AD&D) insurance provide cash benefits in the unfortunate event that you or a covered family member passes away or suffers a traumatic injury from certain covered accidents.
Why is this coverage valuable?
Life and AD&D insurance can offer reassurance that you, or the people you love, will have access to money to help cover expenses during a challenging time.
Your life/AD&D coverage
Eligibility description
All full-time and regular part-time employees working a minimum of 30 hours per week
Contribution You pay the cost of your coverage
Employee life coverage amount Increments of $10,000
Employee life coverage maximum
This amount may not exceed the lesser of five times annual earnings rounded to the next higher $10,000 or $500,000
Spouse/domestic partner life coverage Increments of $5,000 Spouse/domestic partner life coverage maximum
This amount may not exceed the lesser of one times annual earnings rounded to the next higher $5,000 or $100,000
Dependent child(ren) life coverage
Live birth but under 26 years: increments of $2,000 and a maximum of $10,000
AD&D plus coverage Your AD&D coverage is equal to the life benefit amount AD&D spouse/domestic partner plus coverage Your dependent AD&D coverage is equal to the life benefit amount Guarantee issue: You’re not required to answer health questions to qualify for coverage up to and including the specified amount when you sign up for coverage during the initial enrollment period.
Employee: $200,000
Spouse/domestic partner: $35,000
Evidence of insurability (EOI): A health statement requiring you to answer a few medical history questions.
Health statement may be required
Benefit reductions
Spouse/domestic partner: Benefits end when you reach age 70 or retire, whichever occurs first
Portability: Allows you to continue maintaining coverage if you terminate your employment.
Yes
Conversion: Allows you to continue coverage after your group plan has been terminated.
Yes, with restrictions. See certificate of benefits
Life/AD&D insurance
2 Accelerated life benefit: A lump-sum benefit is paid to you if you’re diagnosed with a terminal condition as defined by the plan.
Yes. See certificate of benefits
Waiver of premium: Relieves you from paying premiums during a period of disability that’s lasted for a specific length of time.
Included
EmployeeConnect SM services: Gives you and your family confidential access to counselors, along with personal, counseling, legal, and financial assistance.
Included
TravelConnect® services: Access to emergency medical assistance for you and your family when you’re on a trip 100 or more miles from home.
Included
Life/AD&D rate information
Option Monthly rate
Employee and spouse/domestic partner life insurance See rate tables below Employee AD&D $0.025 per $1,000 in covered benefit
Spouse/domestic partner AD&D $0.025 per $1,000 in covered benefit Child(ren) life insurance $0.100 per $1,000 in covered benefit Employee life insurance monthly rate per $1,000: Spouse/domestic partner life insurance monthly rate per $1,000:
Age range
Premium
monthly rate
0 – 19 $0.060
20 – 24 $0.045
25 – 29 $0.045
30 – 34 $0.045
35 – 39 $0.060
40 – 44 $0.100
45 – 49 $0.150
50 – 54 $0.230
55 – 59 $0.360
60 – 64 $0.450
65 – 69 $0.580
70+ $0.620
Age range
Premium
monthly rate
0 – 19 $0.060
20 – 24 $0.045
25 – 29 $0.045
30 – 34 $0.045
35 – 39 $0.060
40 – 44 $0.100
45 – 49 $0.150
50 – 54 $0.230
55 – 59 $0.360
60 – 64 $0.450
65 – 69 $0.580
70+ $0.620
Life/AD&D insurance
3 Benefit exclusions
Like any insurance, this life and AD&D insurance policy does have exclusions.
For life insurance, a suicide exclusion may apply.
For AD&D, benefits won’t be paid if death/dismemberment occurs as the result of:
▪ War, declared or undeclared, or any act of war
▪ Intentionally self-inflicted injuries, while sane or insane ▪ Suicide, or suicide attempt, while sane or insane
▪ Active participation in a riot
▪ Committing or attempting to commit a felony
▪ Disease, bodily or mental illness, or medical or surgical treatment thereof ▪ Infections
▪ 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
This is an incomplete list of benefit exclusions. A complete list is included in the policy. State variations apply. ©2024 Lincoln National Corporation
LincolnFinancial.com
Lincoln Financial® is the marketing name
for Lincoln National Corporation and its
affiliates.
Affiliates are separately responsible for
their own financial and contractual
obligations.
LCN-6449071-030124
PDF 6/24 Z01
Order code: GP-LADVL-FLI001
Reminder: Please review your beneficiary(ies) to ensure that they’re up to date. It’s good practice to review, and if necessary, update your beneficiary(ies) annually.
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.
EmployeeConnectSM services are provided by ComPsych® Corporation, Chicago, IL. ComPsych® and GuidanceResources® are registered trademarks of ComPsych® Corporation. ComPsych® is not a Lincoln Financial company. Not available in Washington. For New York, legal and financial assistance is not available.
TravelConnect® services are provided by On Call International, Salem, NH. On Call International is not a Lincoln Financial® company and Lincoln Financial® does not administer these services. Each independent company is solely responsible for its own obligations.
On Call International must coordinate and provide all arrangements in order for eligible services to be covered. Coverage is subject to contract language that contains specific terms, conditions, and limitations, which can be found in the program description.
The TravelConnect® program is not available to insured employees and dependents of policies issued in the state of New York and Washington. Access only program available to insured employees and dependents of policies issued in the state of Missouri and Texas. Benefits provided under the Access only program exclude payment for paid services. Not for use in New York and Washington.
Insurance products are issued by The Lincoln National Life Insurance Company, Fort Wayne, IN, which does not solicit business in New York, nor is it licensed to do so. In New York, insurance products are issued by Lincoln Life & Annuity Company of New York, Syracuse, NY. Both are Lincoln Financial ® companies. Product availability and/or features may vary by state. Limitations and exclusions apply.
City of Vernon
Long-term disability insurance
6459796 1
What is it?
Long-term disability insurance pays you a portion of your salary while you’re away from work or recovering from a covered illness or injury.
Why is this coverage valuable?
When you’re unable to collect your normal paycheck due to injury or illness, your disability policy provides money that can help you pay your bills.
Your long-term disability coverage
Eligibility description
All full-time and regular part-time employees working a minimum of 30 hours per week excluding Firefighters, Paramedics, Police Captains, Battalion Chief, Lieutenant and Sergeants
Contributions You pay the cost of your coverage
Coverage amount 60% of your monthly earnings to a maximum of $15,000 per month Maximum benefit period
Social Security Normal Retirement Age (SSNRA) or maximum benefit period outlined below, whichever is later:
Age
at disability
Maximum
benefit period
Under 60 To age 65
60 60 months
61 48 months
62 42 months
63 36 months
64 30 months
65 24 months
66 21 months
67 18 months
68 15 months
69+ 12 months
Elimination period 90 days
Evidence of insurability (EOI): A health statement requiring you to answer a few medical history questions.
Health statement may be required
Preexisting condition(s): Any condition or symptom for which you, in the specified time period before coverage in this plan, consulted with a physician, received treatment, or took prescribed drugs. 3 months lookback;
12 months after effective date of coverage
Premium waived if disabled: Premium won’t need to be paid when you’re receiving benefits.
Yes
EmployeeConnect SM services: Gives you and your family confidential access to counselors, along with personal, counseling, legal, and financial assistance.
Included
Long-term disability insurance
2 Long-term disability rate information
Age range Monthly premium rate per $100
0 – 24 $0.093
25 – 29 $0.093
30 – 34 $0.210
35 – 39 $0.329
40 – 44 $0.415
45 – 49 $0.565
50 – 54 $0.565
55 – 59 $0.565
60+ $0.635
Long-term disability insurance
3 Exclusions, limitations, and reductions
Like any insurance, this long-term disability insurance policy does have some exclusions. You won’t receive benefits if:
▪ Your disability is the result of a self-inflicted injury or act of war ▪ Your disability occurs while you’re committing a felony or misdemeanor, or participating in a riot ▪ Your disability occurs while you’re imprisoned for committing a felony ▪ Your disability occurs while you’re residing outside of the United States or Canada for more than 12 consecutive months for a purpose other than work
Your benefits may be reduced if you’re eligible to receive benefits from:
▪ A state disability plan or similar compulsory benefit act or law ▪ A retirement plan
▪ Social Security
▪ Any form of employment
▪ Workers’ compensation
▪ Salary continuance
▪ Sick leave
This is an incomplete list of benefit exclusions. A complete list is included in the policy. State variations apply. ©2024 Lincoln National Corporation
LincolnFinancial.com
Lincoln Financial® is the marketing name
for Lincoln National Corporation and its
affiliates.
Affiliates are separately responsible for
their own financial and contractual
obligations.
LCN-6459796-030624
PDF 5/24 Z01
Order code: GP-LTDEP-FLI001
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 contract, the contract will govern.
EmployeeConnect SM services are provided by ComPsych® Corporation, Chicago, IL. ComPsych® and GuidanceResources® are registered trademarks of ComPsych® Corporation. ComPsych® is not a Lincoln Financial company.
Product availability and/or features may vary by state. Limitations and exclusions apply.
Lincoln Financial is the marketing name for Lincoln National Corporation and its affiliates. Affiliates are separately responsible for their own financial and contractual obligations. Not available in Washington. For New York, legal and financial assistance is not available.