However, this exclusion will be waived for employees who have been insured for 180 days or were insured under another TIAA-CREF group disability plan with their previous employer. 4.1 Benefits will begin on the first day of the month following six continuous months of total disability. 5.1 Disability eligibility determinations are made for the Board by a medical advisor to the Plan. This payment will not be reduced by any other benefits an employee may be receiving as a result of disability. This optional life insurance program provides term insurance for employees.
Coverage is also available for spouse and children.
Insurance may be continued by direct billing or the policy may be converted to a whole-life policy at the employee's option upon termination of employment. Applications must be made within the first 60 days of employment in order for the employee's basic coverage to be obtained without health questions. Spouse and dependent insurance will require the medical questions to be answered and approval through ReliaStar. Family coverage is also available. This optional supplemental health insurance plan provides for benefits when hospitalized for definitive cancer treatment.