If the plan is not used, the employee's benefit level remains the same. Employees may elect to increase their coverage or opt for additional dependent life insurance at their own expense. Employees may elect to increase their individual coverage or add family coverage at their own expense. No additional options are available. Employees become eligible to receive monthly disability benefits upon exhaustion of all sick leave or ninety days of disability, whichever is greater.
Coverage is for employees only.
This Summary of Benefits is only intended to be a general overview of plan information and not to be construed as policy. All benefits are paid according to the terms, exclusions and conditions specified within the Plan Document itself.