Oklahoma Administrative Code › Title 260 - Office of Management and Enterprise Services › Chapter 50 - Employees Group Insurance Division - Health, Dental, Vision and Life Plans › Subchapter 5 - Coverage and Limitations › Part 5 - HEALTHCHOICE LIFE BENEFITS › Section 260:50-5-22 - Optional supplemental life coverage for eligible employees

Current through Vol. 41, No. 20, July 1, 2024
(a)
Supplemental life coverage.
Supplemental life coverage is available for eligible employees who are covered
				  by the basic term life coverage.
(b)
Enrollment.
At the time of
				  initial enrollment, supplemental life may be requested up to the
				  pre-established level set forth in the benefit administration procedures or
				  guidelines as adopted by EGID, without submitting evidence of insurability. All
				  supplemental life insurance requested which exceeds the pre-established level
				  will require evidence of insurability. Coverage selected in the supplemental
				  life insurance program begins on the first [1 
				  st ] day of the month following the
				  date of employment. Optional coverages not selected within the member's initial
				  enrollment period may be added only during the next enrollment period. Members
				  who waive or do not select supplemental life insurance coverage shall be
				  required to obtain approval of current evidence of insurability to obtain
				  coverage at a later date. Coverage obtained under this provision will be
				  subject to certain additional restrictions as adopted by EGID. Individuals who
				  waived this coverage because they were covered by other group life insurance
				  coverage will be allowed to enroll without being subject to these additional
				  restrictions if they request the coverage in writing and supply proof of the
				  loss of other group coverage within thirty [30] days following the loss of the
				  other group life coverage.
(c)
Changes in levels of coverage.
Increases or reductions in coverage
				  limits (except termination of coverage) are only accepted during the option
				  period. Beneficiary changes may be made at any time, but must be communicated
				  to EGID in writing. All changes in coverage levels will be subject to the
				  benefit administration procedures or guidelines as adopted by EGID.
(d)
Waiver of life insurance
				  premiums.
In the event the employee becomes disabled, life insurance
				  premiums may be waived for employee and dependent life insurance coverage.
				  Provider certification shall be required, as specified by EGID, and premium
				  waiver shall start on the first [1 
				  st ] day of the month after the
				  employee has been disabled for thirty [30] consecutive days, and shall continue
				  for as long as the employee remains disabled. The waiver shall terminate on the
				  earliest of the following events: the employee has been found to be able to
				  return to current duty in any capacity by any provider; the employee returns to
				  any active duty for any period of time; the employee changes in status to
				  former or retired; the employee notifies EGID in writing that life insurance
				  coverage is to be terminated; the employee is terminated for any reason,
				  including, but not limited to resignation or discharge from his or her
				  position; any termination of life insurance coverage occurs as set forth in
				  260:50-3-26.
(e)
Accidental
				  Death and Dismemberment and loss of sight benefit.
The basic term life
				  and the first twenty thousand dollars [$20,000] of the supplemental life
				  coverage includes the accidental death and dismemberment and loss of sight
				  benefit and will pay a scheduled benefit in the event of accidental death and
				  dismemberment or loss of sight injury within ninety [90] days after the date of
				  accident or accidental injury. Death must be a direct result of the accidental
				  bodily injury independent of all other causes.