Survivor Benefits

Basic Life and AD&D coverage is provided through Reliance Matrix, and voluntary employee, spouse, and child life and AD&D options include monthly premium tables.

Survivor Benefits

Coverages

Coverage	Amount	Who Pays	Benefits Payable	Maximum Benefit	EOI Required
Basic Employee Life/AD&D	2x annual base pay	Lhoist North America	If you die, lose a limb, or suffer paralysis in an accident while covered under the Plan.	2x annual base pay to a maximum of $1,500,000	No
Voluntary Employee Life	1 to 4 times your annual base pay	This coverage is available to you on a voluntary basis. You pay full cost.	If you die while covered under the Plan.	$1,500,000 combined with your Basic Term Life coverage amount.	Yes - Amounts over $300,000
Voluntary Spouse Life	$20,000, $50,000 or $75,000	This coverage is available to you on a voluntary basis. You pay full cost.	If your spouse dies while covered under the Plan.	$75,000, not to exceed 100% of your combined Optional Term. You must elect at least 1x covered earnings for yourself to purchase coverage for your spouse.	Yes - coverage amounts over $20,000
Voluntary Child Life	$10,000	This coverage is available to you on a voluntary basis. You pay full cost.	If your child dies while covered under the Plan.	$10,000. You must elect at least 1x covered earnings for yourself to purchase coverage for your dependents.	No
Voluntary Employee AD&D	1 - 4x annual base pay	This coverage is available to you on a voluntary basis. You pay full cost.	If you die, lose a limb, or suffer from paralysis in an accident while covered under the Plan.	$1,500,000 combined with your Basic AD&D amount.	No
Voluntary Spouse AD&D	$20,000, $50,000 or $75,000	This coverage is available to you on a voluntary basis. You pay full cost.	If your spouse dies, loses a limb, or suffers from paralysis in an accident while covered under the Plan.	$75,000	No
Voluntary Child AD&D	$10,000	This coverage is available to you on a voluntary basis. You pay full cost.	If your child dies, loses a limb, or suffers from paralysis in an accident while covered under the Plan.	$10,000	No

Basic Employee Life/AD&D

Amount: 2x annual base pay
Who Pays: Lhoist North America
Benefits Payable: If you die, lose a limb, or suffer paralysis in an accident while covered under the Plan.
Maximum Benefit: 2x annual base pay to a maximum of $1,500,000
EOI Required: No

Voluntary Employee Life

Amount: 1 to 4 times your annual base pay
Who Pays: This coverage is available to you on a voluntary basis. You pay full cost.
Benefits Payable: If you die while covered under the Plan.
Maximum Benefit: $1,500,000 combined with your Basic Term Life coverage amount.
EOI Required: Yes - Amounts over $300,000

Voluntary Spouse Life

Amount: $20,000, $50,000 or $75,000
Who Pays: This coverage is available to you on a voluntary basis. You pay full cost.
Benefits Payable: If your spouse dies while covered under the Plan.
Maximum Benefit: $75,000, not to exceed 100% of your combined Optional Term. You must elect at least 1x covered earnings for yourself to purchase coverage for your spouse.
EOI Required: Yes - coverage amounts over $20,000

Voluntary Child Life

Amount: $10,000
Who Pays: This coverage is available to you on a voluntary basis. You pay full cost.
Benefits Payable: If your child dies while covered under the Plan.
Maximum Benefit: $10,000. You must elect at least 1x covered earnings for yourself to purchase coverage for your dependents.
EOI Required: No

Voluntary Employee AD&D

Amount: 1 - 4x annual base pay
Who Pays: This coverage is available to you on a voluntary basis. You pay full cost.
Benefits Payable: If you die, lose a limb, or suffer from paralysis in an accident while covered under the Plan.
Maximum Benefit: $1,500,000 combined with your Basic AD&D amount.
EOI Required: No

Voluntary Spouse AD&D

Amount: $20,000, $50,000 or $75,000
Who Pays: This coverage is available to you on a voluntary basis. You pay full cost.
Benefits Payable: If your spouse dies, loses a limb, or suffers from paralysis in an accident while covered under the Plan.
Maximum Benefit: $75,000
EOI Required: No

Voluntary Child AD&D

Amount: $10,000
Who Pays: This coverage is available to you on a voluntary basis. You pay full cost.
Benefits Payable: If your child dies, loses a limb, or suffers from paralysis in an accident while covered under the Plan.
Maximum Benefit: $10,000
EOI Required: No

VOLUNTARY EMPLOYEE LIFE INSURANCE PREMIUM RATES / $1,000 (MONTHLY)

	EMPLOYEE
0-29	$0.070
30-34	$0.080
35-39	$0.097
40-44	$0.150
45-49	$0.246
50-54	$0.414
55-59	$0.642
60-64	$1.000
65-69	$1.808
70+	$2.060

0-29

EMPLOYEE: $0.070

30-34

EMPLOYEE: $0.080

35-39

EMPLOYEE: $0.097

40-44

EMPLOYEE: $0.150

45-49

EMPLOYEE: $0.246

50-54

EMPLOYEE: $0.414

55-59

EMPLOYEE: $0.642

60-64

EMPLOYEE: $1.000

65-69

EMPLOYEE: $1.808

70+

EMPLOYEE: $2.060

VOLUNTARY SPOUSE LIFE INSURANCE PREMIUM RATES / MONTH

	SPOUSE RATE
$20,000	$3.016
$50,000	$8.880
$75,000	$13.320

$20,000

SPOUSE RATE: $3.016

$50,000

SPOUSE RATE: $8.880

$75,000

SPOUSE RATE: $13.320

VOLUNTARY AD&D INSURANCE PREMIUM RATES / $1,000 (MONTHLY)

	Rate
Monthly premium rate	$0.048

Monthly premium rate

Rate: $0.048

VOLUNTARY CHILD LIFE INSURANCE PREMIUM RATES / $10,000 (MONTHLY)

	Rate
Monthly premium rate	$1.128

Monthly premium rate

Rate: $1.128