2. LIFE INSURANCE

3. Who is eligible? Lets find out!

4. Eligibility Criteria Regular full time/ part time NAF civilian employee Scheduled to work at least 20 hours per week US citizen or permanent resident alien employed in the United States (Overseas employees: the employee must be employed on the U.S. payroll, have a Social Security Number or Individual Tax Identification Number (TIN), and are subject to US Income Tax. Not subject to a Status of Forces Agreement provision that precludes eligibility.) 31 day window (from date of hire or status change) Flexible employees are NOT eligible!

5. Dependent Spouse Eligibility Criteria Employee enrollment in Standard Life is a precondition Legally married Not a benefits eligible MCCS employee enrolled in Standard Life themselves Covered as long as employee is covered and meet criteria Employee enrollment is a precondition An active employee enrolled in Standard Life may not be covered by another employee under Dependent Life.

6. Dependent Children Eligibility Criteria Legal dependent children (birth or adoption) Unmarried under age 19 or Unmarried under age 23 if full time student Employee must verify status annually with UniCare 23 and over if permanently disabled Evidence of Dependent Disability required Covered as long as employee is covered and meet criteria Age 26 does not apply to Life Insurance

7. How do I process a Late Life Enrollment?

8. Late Enrollment To obtain approval after eligibility period Employee Coverage: complete a GA17 Form (Personal Health Statement for Employee) Dependent Coverage: complete GA19 Form (Personal Health Statement for Dependent) Human Resource Office mails form(s) directly to Unicare If denied, employee must contact Unicare for reason If approved, UniCare will notify the activity directly Within 10 days: Complete new MCCS 499 form and enroll in PeopleSoft DO NOT FILL OUT 499 or KEY UNTIL APPROVAL RECEIVED

9. Life Insurance Volume Plan NameVolume of Coverage Standard Life and AD/D Annual Salary (rounded up) + $2,000* Supplemental LifeStandard Life Volume x 2 Supplemental Life Opt 2Standard Life Volume x 3 *Use the 2011 Std Life Rates Sheet to determine premiums Volume x 0.0113%= Standard premium Volume x 0.00904%= Camp Lejeune premium

10. Changes in Volume Life volume will increase or decrease as the salary changes Premiums change as volume changes Optional Life changes based on age

11. Dependent Life Insurance Volume *Family Unit= all enrolled children and spouse Optional LayersVolume (Spouse) Volume (per Child) Premium (per family unit*) Optional Dependent #1 $5,000$2,500$2.80 Optional Dependent #2 $10,000$5,000$4.75 Optional Dependent #3 $15,000$7,500$6.42 Optional Dependent #4 $20,000$10,000$8.08

12. Optional Life 1 Premiums AgeRate Under 30.027 30 - 34.037 35 - 39.041 40 - 44.046 45 - 49.074 50 - 54.148 55 - 59.240 60 - 64.305 65 - 69.586 70 - 74.950 75 - 791.172 80 - 841.878 85 - 991.878 Volume of Coverage = $$$ $$$ x rate = Bi-weekly Premium Example: Jen is hired at 41,539.00 annually. She is 40 years young. Calculate Jen’s optional life premium: Volume of coverage $44,000.00 44 x.046 = $2.02/ bi-weekly

13. Example: Calculate Jen’s optional life 2 premium : Volume of coverage $44,000 44 x.092 = $4.05/bi-weekly Age Opt Life 1 Rate Opt Life 2 Rate Under 30.0270.054 30 - 34.0370.074 35 - 39.0410.082 40 - 44.0460.092 45 - 49.0740.148 50 - 54.1480.296 55 - 59.2400.480 60 - 64.3050.610 65 - 69.5861.172 70 - 74.9501.900 75 - 791.1722.344 80 - 841.8783.756 85 - 991.8783.756 Optional Life 2 Premiums Coverage Volume = $$$ Opt Life 1 Rate x 2 = Opt Life 2 Rate $$$ x Opt Life 2 Rate = Bi-weekly Premium

14. ACCELERATED LIFE BENEFIT

15. Accelerated Life Benefit Benefit for terminally ill employees Life expectancy of 12 months or less Can request up to 50% of life volume Request can be made only once (in writing) Completion of appropriate forms Contact MRG Benefits for forms (Lisa Edenton) Employee completes UniCare form GA6224 Physician completes UniCare form GA6223 Reduces amount of insurance at time of death

16. How do I file an employee life insurance claim?

17. Filing Employee Life Insurance Claims Beneficiary contacts local HR Office Verify SSN & record the date of death (DOD) Verify address of beneficiary (from 499 Form) Complete section 1 of the Unicare U-2114 Form & mail to beneficiary More than 1 beneficiary- make copies of original & mail to each Beneficiary Completes & Returns Paperwork Completes section 2 of U-2114 Provide CERTIFIED copy of the death certificate Mail completed U-2114, Group Policyholder statement, death certificate, and copies of all 499s to MRG Benefits for processing Enter DOD in PeopleSoft Terminate in Job Data as indicated in modules

18. Filing Employee Claim (example)

19. Filing Employee Claim (example cont.) 04/15/201104/28/2011 28,000.00 56,000.00

20. How do I file a dependent life insurance claim?

21. Filing Dependent Life Insurance Claims Employee contacts local HR Office Verify SSN & record the date of death (DOD) Complete section 1 & 2 of the Unicare U-2114 Form & give to employee Employee Completes & Returns Paperwork Complete page 2 of the U-2114 Provide CERTIFIED copy of the death certificate Complete new 499 Form Mail completed GA617, death certificate, and copies of all 499s to MRG Benefits for processing Enter DOD in PeopleSoft and update/terminate insurances as necessary

22. Filing Dependent Claim (example) $5,000.00

23. Continuation after Termination Termination of employment Employee may request to convert to individual coverage Basic, Supplemental and Dependent Life Provide employee Unicare form GA22 Employee mails form to Unicare Unicare will notify employee directly of approval or disapproval

24. Retiree Eligibility Continuation Requirements: 15 cumulative years of participation in plan Enrolled at the time of retirement Request continuation at time of retirement AD&D does not apply to retirees. Premiums deducted from monthly annuity Volume will decrease at the rate of 25% (of initial volume) at ages 66, 67 and 68. All retiree death claims should be directed to MRG Benefits for processing

25. Claims/Erroneous Enrollment Claims could be denied Could pay out premiums only Command may have to fund