Employee Compensation & Benefits Handbook GLI 01/2020 Page 1 of 22 GROUP LIFE INSURANCE PLANS ELIGIBILITY................................................................................................................................................................ 3 INTRODUCTION ......................................................................................................................................................... 3 GROUP LIFE INSURANCE PLANS ........................................................................................................................... 4 Full-time non-bargaining regular employees, Full-time regular employees represented by UWUA Locals 102, 118, 126, 140, 270, , 304and IBEW Locals 50, 180 (new hires effective 1/1/04) 245, 459 (new hires effective 5/1/06), 1194, 1289 (new hires effective 5/1/05), 777 (new hires effective 1/1/2005), 777S, 2357, and OPEIU Local 19: ....................................................................................................................................................... 4 UWUA Local 180 (employees hired prior to 1/1/04), IBEW Locals 459 (employees hired prior to 5/1/06), 777 (employees prior to 1/1/05) and 1289 (employees hired prior to 5/1/05) .................................................................. 4 Changes in Coverage during the Year ....................................................................................................................... 5 Calculating Your Total Benefit Amount in FirstEnergy plans (Basic + Supplemental) ............................................ 5 COST OF SUPPLEMENTAL COVERAGE ................................................................................................................ 5 Life Insurance Coverage and Working Past Age 65 .................................................................................................. 6 Grandfathered Life Ins. And Working Past Age 65– IBEW Locals 459 & 777, 1289 and UWUA Local 180 ......... 6 FIRSTENERGY LIFE INSURANCE COVERAGE WHILE DISABLED .................................................................. 7 Grandfathered Life Insurance Coverage While Disabled – IBEW Locals, 459, 777, 1289 and UWUA Local 180..7 FIRSTENERGY BASIC LIFE COVERAGE WHEN YOU RETIRE .......................................................................... 8 Group Life Coverage When You Retire – all current employees retiring after 1/1/2013, excluding IBEW Locals 777 and 1289 ............................................................................................................................................................. 8 Grandfathered Life Coverage When You Retire – UWUA Local 180 and IBEW Local 459 .... 8 ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE (AD&D) ........................................................... 8 AD&D Protection - Full-time bargaining and non-bargaining regular employees. ..................... 8 Family AD&D Protection .......................................................................................................................................... 9 Safety Belt Benefit..................................................................................................................................................... 9 The Cost of AD&D Coverage ................................................................................................................................... 9 Enrollment for AD&D Insurance .............................................................................................................................. 9 Changes in AD&D Coverage .................................................................................................................................. 10 Termination of AD&D Coverage ............................................................................................................................ 10 DEPENDENT LIFE INSURANCE ................................................................................................................... 10 Full-time regular bargaining and non-bargaining employees ........................................................... 10 The Cost of Dependent Life Insurance .................................................................................................................... 10 Eligibility and Enrollment for Dependent Life Insurance........................................................................................ 10 Termination of Dependent Life Insurance Coverage ............................................................................................... 11 GENERAL INFORMATION...................................................................................................................................... 12 Beneficiary .............................................................................................................................................................. 12 Payment of Benefits................................................................................................................................................. 12 Accelerated Death Benefit ....................................................................................................................................... 12 Survivor Support Benefit ......................................................................................................................................... 13 Absolute Assignment ............................................................................................................................................... 13 Tax Liability (Imputed Income) .............................................................................................................................. 13 Termination of Group Life Coverage ...................................................................................................................... 14 Conversion Overview .............................................................................................................................................. 14 How to Submit a Claim ........................................................................................................................................... 15 How to Request a Claim Review ............................................................................................................................. 15 CLAIMS AND APPEALS PROCEDURES REGARDING CLAIMS FOR OTHER THAN BENEFITS ................. 16 Initial Claim Decision for Claims Relating to Eligibility and Participation ............................................................ 16 Appeals of Denied Claims ....................................................................................................................................... 17 Legal Claims ............................................................................................................................................................ 18 Source of Benefits ................................................................................................................................................... 18 OTHER FACTS AND INFORMATION .................................................................................................................... 18 Participant’s Rights.................................................................................................................................................. 18 Plan is Not an Employment Contract ...................................................................................................................... 19
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Employee Compensation & Benefits Handbook GROUP LIFE … · 2020-04-23 · Employee Compensation & Benefits Handbook GLI 01/2020 Page 5 of 22 (i.e., new hire) and if the coverage
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Employee Compensation
& Benefits Handbook
GLI 01/2020 Page 1 of 22
GROUP LIFE INSURANCE PLAN S
ELIGIBILITY ................................................................................................................................................................ 3 INTRODUCTION ......................................................................................................................................................... 3 GROUP LIFE INSURANCE PLANS ........................................................................................................................... 4
Ful l- t ime non-barga ining regular employees, Full-time regular employees represented by UWUA
Locals 102, 118, 126, 140, 270, , 304and IBEW Locals 50, 180 (new hires effective 1/1/04) 245, 459 (new hires
effective 5/1/06), 1194, 1289 (new hires effective 5/1/05), 777 (new hires effective 1/1/2005), 777S, 2357, and
OPEIU Local 19: ....................................................................................................................................................... 4 UWUA Local 180 (employees hired prior to 1/1/04), IBEW Locals 459 (employees hired prior to 5/1/06), 777
(employees prior to 1/1/05) and 1289 (employees hired prior to 5/1/05) .................................................................. 4 Changes in Coverage during the Year ....................................................................................................................... 5 Calculating Your Total Benefit Amount in FirstEnergy plans (Basic + Supplemental) ............................................ 5
COST OF SUPPLEMENTAL COVERAGE ................................................................................................................ 5 Life Insurance Coverage and Working Past Age 65 .................................................................................................. 6 Grandfathered Life Ins. And Working Past Age 65– IBEW Locals 459 & 777, 1289 and UWUA Local 180 ......... 6
FIRSTENERGY LIFE INSURANCE COVERAGE WHILE DISABLED .................................................................. 7 Grandfathered Life Insurance Coverage While Disabled – IBEW Locals, 459, 777, 1289 and UWUA Local 180 .. 7
FIRSTENERGY BASIC LIFE COVERAGE WHEN YOU RETIRE .......................................................................... 8 Group Life Coverage When You Retire – all current employees retiring after 1/1/2013, excluding IBEW Locals
777 and 1289 ............................................................................................................................................................. 8 Grandfa thered Li fe Coverage When You Ret ire – UWUA Local 180 and IBEW Local 459 .... 8
ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE (AD&D) ........................................................... 8 AD&D Protect ion - Ful l - t ime barga ining and non -bargain ing regu lar employees. ..................... 8 Family AD&D Protection .......................................................................................................................................... 9 Safety Belt Benefit ..................................................................................................................................................... 9 The Cost of AD&D Coverage ................................................................................................................................... 9 Enrollment for AD&D Insurance .............................................................................................................................. 9 Changes in AD&D Coverage .................................................................................................................................. 10 Termination of AD&D Coverage ............................................................................................................................ 10
DEPENDENT LIFE INSURANCE ................................................................................................................... 10 Ful l- t ime regular bargaining and non -barga ining employees ........................................................... 10 The Cost of Dependent Life Insurance .................................................................................................................... 10 Eligibility and Enrollment for Dependent Life Insurance........................................................................................ 10 Termination of Dependent Life Insurance Coverage ............................................................................................... 11
GENERAL INFORMATION ...................................................................................................................................... 12 Beneficiary .............................................................................................................................................................. 12 Payment of Benefits ................................................................................................................................................. 12 Accelerated Death Benefit ....................................................................................................................................... 12 Survivor Support Benefit ......................................................................................................................................... 13 Absolute Assignment ............................................................................................................................................... 13 Tax Liability (Imputed Income) .............................................................................................................................. 13 Termination of Group Life Coverage ...................................................................................................................... 14 Conversion Overview .............................................................................................................................................. 14 How to Submit a Claim ........................................................................................................................................... 15 How to Request a Claim Review ............................................................................................................................. 15
CLAIMS AND APPEALS PROCEDURES REGARDING CLAIMS FOR OTHER THAN BENEFITS ................. 16 Initial Claim Decision for Claims Relating to Eligibility and Participation ............................................................ 16 Appeals of Denied Claims ....................................................................................................................................... 17 Legal Claims ............................................................................................................................................................ 18 Source of Benefits ................................................................................................................................................... 18
OTHER FACTS AND INFORMATION .................................................................................................................... 18 Participant’s Rights .................................................................................................................................................. 18 Plan is Not an Employment Contract ...................................................................................................................... 19
Employee Compensation
& Benefits Handbook
GLI 01/2020 Page 2 of 22
Right to Amend Plan ............................................................................................................................................... 19 Administration ......................................................................................................................................................... 19 Type of Plan............................................................................................................................................................. 20 Contributions ........................................................................................................................................................... 20 Plan Sponsor ............................................................................................................................................................ 20 Plan Number ............................................................................................................................................................ 20 Agent for Service of Legal Process ......................................................................................................................... 20 Fiscal Year ............................................................................................................................................................... 20 Participating Employers and Identification Numbers .............................................................................................. 20