州立鲍灵格林大学通过明尼苏达人寿提供人寿保险福利, also known as Securian Life.

Life Insurance Certificate Booklet

Financial Security

Forecasting future financial needs can be most challenging. Whether you are trying to ensure that
your family is provided for in the event that the unexpected happens, or you are attempting to build for
在你退休的时候，了解你在BGSU可以得到什么是很重要的.

Basic Life Insurance

明尼苏达州立大学通过明尼苏达人寿保险公司提供基本人寿保险，包括意外死亡和
dismemberment benefit to all full-time faculty, administrative and classified staff.

基本人寿保险金额是基本年薪的1.5倍，四舍五入到下一个1美元,000 with a minimum of $50,000 and a maximum of $125,000 in coverage.

美国国税局(IRS)要求雇员按雇主支付的价值纳税
group life insurance coverage exceeding $50,000, which is known as “imputed income.” This
意思是，对于每年超过5万美元的人寿保险，你所欠的税
在年终W-2表格的第12栏中向国税局报告超过50,000美元的保险金额.
税收是根据你在日历年最后一天的年龄和遗嘱的年龄等级来计算的
increase in five-year increments as you grow older.

Optional Life Insurance for You

作为新员工，您可以在入职之日起30天内加入可选人寿保险.  The coverage is effective the first day of the month following your hire date.  During Open Enrollment，雇员有机会选择或增加可选人寿保险的金额.

You can enroll up to 5 times your annualized earnings, not to exceed $300,000. (Annualized salary is
你9月1日的基本工资，不包括津贴或其他收入
paid.)

If you do not currently have optional life coverage and wish to enroll, you will be required to provide
evidence of insurability.

如果你目前有可选择的人寿保险，你将能够增加一个级别，没有
提供可保性的证据，只要水平不超过保证金额
based on your age or salary. If your elected amount is above the guaranteed issue amount, you will
be directed to submit evidence of insurability.

Evidence of Insurability

Evidence of Insurability, commonly referred to as EOI, requires you as the faculty, administrative or
分类工作人员提供更多的信息，以便为明尼苏达人寿(可选择的生活)
insurance) to determine acceptance for insurance. If you are required to submit an EOI, 你必须填妥适当的表格，并在…之前提交给人力资源办公室 Open Enrollment deadline.

Age Reduction Clause: The amount of employees’ basic life insurance and accidental death and
肢解保险的承保范围有一个年龄减少的规定，导致雇员的
coverage reducing by 50% when he or she reaches age 70. For example, if your life insurance
保额是50,000美元，支付给你方受益人的金额是保额的一半
(half of $50,000 = $25,000).

Dependent Life Insurance for your spouse and child(ren)

BGSU在自愿的基础上为您的家属提供人寿保险，作为新员工和/或在工作期间
annual Open Enrollment. This coverage is designed to help ease the economic consequences in the
event of a dependent’s fatal illness or sudden death. During Open Enrollment, if you do not currently
有受抚养人人寿保险并希望参加，你的受抚养人需要提供什么
evidence of insurability. The coverage amounts of the policy are as follows:

• Spouse - $10,000
• Child age 15 days to 6 months - $500
• Child age 6 months to age 21 - $5,000.

The monthly cost is $2 regardless of the number of dependents. Your per-pay-period amount will
show on your online enrollment.

If you are not currently enrolled, and elect coverage during Open Enrollment, in order to be approved
by Minnesota Life, 您需要为您希望投保的每个受抚养人提交可保性证明.

Once your child reaches 21 years of age, 你有责任通知人力资源办公室将你的孩子从保险范围中删除.

Portability and Conversion for Life Insurance Coverage at Termination 

您有权为您的人寿保险选择明尼苏达人寿/安全人寿的续保. If elect to continue your life insurance coverage upon termination from BGSU, 选择必须在终止之日起30天内进行，以便转换您当前的人寿保险单. 如欲了解更多信息，请致电1-866-365-2374与明尼苏达人寿/安全人寿联系.

Portability and Conversion Information

Take advantage of your LifeStyle Benefits

以下项目和资源适用于所有在明尼苏达州投保的员工
人寿/安全金融集团人寿保险计划，其配偶和受抚养子女. No additional premium or
enrollment is required. Just access these resources as you need them.

• Legal Services –  Legal, financial and grief resources are available through LifeWorks US, Inc.  To access, use the user name: lfg and password: resources, or call 1-877-849-6034.
• Legacy Planning Services – Active covered employees, spouses and dependents can access
  资源旨在帮助个人和家庭在处理临终问题时工作
  the loss of a loved one or planning for their own passing. 
  
• Beneficiary Financial Counseling – Beneficiaries who receive at least $25,000 in policy benefits
  可以选择使用普华永道会计师事务所的独立受益人咨询服务吗.
• Travel Assistance Services (For Personal Travel & Domestic Work Travel) - Redpoint provides travel assistance services to all active U.S. 受团体人寿保险计划保障的雇员及其配偶和家属.  该服务提供全天候服务，为离家100英里或更远的人提供紧急援助和运输服务.  Visit the Redpoint website or call 1-855-516-5433 in the U.S. and Canada.  From other locations, you can call collect to +1-415-484-4677.  
  • For international work travel, please see the information in the BGSU Risk Management website.   

州立鲍灵格林大学长期残疾计划由UNUM管理.

Long-Term Disability

这一福利的目的是提供你的收入的一部分，当长期受伤或疾病已经发生，并阻止你的工作. 福利金的数额是根据你残疾前的工资计算的.

The program has a waiting period of one year of continuous active employment. 消除期指的是福利开始之前的时间，是福利日的较晚时间

• 180 days or
• the date your accumulated sick leave payments end if applicable.

If you did not elect this option during the last Open Enrollment or upon hire, you can do so during the annual Open Enrollment period. 但是，为了被Unum考虑，您需要提交可保性证明.  此表格必须在网上填写，并在公开注册截止日期前直接提交给UNUM.   

Full-Time Faculty and Administrative Staff:

Full-Time bargaining unit faculty, faculty administrators and administrative staff are provided this benefit. The benefit is 60% of your monthly salary, not to exceed $3,000 a month.

• Administrative Staff & Faculty Plan Summary

Full-Time Classified Staff:

Full-Time classified staff may purchase this benefit. The benefit is 60% of your monthly salary, not to exceed $5,000 a month.

• Classified Staff Plan Summary

州立鲍灵格林大学为所有在职的全职和兼职员工提供商务旅行意外保险. 本保单为符合条件的员工提供意外保险，而在博天堂官方网站的业务旅行，离开你的正常工作地点的时间不超过365天. Some exclusions do apply.

Covered employees have the right to designate a beneficiary.  Beneficiaries must be in writing, 在州立鲍灵格林大学人力资源部存档，并将在索赔时提供给保险公司.  A beneficiary designation may be changed at any time. If no beneficiary is designated, 这些符合条件的雇员的团体人寿保险单的受益人指定将被遵循. In the absence of other designation, 赔偿金将按照商务旅行事故保险范围确定的顺序支付.

本信息摘要不能取代或取代任何条件, exclusions, and other terms of the insurance policy herein summarized.  It is merely a short descriptive guide to the policies in force for a reference. The official policy plan document will be followed at the time of claim.

For beneficiary designation, please complete the Business Travel Accident Beneficiary Designation Form and submit it to the Office of Human Resources.