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Life and Accident

The life and accident insurance plans provide you with basic life and accident insurance paid for by Clarity Credit Union. In addition, optional life, dependent life and accidental death and dismemberment (AD&D) insurance coverage is available at group rates. The life and accident plans are insured by Lincoln Financial Group.

Basic Life and AD&D

You are automatically enrolled in basic life and AD&D insurance on the first day of the month following your date of hire. Your basic life is equal to one times your annual base pay rounded to the next higher multiple of $1,000. The maximum amount of basic life insurance is $100,000. Your basic AD&D amount is equal to 100% of your basic life coverage.

Optional Life and AD&D – Employee

Optional life insurance is available in the amounts of $10,000 - $500,000 (increments of $10,000).

• If you enroll for coverage and your enrollment is received within your initial eligibility period, your coverage amount for optional life insurance of up to $50,000 will be effective on the first day of the month following your date of hire.
• If your enrollment in optional life insurance results in over $50,000 of coverage, you will be required to provide evidence of insurability satisfactory to the insurance company before coverage in excess of $50,000 will become effective.
• If you do not enroll for optional life during your initial eligibility period you may only enroll during the next Open Enrollment period or within 30 days of a qualifying event. 

You are automatically enrolled in optional AD&D coverage equal to 100% of your optional life coverage.

You should also keep in mind that if you enroll or increase coverage after your initial eligibility period (including during the Open Enrollment period), you will be required to provide evidence of insurability satisfactory to the insurance company before the new or increased coverage will become effective.

Dependent Life and AD&D – Spouse/Domestic Partner

If you enroll for optional life insurance, you are eligible to enroll your spouse/domestic partner for dependent life insurance in amounts of $5,000 - $100,000 (increments of $5,000). However, spouse/domestic partner coverage may not exceed 50% of your optional life insurance coverage.

• If you enroll for dependent life insurance for your spouse/domestic partner and your enrollment is received within your initial eligibility period, your coverage amount for dependent life insurance of up to $25,000 will be effective on the first day of the month following your date of hire.
• If your enrollment in dependent life insurance for your spouse/domestic partner results in over $25,000 of coverage, your spouse/domestic partner will be required to provide evidence of insurability satisfactory to the insurance company before coverage in excess of $25,000 will become effective.
• If you do not enroll for dependent life during your initial eligibility period, you may only enroll during the next Open Enrollment period or within 30 days of a qualifying event.

Your spouse/domestic partner is automatically enrolled in dependent AD&D equal to 100% of their dependent life coverage.

You should also keep in mind that if you enroll or increase coverage after your initial eligibility period (including during the Open Enrollment period), your spouse/domestic partner will be required to provide evidence of insurability satisfactory to the insurance company before the new or increased coverage will become effective.

Dependent Life and AD&D – Children

If you enroll for optional life insurance, you are eligible to enroll your child(ren) for dependent child life insurance in amounts of $1,000; $2,000; $4,000; $5,000 or $10,000*. If you enroll one child, all eligible children are covered.

* Coverage for a child from 15 days to 6 months is limited to $100.

• If you enroll for dependent life insurance for your children and your enrollment is received within your initial eligibility period, your coverage amount for insurance of up to $10,000 will be effective on the first day of the month following your date of hire.
• If you do not enroll for dependent life insurance for your children during your initial eligibility period, you may enroll for coverage during the next Open Enrollment period or within 30 days of a qualifying event. (Evidence of insurability is not required for dependent children.)

Your dependent children are automatically enrolled in dependent child AD&D equal to 100% of their dependent child life coverage.

Your Cost

Clarity Credit Union pays the full cost of basic life and basic AD&D insurance. You pay the full cost of any optional life and AD&D insurance and dependent life and AD&D insurance. Your cost is deducted from your pay on an after-tax basis. Refer to Employee Contributions for the applicable cost.