Tri-State Plan SPD >> Life Insurance Benefits

• Benefit Amount
• Naming a Beneficiary
• Life Insurance Disability Extension
• When Coverage Ends

Benefit Amount

Your life insurance coverage, which is administered by MetLife, is $10,000 for Tri-State Plan participants. Life Insurance benefits are payable to your beneficiary if you die while coverage is in effect.

Naming a Beneficiary

Your beneficiary will be the person or persons you name in writing on a form that is kept on file at MetLife. Your beneficiary can be anyone you choose, and you can change your beneficiary designation at any time by completing and submitting a new form to MetLife.

If you do not name a beneficiary, or if your beneficiary dies before you and you have not named a new beneficiary, your life insurance benefit will be payable in the following order:

1) your wife or husband, if living
2) your living children, equally
3) your living parents, equally, and
4) if none of the above, to your estate.

The Plan does not pay life insurance benefits to a designated beneficiary who is involved in any way in the purposeful death of the participant.

Life Insurance Disability Extension

If you are disabled and receiving statutory short-term disability or Workers' Compensation benefits, your life insurance will continue for six months from the date of disability, or until your disability ends, whichever happens first. If you are eligible for a Disability Pension under the Building Service 32BJ Pension Fund, your life insurance will continue until your disability ends or you reach age 65, whichever happens first. For as long as this extended coverage lasts, your benefit level will be frozen at the level in effect at the time you became disabled.

You must submit proof of your disability within nine months of the date you became disabled. If you first apply for benefits after this nine-month period, it will be presumed that your disability did not commence while you were working in covered employment, unless you can provide the Fund with clear and convincing evidence otherwise. If you die before you submit proof of your disability, your beneficiary must submit proof of death and total disability within 90 days after your death.

Notice of approval or denial of benefits will be sent to your designated beneficiary in writing (see the "Claims and Appeals Procedures" section for information on appealing a denied claim).

While your extended life insurance coverage is in effect, the Fund may require you to be examined periodically by one or more Fund-selected doctors to confirm your continued disability. The Board or its designee has the sole and absolute discretion to make all determinations of disability.

When Coverage Ends

Life insurance coverage ends 30 days after your covered employment ends, except as provided above. See the "Other Health Plan Information: Converting to Individual Coverage" section for information about converting your group life insurance to an individual life insurance policy.