Benefits at a Glance

Employees have the option of selecting additional Life and AD&D coverage. Employees can choose one (1) to five (5) times earnings. Coverage is designed to protect you while you are an employee. If you retire or your employment ends, the coverage can be ported.

Rates

Age
Biweekly Deduction
Per $1,000 of Coverage
under 29
$0.053
30 – 34
$0.056
35 – 39
$0.071
40 – 44
$0.096
45 – 49
$0.148
50 – 54
$0.226
55 – 59
$0.343
60 – 64
$0.482
65 – 69
$0.834
70 and older
$1.028

To calculate your Bi-Weekly payroll deduction costs, round your annual salary up to the next higher $1,000 increment, divide by 1,000 and multiply the results by the below rate corresponding to your attained age as of January 1st.

Example: Age 41 with salary of $23,500 ($24,000 / 1,000 = 24 X $.0964 = $2.31)

Payroll deduction will be adjusted due to salary change and age in January of each year.

Options

Employees have the option of selecting additional Life and AD&D coverage. Employees can choose one (1) to five (5) times earnings.

Age Reductions

Personal Life and AD&D Insurance will be reduced as follows:
– At age 70, benefits will reduce by 35% of the original amount;
– At age 75, benefits will reduce an additional 15% of the original amount.
Benefits will terminate when you retire.

Evidence of Insurability

Employees who enroll when first eligible can apply for one (1) to three (3) times earnings- not to exceed $250,000.

Any amount over three (3) times earnings, exceeding $250,000 will be subject to Evidence of Insurability.

Employees during annual enrollment can increase one (1) increment without EOI as long as the amount does not exceed 3x or $250,000. This provision applies to employees that have not been previously declined.

Certificate of Coverage

This plan is provided by OneAmerica.

  • 1 x salary buy-up
  • 2x salary buy-up
  • 3x salary buy-up
  • 4x salary buy-up
  • 5x salary buy-up

Claims

There are 5 ways to file a life claim. Any life claim must be initiated by the Employer.

  1. Fax Claim Form to 317-285-7666
  2. Email: lifeclaims.employeebenefits@oneamerica.com
  3. Mail Forms:
    Employee Benefits Life Claims Department
    American United Life Insurance Company
    PO Box 7106
    Indianapolis, IN 46207-7136
  4. Overnight:
    Employee Benefits Life Claims Department
    American United Life Insurance Company
    250 W. North Street
    Indianapolis, IN 46207-7136
  5. Online

Contact

Please call 1-800-553-5318 if you have policy questions.

Claims contacts: lifeclaims.employeebenefits@oneamerica.com

  • Toll-free: 1-800-553-3522
  • Phone: (317) 285-5002
  • Fax: (317) 285-7663