LIFE & DISABILITY INSURANCE

Group Life Insurance l Long-Term Disability Insurance l Business Travel Accident Plan l Temporary Disability Insurance

Group Life Insurance

Eligibility l Employee Coverage l Dependent Coverage l Portability l Policy l Calculator

Eligibility

Active employees who are regularly scheduled to work 1300 hours per year (67% time) on the regular payroll are eligible for group life insurance coverage. Eligible employees are automatically enrolled in Basic Life Insurance and Accidental Death and Dismemberment (AD&D) coverage and may purchase additional life insurance coverage on a voluntary basis. Additionally, employees who enroll in optional life insurance coverage for themselves are eligible to purchase optional life insurance for their spouse or same-sex domestic partner and/or their eligible dependent child(ren).

Employee Coverage

Brown University pays the full cost of basic life and AD&D insurance for eligible employees. Your basic life insurance is an amount up to $50,000, depending on your employee group, base salary, and date of hire.

As an eligible employee, you may also purchase optional group term life insurance coverage for yourself in amounts ranging from one to six times your base salary, provided that your combined basic and optional coverage amount does not exceed $1,000,000. Employees pay the full cost of optional coverage based on the amount of coverage elected and their age. In some instances, you may have to complete a Statement of Health Form for the carrier and be approved for coverage.

Rates for the Voluntary Life Insurance coverage are available on pages 28 and 29 of the Benefits Enrollment Decision Guide.

Dependent Coverage

Employees who have elected and been approved, if applicable, for optional life insurance coverage for themselves are eligible to elect optional coverage for their spouse or same-sex domestic partner. You may purchase up to $50,000 of voluntary group term life insurance in increments of $10,000 for your spouse or partner; the amount you pay for the coverage is based on your own age.

Employees who have elected and been approved, if applicable, for optional life insurance coverage for themselves are also eligible to elect optional coverage for their, their spouse's, or their same-sex domestic partner's eligible dependent children. You may purchase $4,000 of voluntary group term life insurance for each of your eligible children.

Conversion and Portability Options

In the event that you separate from service at Brown, your optional life insurance coverage will be fully portable provided it has been in place for 12 months prior to your separation from service. You will also have the option of converting your Employee Basic and Optional Life, and your Dependent Life insurance amounts that were in place at the time of your retirement or termination to an individual life policy. The amounts available for conversion are equal to the amount(s) of group life benefits that ended.

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Long-Term Disability Insurance

Overview l Eligibility l Plan Benefits l Guidelines l Documents l University Policy

Overview

Employees who become disabled while employed at Brown may be placed on a long-term disability (LTD) leave of absence and receive certain benefits under the University's long-term disability insurance plan.

Eligibility

Employees are eligible for coverage under the Brown University long-term disability insurance plan after working at least 67% time (1300 hours per year) for one uninterrupted year. Absence from work on Short-term Leave cannot be counted towards the above time requirement. Eligibility requirements may differ for employees who were covered by a previous employer's LTD plan. Long-term disability insurance benefits start when the employee's physician certifies that the employee has been disabled for at least 180 days.

Long-Term Disability Insurance Benefits

When employees' claims for long-term disability insurance benefits are approved by the University's LTD carrier, the employees receive 60% of their salary (up to $7,500 per month with a minimum of $100 per month). This benefit is offset by any other supplemental income, such as Workers' Compensation, Social Security, etc. In addition, the LTD carrier continues Brown's normal contributions to the employees' retirement accounts plus the employee mandatory 2%, if applicable.

Employees are eligible to continue health and/or dental insurance by paying the appropriate active employee rate for the first six months of an approved long-term disability Leave and the full group-rate premium thereafter. If the employee was disabled under Workers' Compensation, certain additional benefits may be available. Employees may elect to continue voluntary group life insurance during a long-term disability leave by paying the required premiums.

General Guidelines

Long-term disability leave begins after the employee has been out on short-term leave for 26 weeks (six months), during which time the University continues to pay its share of any health, dental, and/or life insurance premiums. Such leaves continue for the duration of the employee's approved long-term disability benefit.

This is a brief summary of information about Long-Term Disability Insurance. Please contact the Benefits Office for further information and consult the Long-Term Disability Insurance contract, which is the binding document.

Plan Documents

Below are helpful documents that will provide you with important information about the Brown University Long-Term Disability Insurance benefit.

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Business Travel Accident Plan

Overview l Eligibility l Documents

Overview

If you are traveling on assignment by or with the authorization of Brown University which requires you to travel outside University-owned property in the City of Providence, with travel costs reimbursed by the University, your Business Travel Accident Plan pays benefits if you are in an accident which results in your death or dismemberment.

Business Travel Accident benefits are payable in addition to any other life insurance benefits.

Coverage starts when you depart from your home, office, or other location, whichever is later, to go on a business trip and continues until you return to your home or office, whichever is sooner.

The University discourages business travel in employee groups larger than five. In the event of multiple deaths for a group larger than 25, the University reserves the right to limit the payable benefit. The current aggregate limit of liability is $10,000,000 per accident.

Eligibility

If you are a regular faculty or staff member who is being paid by the University at the time of your travel, you are covered by Brown’s Business Travel Accident Plan according to the criteria described above. (Regular faculty and staff on unpaid sabbatical or special assignment are also covered if traveling at the request of Brown.) Coverage ends on your last day of employment at Brown University.

Plan Documents

Below are helpful documents that will provide you with important information about the Brown University Business Travel Accident Plan.

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Temporary Disability Insurance

Policy l Dept. of Labor & Training

The State of Rhode Island provides a benefit to many workers who suffer a non-work-related disability. The Temporary Disability Insurance (TDI) program is administered by the State of Rhode Island; the University does not approve or disapprove TDI claims, or determine eligibility for benefits. The link above to the Rhode Island Department of Labor and Training's TDI home page provides a resource for answering questions and obtaining forms.

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