PPM Section 14 - Insurance Plans: Life Insurance
PPM Section 14 - Insurance plans: life insurance
Life insurance policies and procedure
Policies and procedures are located in the Employee Handbook. Also see the Life Insurance Web page. Additional policies and procedure follows:
Life insurance continuation
Life insurance may be continued under a number of circumstances. Please review the summaries below and contact Human Resources with specific questions.
Continuation during approved paid leave of absence
Coverage and premiums continue without interruption.
Continuation during approved non-paid leave of absence
Life insurance may be
continued at the employee's expense, at the University's group rates, until the employee
returns to active payroll, or until his/her employment at WMU is terminated.
If an employee on an approved leave of absence returns to active payroll following the
leave of absence, all group insurance, including life insurance, may be reinstated.
Continuation during Workers' Compensation leave of absence
See Workers' Compensation—Group Insurance.
Continuation during Family and Medical Leave of absence
See FMLA—Benefits and Seniority.
Continuation during layoff
See Reduction in Force—Group Health and Life Insurance.
Continuation during an unpaid disciplinary suspension
Life insurance may be continued at the employee's expense, at the University's group rates, until the employee returns to active payroll, or until his/her employment at WMU is terminated.
Continuation after termination
If the employee wishes to maintain the policy after termination, the employee may elect to convert his/her group life insurance to individual policies through the University's life insurance carrier (see following provision).
Conversion of group life insurance to individual policies
Policy is located in the Employee Handbook.
Procedure
If an event occurs that makes an employee eligible to convert his/her group life insurance to individual policies, the employee should contact Human Resources to obtain the appropriate forms and instructions. Employees have thirty-one (31) days from the date of the event to submit the appropriate forms and initial premium.