Group Term Life, Long Term Disability (LTD) and Accidental Death and Dismemberment (AD&D) Plans

Basic Life	Supplemental Life and AD&D	Dependent Life and AD&D	Employee Programs & Forms
Life Insurance Plan Highlights Employee life and accidental death and dismemberment benefits are provided by Lincoln Financial. Basic Life & ADD Summary Basic life and accidental death and dismemberment coverage are provided at no cost to employees. The value of basic life is one time the employee's annual salary, rounded to the next $1,000. Value of employer provided, basic life insurance above $50,000 is taxed as "imputed income". You will see this amount on your pay stub as "GTL". The policies offered by AUI are "Term" life policies. They have no cash value. Conversion of life insurance is available upon termination. Ask HR for details. Beneficiary Designations If you have a life event, be sure to check your assigned beneficiaries for basic and supplemental life coverage. In the event of a claim the insurance carrier will provide benefits to whoever is listed on your most recent enrollment/change form. If you are unsure who your beneficiary is contact Sarah Arnold. Life & AD&D Policy Numbers Life Certificate SA3-850-292265-01 Age Based Reductions When you are age 65 or older, your Life Insurance Benefit (Basic and Supplemental) will reduce to the percentage shown below: 67% of the Benefit at age 65 45% of the Benefit at age 70 30% of the Benefit at age 75 20% of the Benefit at age 80 This reduction happens immediately after your birthday when you turn one of the qualifying ages.	Supplemental Life Insurance In addition to the Basic Life Insurance coverage provided by AUI/NRAO, supplemental life insurance coverage is also offered. Optional Life & ADD Summary Coverage is available in increments of up to five times your annual salary rounded to the next $1,000. If you elect supplemental life insurance, you are automatically enrolled in the complimentary amount of accidental death and dismemberment insurance. Any amount over three times your salary requires medical underwriting. Guaranteed Issue Guaranteed Issue is the term used to indicate no medical underwriting is necessary for coverage. If elected at the time of hire, there is no need for medical underwriting. Additions to employee coverage after hire will always require medical underwriting. Evidence of Insurability New hires are eligible to elect up to 3x Supplemental Life Insurance. Anything above 3x requires medical underwriting. To complete EOI online, please visit www.mylincolnportal.com and use code AUILTD. New User Registration Guide Premiums (24 out of 26 payrolls) Premiums are post-tax and 100% employee funded. Rates are based on your age on January 1st of the current year. Accidental Death and Dismemberment (AD&D) coverage is included in the premium. If you have a tier change during the calendar year, it will go into effect on January 1st of the next year. Rates are based on units of $1,000. Under Age 25 $.0240 Age 25 – 29 $.0255 Age 30 - 34 $.0240 Age 35 - 39 $.0335 Age 40 - 44 $.0480 Age 45 - 49 $.0715 Age 50 - 54 $.1095 Age 55 - 59 $.1985 Age 60 - 64 $.2845 Age 65 - 69 $.5655 Age 70 and over $.9790	Spouse and Child Coverage Employees may elect life insurance coverage for their spouse and children if you are enrolled in supplemental life insurance. Spouse Coverage You may choose coverage for your spouse up to 50% of the value of your own supplemental coverage, in increments of $5,000. You cannot elect spouse coverage if you do not have your own supplemental life. Spouse coverage is guaranteed issue to the first $30,000 at time of hire. Any coverage requested above that amount requires medical underwriting. Spouse Insurance Premiums Premiums are post-tax and 100% employee funded. Rates are based on your spouse's age on January 1st of the current year. Accidental Death and Dismemberment (AD&D) coverage is included in the premium. If you have a tier change during the calendar year, it will go into effect on January 1st of the next year. Rates are based on units of $1,000, rounded two decimal places. There are no age based reductions in benefit for spouse life insurance. Premiums (24 out of 26 payrolls) Under Age 25 $.0240 Age 25 – 29 $.0255 Age 30 - 34 $.0240 Age 35 - 39 $.0335 Age 40 - 44 $.0480 Age 45 - 49 $.0715 Age 50 - 54 $.1095 Age 55 - 59 $.1985 Age 60 - 64 $.2845 Age 65 - 69 $.5655 Age 70 and over $.9790 Child Insurance Coverage for dependent children is always guaranteed issue. Children can be covered to age 26 regardless of student status. Coverage is available in increments of $2,000 up to $10,000. $.115 Per $1,000 Life insurance goes through the end of the month in which the reach age 26.	Enrollment/Change form Life-LTD enrollment form Dependent Life enrollment form Employee Programs Will Preparation - Quick and easy, legally binding online will preparation. Funeral Preparation - Lincoln partnered with Funeral Decisions Co. to provide assistance during the funeral planning process. EAP Benefits Lincoln also offers EAP services as part of their program to assist members with questions, resources, and guidance. In addition, EAP has legal guidance which includes 30 minute consultations per legal issue with a lawyer. For more information, please see below.

Basic Life

Supplemental Life and AD&D

Dependent Life and AD&D

Employee Programs & Forms

Life Insurance Plan Highlights

Employee life and accidental death and dismemberment benefits are provided by Lincoln Financial.

Basic Life & ADD Summary
Basic life and accidental death and dismemberment coverage are provided at no cost to employees. The value of basic life is one time the employee's annual salary, rounded to the next $1,000.
Value of employer provided, basic life insurance above $50,000 is taxed as "imputed income". You will see this amount on your pay stub as "GTL".
The policies offered by AUI are "Term" life policies. They have no cash value.
Conversion of life insurance is available upon termination. Ask HR for details.

Beneficiary Designations

If you have a life event, be sure to check your assigned beneficiaries for basic and supplemental life coverage. In the event of a claim the insurance carrier will provide benefits to whoever is listed on your most recent enrollment/change form. If you are unsure who your beneficiary is contact Sarah Arnold.

Life & AD&D Policy Numbers

Life Certificate
SA3-850-292265-01

Age Based Reductions

When you are age 65 or older, your Life Insurance Benefit (Basic and Supplemental) will reduce to the percentage shown below:

67% of the Benefit at age 65

45% of the Benefit at age 70

30% of the Benefit at age 75

20% of the Benefit at age 80

This reduction happens immediately after your birthday when you turn one of the qualifying ages.

Supplemental Life Insurance

In addition to the Basic Life Insurance coverage provided by AUI/NRAO, supplemental life insurance coverage is also offered.

Optional Life & ADD Summary

Coverage is available in increments of up to five times your annual salary rounded to the next $1,000.

If you elect supplemental life insurance, you are automatically enrolled in the complimentary amount of accidental death and dismemberment insurance.
Any amount over three times your salary requires medical underwriting.

Guaranteed Issue

Guaranteed Issue is the term used to indicate no medical underwriting is necessary for coverage. If elected at the time of hire, there is no need for medical underwriting.
Additions to employee coverage after hire will always require medical underwriting.

Evidence of Insurability

New hires are eligible to elect up to 3x Supplemental Life Insurance. Anything above 3x requires medical underwriting.

To complete EOI online, please visit www.mylincolnportal.com and use code AUILTD.

New User Registration Guide

Premiums (24 out of 26 payrolls)

Premiums are post-tax and 100% employee funded. Rates are based on your age on January 1st of the current year. Accidental Death and Dismemberment (AD&D) coverage is included in the premium. If you have a tier change during the calendar year, it will go into effect on January 1st of the next year. Rates are based on units of $1,000.

Under Age 25 $.0240

Age 25 – 29 $.0255

Age 30 - 34 $.0240

Age 35 - 39 $.0335

Age 40 - 44 $.0480

Age 45 - 49 $.0715

Age 50 - 54 $.1095

Age 55 - 59 $.1985

Age 60 - 64 $.2845

Age 65 - 69 $.5655

Age 70 and over $.9790

Spouse and Child Coverage

Employees may elect life insurance coverage for their spouse and children if you are enrolled in supplemental life insurance.

Spouse Coverage

You may choose coverage for your spouse up to 50% of the value of your own supplemental coverage, in increments of $5,000. You cannot elect spouse coverage if you do not have your own supplemental life. Spouse coverage is guaranteed issue to the first $30,000 at time of hire. Any coverage requested above that amount requires medical underwriting.

Spouse Insurance Premiums

Premiums are post-tax and 100% employee funded. Rates are based on your spouse's age on January 1st of the current year. Accidental Death and Dismemberment (AD&D) coverage is included in the premium. If you have a tier change during the calendar year, it will go into effect on January 1st of the next year. Rates are based on units of $1,000, rounded two decimal places.

There are no age based reductions in benefit for spouse life insurance.

Premiums (24 out of 26 payrolls)

Under Age 25 $.0240

Age 25 – 29 $.0255

Age 30 - 34 $.0240

Age 35 - 39 $.0335

Age 40 - 44 $.0480

Age 45 - 49 $.0715

Age 50 - 54 $.1095

Age 55 - 59 $.1985

Age 60 - 64 $.2845

Age 65 - 69 $.5655

Age 70 and over $.9790

Child Insurance

Coverage for dependent children is always guaranteed issue. Children can be covered to age 26 regardless of student status. Coverage is available in increments of $2,000 up to $10,000.

$.115 Per $1,000

Life insurance goes through the end of the month in which the reach age 26.

Enrollment/Change form

Life-LTD enrollment form

Dependent Life enrollment form

Employee Programs

Will Preparation - Quick and easy, legally binding online will preparation.

Funeral Preparation - Lincoln partnered with Funeral Decisions Co. to provide assistance during the funeral planning process.

EAP Benefits Lincoln also offers EAP services as part of their program to assist members with questions, resources, and guidance. In addition, EAP has legal guidance which includes 30 minute consultations per legal issue with a lawyer. For more information, please see below.

Long-Term Disability (LTD) Insurance

Plan Info	Summaries & Premiums	Claims & Benefits
LTD Plan Highlights Long-term disability (LTD) insurance provides income protection if you become disabled from an accident or illness for longer than three months of time. (Long-term disability is often confused with long-term care insurance. Long-term care provides coverage for you or your family members if you need skilled home care, or are admitted to a nursing home.) As an AUI employee, you are enrolled in an LTD insurance plan automatically. If you are approved, the monthly benefit payments provided are equal to 60% of your basic monthly earnings less any benefits received from Long term disability benefits are provided by Lincoln Financial. LTD Policy Numbers Long Term Disability: 50-292265 LTD Certificate LTD Certificate (under 65) LTD Certificate (over 65)	Plan Summaries LTD U65 LTD O65 2024 Long-term Disability Rates For employees under age 65 the premium for long term disability insurance coverage is $0.409 per $100 For employees over age 65 the premium for long term disability insurance coverage is $0.219 per $100	File a Claim If you believe you are eligible for LTD please contact your local HR representative about your FMLA rights and how to proceed. Claim Forms Disability Claim Form Telephonic: 800-713-7384 LTD Benefits Payment & Info If you are approved for LTD, Lincoln will provide 60% of your annualized salary per month in income, up to a maximum of $10,000 per month. This income is not taxed due to the premiums being paid on a post-tax basis, 100% by the employee. In addition, Lincoln will make a retirement contribution to your 401a account on your behalf each month at a rate of 13%. Approved LTD participants can continue to carry AUI medical, dental and vision insurance at their active employee rate. Employees will be required to pay for their premiums through a third party administrator WageWorks. Life insurance continuation is dependent on approval by Lincoln. Life insurance conversion options are available.

Plan Info

Summaries & Premiums

Claims & Benefits

LTD Plan Highlights

Long-term disability (LTD) insurance provides income protection if you become disabled from an accident or illness for longer than three months of time.

(Long-term disability is often confused with long-term care insurance. Long-term care provides coverage for you or your family members if you need skilled home care, or are admitted to a nursing home.)

As an AUI employee, you are enrolled in an LTD insurance plan automatically. If you are approved, the monthly benefit payments provided are equal to 60% of your basic monthly earnings less any benefits received from Long term disability benefits are provided by Lincoln Financial.

LTD Policy Numbers

Long Term Disability: 50-292265

LTD Certificate

LTD Certificate (under 65)

LTD Certificate (over 65)

Plan Summaries

LTD U65

LTD O65

2024 Long-term Disability Rates

For employees under age 65 the premium for long term disability insurance coverage is $0.409 per $100

For employees over age 65 the premium for long term disability insurance coverage is $0.219 per $100

File a Claim

If you believe you are eligible for LTD please contact your local HR representative about your FMLA rights and how to proceed.

Claim Forms

Disability Claim Form

Telephonic:

800-713-7384

LTD Benefits Payment & Info

If you are approved for LTD, Lincoln will provide 60% of your annualized salary per month in income, up to a maximum of $10,000 per month. This income is not taxed due to the premiums being paid on a post-tax basis, 100% by the employee.

In addition, Lincoln will make a retirement contribution to your 401a account on your behalf each month at a rate of 13%.

Approved LTD participants can continue to carry AUI medical, dental and vision insurance at their active employee rate. Employees will be required to pay for their premiums through a third party administrator WageWorks. Life insurance continuation is dependent on approval by Lincoln. Life insurance conversion options are available.

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