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Beneficiary support
Losing a loved one is never easy – especially while living abroad. We offer tools and services to support your loved ones
Supplemental dependent life insurance
Losing a dependent can create significant expenses, such as funeral costs, medical bills, or travel for family arrangements. Supplemental dependent coverage helps offset those costs so they don’t become a financial burden. Even if you have savings, this coverage ensures you don’t have to dip into emergency funds or retirement accounts during a difficult time.
Value of Supplemental Dependent Life insurance
Optional additional protection
Provides enhanced coverage amounts in addition to Dependent Life insurance
Peace of mind
Can help cover costs for funeral expenses and provides a financial safety net for unexpected expenses related to the death
Coverage options to suit your needs
Often offered in flat increments, such as $2,000, $5,000 or $10,000 of coverage
Schedule of Benefits
Details on your Supplemental Dependent Life benefit can be found in your Life Schedule of Benefits, which will list the benefit along with the benefit amount and highlights. Supplemental Dependent Life amounts are listed in their own table called “Life Insurance on your insured dependents,” which also includes any Spouse Life and Supplemental Spouse Life amounts. This appears after the table on your Life insurance benefits. Supplemental Dependent Life amount is typically a flat amount (for example, $10,000 or $2,000).
A sample Schedule of Benefits with Supplemental Spouse and Supplemental Dependent Life insurance is below. Please note that each company’s benefits may differ.
Note: Any amount of Life Insurance in excess of the Guaranteed Issue Amount is subject to Evidence of Insurability. Learn more about Evidence of Insurability.
Sample Schedule of Benefits with Supplemental Spouse and Supplemental Dependent Life insurance
| Benefit | Benefit amounts and highlights |
|---|---|
| On Your Spouse | Basic: $50,000 Supplemental: Increments of $10,000 up to 100% of the Employee enrolled in Supplemental Life, up to a combined maximum of $250,000 maximum |
| Accelerated Benefit Option | None |
| On each of Your Children (for Dependent Children from Birth to 26 years) |
Basic: $10,000 Supplemental: Flat $25,000 |
| Accelerated Benefit Option | None |
| Guaranteed Issue Amount | Spouse - $50,000 Dependent Child - $25,000 |
| * Any amount of Life Insurance in excess of the Guaranteed Issue Amount is subject to Evidence of Insurability. | |
Supplemental Dependent Life is a flat rate calculated by the number of children multiplied by the rate per $1,000 in coverage. To calculate cost, multiply the cost per $1,000 by the number of units selected.
For example, to figure out the monthly cost for $25,000 in coverage, you would multiply the rate by 25 ($1,000 units).
Ask your employer what your rates are for Supplemental Dependent Life coverage.
How to submit a Supplemental Dependent Life insurance claim
Supplemental Dependent Life claims will be paid automatically with a Dependent Life claim, so there are no additional steps required to submit the Supplemental Dependent Life claim.
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