Red Clay Consolidated School District Benefits -- State Group Life Insurance

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State Group Life Insurance

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Your State Group Life Insurance Plan

Life insurance is an important part of your family's overall financial security. Even if no one depends on you for financial support, life insurance benefits may be necessary to settle your estate. That's why the State of Delaware offers you and your eligible dependents Group Life Insurance through Minnesota Life. Under the plan, you may elect coverage for yourself of one to six times base pay to a maximum of $350,000.

Cost of Coverage
The cost for coverage depends on your age. The state calculates your premium based on your current age and salary. Please refer to the table below to determine your cost:

Age	Monthly Rate (per $1,000)	Age	Monthly Rate (per $1,000)
30	$0.052	87	$5.930
30-34	$0.062	88	$6.350
35-39	$0.082	89	$6.820
40-44	$0.112	90	$7.330
45-49	$0.162	91	$7.910
50-54	$0.282	92	$8.570
55-59	$0.442	93	$9.350
60-64	$0.682	94	$10.260
65-69	$1.202	95	$11.690
70-74	$2.130	96	$14.040
75-79	$3.290	97	$18.090
80-84	$5.050	98	$24.960
85	$5.150	99	$26.810
86	$5.520

Dependent Life Coverage

Effective January 1, 2011

Benefits eligible active employees enrolled in the GUL program will have the following dependent Term Life options to select from:

Option	Coverage	Cost
Spouse	$20,000	$7.05 per month
Spouse	$10,000	$3.08 per month
Child(ren)	$10,000 for each eligible child	$1.16 per month (Covers all eligible children)

Coverage is now in effect for benefits eligible active employees who participated in the one-time open enrollment opportunity between October 4, 2010 and October 20, 2010 to increase spouse coverage from $10,000 to $20,000 without providing Minnesota Life with evidence of good health.

Also, employees enrolled in the GUL program with child(ren) coverage as of December 31, 2010 had their coverage increased automatically from $6,000 per child(ren) to $10,000 per child(ren) effective January 1, 2011 with no increase to the cost of the child(ren) coverage.

The newly added Will Preparation and Legal Services benefit provided by Ceridian LifeWorks’ is now available to benefits eligible active employees enrolled in the GUL program, their spouses and other dependents at no cost. Click on the link below for a detailed description of this new service.

Legal Services Employee Brochure

For additional information, please visit www.lifeworks.com.
Username: will
Password: preparation

State Group Life
Insurance

Related Links
	Statewide Benefits
	Minnesota Life

Important Legal Information:
Redclaybenefits.com provides only an overview of your benefits from Red Clay Consolidated School District and The State of Delaware. Red Clay Consolidated School District and The State of Delaware reserve the right to amend or to terminate any benefit plan at any time, with or without notice. Review more important legal information about your benefits plans.