Changing Coverage

If I choose a lower monthly benefit amount to start, and I want to increase my benefit a year or two later, can I?

Yes, however, you will have to provide Evidence of Insurability, which includes medical underwriting and you can potentially be denied additional coverage of the greater amounts of $7,500 or $10,000.

If I decline the Group Long term disability coverage at this time, would it be possible to sign up for it in the future?

Yes, after this initial open enrollment, you can sign up for the plan at any time, but you will have to fill out an Evidence of Insurability form and could possibly be denied coverage. By signing up during the open enrollment period you are guaranteed coverage with no tests or exams or financial underwriting.

Can I drop my group coverage after I sign up for it?

Yes. You can drop your coverage any month, on a month-to-month basis. However, we only have open enrollment this one time, with no medical underwriting. If you want to get on the plan again after dropping off, you will have to submit an Evidence of Insurability form and can possibly be denied coverage based on your medical history.

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