- Group term life insurance for your spouse and/or dependent child(ren) in an amount you elect.
- The cost of Dependent Life Insurance is based on a single monthly rate according to the amount of coverage purchased.
- The coverage amount you purchase applies to your spouse as well as your dependent child(ren) over the age of 6 months through to their 26th birthday.
- Children ages 14 days to six months are covered by $500 of life insurance.
- The amount of dependent Portable Term Life Insurance will be reduced by 50% on your spouse's 70th birthday.
- In the event of the death of your spouse and/or dependent child(ren), you receive a benefit in the amount of your dependent life coverage election.
New Hire elections made within 31 days of your initial hire, the following election rules apply:
- $5,000 to $25,000 guaranteed issue (Evidence of Insurability is not required).
- Evidence of Insurability is required for any amount elected.
- Coverage begins fourteen days after the child's date of birth.
- Coverage begins on the date you apply.
- You must wait until the next open enrollment and provide evidence of insurability to Aetna.
- Coverage will begin when your application is approved.
- May be eligible to receive a portion of you life insurance benefit to meet expenses or make specific plans.
- May pay up to 75% of your elected amount up to a maximum of $390,000 for employees and $18,750 for a depenedent spouse.
- Payment is made in one lump sum and payable once during your lifetime.
- Once paid the amount of life insurance elected will be reducded by the accelerated payment.
- Payment of premiums on the full amount of life insurance must continue.
- Accelerated benefit is paid directly to you, the insured, and may be taxable as income.
Dependent Life Insurance for your fully disabled dependent child may be continued past the maximum age for dependent children. However, such coverage may not be continued if the child has been issued a personal life conversion policy.
- Proof that your child is fully disabled must be submitted to Aetna no later than 31 days after the date your child reaches the maximum age.
- Aetna will have the right to require proof of the continuation of the disability.
- Aetna also has the right to examine your child as often as needed while the disability continues at its own expense.
- An exam will not be required more than once each year after 2 years from the date your child reached maximum age.
- He or she is not able to earn his or her own living because of mental retardation or a physical disability which started prior to the date he or she reaches the maximum age for dependent children; and
- He or she depends chiefly on you for support and maintenance.
- Cessation of the disability.
- Failure to give proof that the disability continues.
- Failure to have any required exam.
- Termination of Dependent Coverage as to your child for any reason other than reaching the maximum age.
Disabled Child Coverage Continuation Request (pdf)
- Request continued coverage for a disabled child who has exceeded the maximum age limit.
Disabled Child Attending Physician Statement (pdf)
- Used in conjunction with the Disabled Child Coverage Continuation Request form to verify disability.
- Allows employees and qualified dependents to continue their life insurance upon termination, retirement or loss of coverage from MCCCD.
- Employees are eligible up to the age of 98
- Spouses are eligible up to the age of 70.
- Dependent child(ren) are eligible up to the age which is one year younger than the age at which he or she will cease to meet the Plan's definition of dependent.
- Employees must be actively at work at the time coverage is terminated.
- Disabled members are not eligible to port their coverage.