Events That Affect Participation

Your Personal and Family Accident Insurance Plan benefits are affected if you continue to work beyond age 70 or if you take a leave of absence.

If You Continue to Work Beyond Age 70

If you continue to work beyond age 70, your coverage will be reduced to a percentage of the coverage in force just prior to your 70th birthday. This reduction in your coverage will be:

Attained Age Percent of Original Benefit
70 through 74 82.5%
75 through 79 57.5%
80 through 84 37.5%
85 and older 20.0%

If you enter the plan after age 70, your coverage will be limited (according to the schedule) to a percentage of the coverage you would have been eligible for before age 70. The coverage for a spouse under age 70, and any dependent children, will be based on a percentage of your coverage prior to age 70.

After you reach age 70, the cost of premiums for coverage for you and your family will be based on the cost of your coverage amount prior to age 70.

If You Take a Leave of Absence

If you leave active work for any reason for a prolonged period of time, you should always contact the Benefits Section of Human Resources to ask what effect your absence may have on your participation in the Personal and Family Accident Insurance Plan.

  • Leave of Absence With Pay. If you are granted a leave of absence with pay, your coverage will continue, provided your usual payroll deductions continue. If you wish to discontinue your participation, contact the Benefits Section of Human Resources.
  • Leave of Absence Without Pay or No Pay Status. If you are granted a leave of absence without pay or are on no pay status, you may continue your coverage during your leave provided you pay the cost of continuing this coverage. If you choose to continue coverage, you should contact the Benefits Section of Human Resources before you begin your leave, in order to make the necessary billing arrangements. This coverage will automatically be canceled for nonpayment of bills.

If you choose not to continue this insurance, coverage will automatically end on the last day of the month in which you are granted such leave. To reinstate coverage when you return from your leave, you must re-enroll, provided you are still eligible. To do so, contact the Benefits Section of Human Resources.