Additional Life

In addition to the basic coverage, you can purchase additional life coverage under GW’s group policy through The Standard in the EasyEnroll system. You have the following options to purchase:

  • Additional Life Insurance coverage for yourself in increments of $10,000, up to a maximum of $750,000 or five times your annual benefit salary (whichever is less).
  • Additional Life Insurance coverage for your spouse or domestic partner in increments of $5,000, up to a maximum of $375,000 or 50 percent of your coverage (whichever is less).
    Please note that you must have additional employee life coverage to elect coverage for your spouse or domestic partner.
  • Additional Life Insurance coverage for your dependent children in increments of $2,000. Coverage for children is limited to a maximum of $10,000 or 50 percent of your coverage (whichever is less) for dependent children. Please note that you must have additional employee life coverage to elect coverage for your dependent children.

Evidence of Insurability (EOI)

As a new hire, you can elect up to the guaranteed issue (GI) without EOI. For additional employee life insurance, the GI is the lesser of $200,000 or 5x your benefit salary. For your spouse or domestic partner’s life insurance, the GI is the lesser of $25,000 or 50% of your additional employee life insurance. Amounts elected above the GI will require EOI. (You will be enrolled with $200,000 or $25,000 until the EOI is approved.)

If you are enrolled in at least $10,000 but less than $200,000 of additional employee coverage, you will be able to enroll up to $200,000 without EOI after a Qualified Life Event or during annual Open Enrollment. Any amount over $200,000 will require EOI.  If you are not enrolled in any additional employee coverage, you will be required to submit EOI for any coverage amount elected after a Qualified Life Event or during annual Open Enrollment. 

If you make an election that is subject to EOI, you can complete your EOI online or by completing a paper medical history form. You have 60 calendar days from your hire date or Qualified Life Event date to complete your EOI. Please have policy number 649377 available when completing your EOI.

Beneficiary Information

Updating your beneficiary is very important. Your beneficiary is who you would like your life insurance to go to in the event of your passing. You can update your beneficiary information anytime during the year using the EasyEnroll System.

Additional life insurance benefits are paid to your beneficiary(ies) if you die while coverage is in effect. Some plans do not provide benefits if you die from certain causes, such as war or injury while committing a felony.

Dependent life insurance benefits are paid to you if your covered dependent dies while coverage is in effect.

Rates and Contribution Information:

Review rates and employee contributions to determine cost of coverage for additional life insurance.

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