MORGAN COUNTY CHARTER SCHOOL SYSTEM

PERMANENT LIFE
What is Permanent Life Insurance?
Provides lifelong protection and the ability to maintain a level premium.
Plan Rules:
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Eligibility: All full-time employees working 20+ hours/week, spouse, children and grandchildren (up to age 26)
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Coverage through Chubb
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Must be actively at work on the effective date
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If electing for the first time outside of the initial open enrollment period, health questions will be required.
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Underwriting may be required.
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Keep your coverage at the same cost even if you retire or change employers
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*Closed Group/No New Enrollees
Contact Campus Benefits help with filing a claim.
Phone: 1 (866) 433-7661 option 5

Included Riders
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Accelerated Death Benefit: 50% of benefit amount up to $100,000
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Long-Term Care: Receive 4% of death benefit for 25 months for long term care assistance (including home health care, assisted living, adult day care, and nursing home care)
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Extension of Benefits for Long-Term Care: Extends length of long term care benefit from 25 months to 75 months
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Restoration for Long-Term Care: Restores death benefit to no less than 50% of the face value for which your LTC benefits were based