Quick Answer

Leeds West Groups offers Voluntary Life Insurance and Voluntary Accidental Death & Dismemberment (AD&D) Insurance through The Standard. These optional benefits allow eligible team members to elect additional coverage at their own cost, subject to plan rules, eligibility requirements, and insurance carrier approval. Certain coverage amounts may be available without medical underwriting when you first become eligible. Coverage above those amounts, late enrollments, or future increases may require Evidence of Insurability (EOI) and approval by the insurance carrier.

Voluntary Life Insurance Overview

Voluntary Life Insurance provides a benefit to a designated beneficiary in the event of a covered death, subject to the terms of the policy.

Coverage may be elected for:

• The team member

• An eligible spouse

• Eligible dependent children

Available coverage options, limits, and approval requirements are determined by the insurance carrier and outlined in the official plan documents.

Guaranteed Issue vs. Medical Certification (EOI)

Guaranteed Issue (When Available)

When enrolling during your initial eligibility period, certain coverage amounts may be available without medical questions, commonly referred to as “guaranteed issue.”

Guaranteed issue availability:

• Applies only during initial eligibility

• Is subject to plan terms and carrier rules

• Does not apply to late enrollments or future increases

When Evidence of Insurability (EOI) May Be Required

Medical certification (EOI) is generally required if you:

• Elect coverage above guaranteed issue limits

• Decline coverage when first eligible and enroll later

• Request an increase to existing coverage

Coverage requiring EOI is not effective unless and until approved by the insurance carrier. Submission of an application does not guarantee approval.

Voluntary AD&D Insurance Overview

Voluntary AD&D Insurance provides benefits for covered accidental death or qualifying accidental injuries, as defined by the policy.

Key points:

• AD&D coverage is separate from life insurance

• Benefits apply only to qualifying accidental events

• Eligibility, exclusions, and benefit amounts are governed by the plan

• AD&D coverage generally does not require medical underwriting, but remains subject to policy terms

Important Considerations

• Coverage availability, limits, exclusions, and reductions are defined by the insurance policy

• Enrollment timing impacts eligibility for guaranteed issue

• Insurance approval decisions are made solely by The Standard

• LWG does not control underwriting decisions or benefit determinations

Where to Find Official Details

• Review the LWG Benefits Guide

• Log into Dayforce to review benefits documents, enrollments, current elections, and more.