APC Dependent Life Insurance

This benefit is available to you only if you also elect Associate Supplemental Life Insurance. Dependent Life Insurance can help you pay for funeral expenses or provide additional income to you in the event of the death of your spouse, domestic partner or child. Although it's painful to think about, it is important to consider the potential financial impact of a spouse's or dependent's death. For example, if both you and your spouse work, the death of your spouse could cause significant finacial hardship. On the other hand, if your spouse stays at home and cares for your children, you would need to pay someone to take on those responsibilities in the event of your spouse's death. Dependent life insurance can help with those financial needs

Who Can Be Covered
You can purchase life insurance on your legally married spouse or domestic partner and your unmarried children. Your unmarried dependent children are eligible for coverage from 14 days old up to the end of the year in which they reach the age of 19. If they are full-time students they may be covered to the end of the month in which they reach the age of 25 or the end of the month in which they are no longer enrolled as a full-time student. Dependent Life Insurance can help you pay for funeral expenses or provide additional income to you in the event of the death of your spouse, domestic partner or child. Coverage may be kept in force for any handicapped child who reaches the age limit if they become unable to earn a living before reaching age 19, or before age 25 if they are a full-time student. Application and documentation of handicapped status must be provided prior tot he cancellation date that normally occurs for dependent children. Continuation of coverage is not activated until approval is made by the individual benefit plan or it's designee. For the Health Alliance definition of domestic partner, see Your Eligibility for Health Alliance Benefits.

Coverage Options
You have the following coverage options:

• Coverage on your spouse or domestic partner
  - $  5,000
  - $10,000
• Coverage on each dependent child
  - $  2,000
  - $  5,000
  - $10,000

Evidence of Insurability (EOI) requirements apply if you enroll after your initial eligibility period (30 days after you were hired or become benefits-eligible for the first time) or choose to raise your coverage level. If the level of coverage for which you apply requires completion of an EOI, you are not covered for that amount until you receive written notice of approval from the insurance carrier.

Beneficiary
You are the beneficiary for benefits paid after the death of a covered family member.

Cost of Coverage
The cost of coverage under the Dependent Life Insurance Plan varies, depending on whether it is coverage on your spouse / domestic partner or your dependent children. The cost is deducted on an after-tax basis from every bi-weekly paycheck during the covered period.