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For more information, please refer to this announcement explaining best practices for getting answers to questions.
How to setup supplemental life plan?
A few scenarios we need help with....
New Hire - Employee can elect anywhere from 10k to 500k. Increments of 10k. Guarantee Issue to 150k, then requires certification in excess of a 150k. If they choose above 150k, the plan should ask for certification, give them interim cvg of 150k and suspend the amount of cvg above 150k until certification is approved.
1) Elects 10k - 150k – no suspension
2) Elects 160k – 500k – interim 150k, suspend the amount above 150k
Open Enrollment – Employee can elect anywhere from 10k to 500k. Increments of 10k. Guarantee Issue rule applies if current election is under 150k and increases amount 10k. Certification required for all other increases.
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