Life Insurance

Life insurance and long term disability are offered with health plan enrollment. Coverage must end if an employee goes on severance or leave of absence, retires, drops hours to less than 20 per week, or otherwise ends active employment.

What are the Employer’s responsibilities?

• Notify Alliance Benefits within 30 days when an employee is no longer eligible
• If additional life insurance is desired; it is simplest to purchase when the employee first enrolls. No medical history is requested at that time.
• If an employee experiences a serious injury or illness which may result in a Long Term Disability claim, please notify Alliance Benefits early.
• It is vital that the employer keep accurate work and pay records.

What are the Employee’s responsibilities?

If the employee purchases additional life insurance, they should notify the church treasurer: life insurance premiums are charged with health premiums. The church may request reimbursement from the employee if the extra life insurance is not part of the employee’s benefit package.