Group Life and Voluntary Life Insurance

Please reference the rate chart below as you determine your open enrollment selections.

Plan Information 

Group Life Insurance

Reliant provides Group Term Life Insurance for all employees and field workers regularly scheduled to work 30 or more hours per week. This coverage is provided at no cost to the employee, is mandatory, and cannot be waived.

The standard benefit amount is equal to one time the employee's annual salary. Coverage becomes effective on the first day of the month following the employee's date of hire.

This insurance pays a benefit to the employee's designated beneficiary in the event of the employee's death. Reliant secures and maintains this coverage on the employee's behalf. Employees are responsible for keeping their beneficiary information current.

Contact benefits@reliant.org for additional information about this benefit.

Voluntary Life Insurance

Employees and field workers regularly scheduled to work 30 or more hours per week may elect to purchase additional Voluntary Life Insurance through RSLI for themselves, their spouse, and eligible dependent children.

Premiums are deducted from the employee's paycheck. Once elected, coverage remains in effect unless the employee requests a change during an eligible enrollment period or Open Enrollment.

Coverage becomes effective on the first day of the month following the date the application is signed, subject to carrier approval when applicable.

Rates vary based on the age of the insured and are updated periodically. See the Voluntary Life Rate Schedule (PDF) for current rates.

Guaranteed Issue Amounts

RSLI offers guaranteed issue coverage, without proof of insurability, when enrollment occurs within 31 days of becoming benefits eligible:

• Employee: Up to $100,000
• Spouse: Up to $30,000
• Child(ren): Up to $10,000 (ages 6 months through 26 years)

Requests for coverage above these amounts may require Evidence of Insurability (EOI) and carrier approval. Effective dates above Guaranteed Issue Amounts are subject to underwriting approval. 

For information about adding dependent coverage, see Adding a Dependent to Insurance.

Contact Employment Services for additional information about this benefit.

Resources

• Voluntary Life Insurance Plan Highlights (PDF)
• Voluntary Life Rate Schedule (PDF)

Life Insurance Beneficiaries

Employees are responsible for maintaining up-to-date beneficiary information by informing benefits@reliant.org. An employee may change their beneficiary by completing a new beneficiary form and emailing it to benefits@reliant.org. If the employee is married and wishes to have a beneficiary other than their spouse, the spouse must sign the beneficiary form. To complete a new Beneficiary form see Updating Beneficiary Information - Life Insurance.

Making a claim

Written verification of death within 90 days of the date of death is normally required by the insurance provider. Employment Services must be notified immediately in the event an employee dies. Specific information about this coverage may be found in the employee's certificate of group insurance provided by the insurance carrier or by calling the insurance company directly.

Coverage Effective Dates Summary

• Group Life Insurance, Long-Term Disability (LTD), and AD&D: Coverage becomes effective on the first day of the month following the employee's date of hire.
• Voluntary Life Insurance: Coverage becomes effective on the first day of the month following the date the application is signed, subject to any required approval by the insurance carrier.

Resources

• Life Insurance Beneficiary Form
• Update Beneficiary Information
• Adding a Dependent to Insurance

RSLI provides additional benefits 

• Bereavement Counseling
• Travel Assistance