Survivor Benefits

Survivor benefits provide financial protection and security in the event of an absence or unexpected event. Securing life insurance now ensures your family will be protected for the future.

Survivor Benefits

Coverage at a GlanceAT Collective – Hawaii

Feature	BASIC EMPLOYEE LIFE	VOLUNTARY EMPLOYEE LIFE & AD&D	VOLUNTARY SPOUSE LIFE & AD&D	VOLUNTARY CHILD LIFE & AD&D
Carrier	Voya	Voya	Voya	Voya
Paid By	AT Collective	Employee	Employee	Employee
Benefit Amount	1x Base Salary, rounded to next $1,000. Employees may elect a flat $50,000 to avoid being taxed on the higher amount	1-4x Base Salary, rounded to next $1,000	$50,000 or 0.5-3x Covered Employee’s Base Salary, rounded to next $1,000	Option 1: $5,000; Option 2: $10,000
Maximum Benefit	$500,000	$1,000,000	$350,000, may not exceed 100% of Employee’s Basic and Voluntary Life insurance	$10,000
Evidence Of Insurability Threshold	No, upon initial enrollment	New Hire: Any election of more than 3x Base Salary or if over the $700,000 Guaranteed Issue amount. Existing Enrollees: You may increase one benefit level during Annual Enrollment; any additional amount is subject to EOI. EOI will apply to any elections of more than 3x Base Salary or if over the $700,000 Guaranteed Issue amount.	New Hire: $50,000. Existing Enrollees: You may increase $50,000 or one benefit level during Annual Enrollment; any additional amount is subject to EOI	-
Notes	Upon Employee’s death	Upon Employee’s death	Upon Spouse’s death	Upon Child’s death
Age Reduction Schedule	Ages 65-69: to 75%; Ages 70-74: to 65%; Ages 75 and up: to 50%	Ages 65-69: to 75%; Ages 70-74: to 65%; Ages 75 and up: to 50%	Ages 65-69: to 75%; Ages 70-74: to 65%; Ages 75 and up: to 50%	Ages 65-69: to 75%; Ages 70-74: to 65%; Ages 75 and up: to 50%
Eligibility	employees	Eligible employees may purchase Voluntary Life and AD&D insurance.	Eligible employees may purchase Voluntary Life and AD&D insurance.	Eligible employees may purchase Voluntary Life and AD&D insurance.
Guaranteed Issue Amount	-	$700,000	-	-

Feature: Carrier
BASIC EMPLOYEE LIFE: Voya
VOLUNTARY EMPLOYEE LIFE & AD&D: Voya
VOLUNTARY SPOUSE LIFE & AD&D: Voya
VOLUNTARY CHILD LIFE & AD&D: Voya

Feature: Paid By
BASIC EMPLOYEE LIFE: AT Collective
VOLUNTARY EMPLOYEE LIFE & AD&D: Employee
VOLUNTARY SPOUSE LIFE & AD&D: Employee
VOLUNTARY CHILD LIFE & AD&D: Employee

Feature: Benefit Amount
BASIC EMPLOYEE LIFE: 1x Base Salary, rounded to next $1,000. Employees may elect a flat $50,000 to avoid being taxed on the higher amount
VOLUNTARY EMPLOYEE LIFE & AD&D: 1-4x Base Salary, rounded to next $1,000
VOLUNTARY SPOUSE LIFE & AD&D: $50,000 or 0.5-3x Covered Employee’s Base Salary, rounded to next $1,000
VOLUNTARY CHILD LIFE & AD&D: Option 1: $5,000; Option 2: $10,000

Feature: Maximum Benefit
BASIC EMPLOYEE LIFE: $500,000
VOLUNTARY EMPLOYEE LIFE & AD&D: $1,000,000
VOLUNTARY SPOUSE LIFE & AD&D: $350,000, may not exceed 100% of Employee’s Basic and Voluntary Life insurance
VOLUNTARY CHILD LIFE & AD&D: $10,000

Feature: Evidence Of Insurability Threshold
BASIC EMPLOYEE LIFE: No, upon initial enrollment
VOLUNTARY EMPLOYEE LIFE & AD&D: New Hire: Any election of more than 3x Base Salary or if over the $700,000 Guaranteed Issue amount. Existing Enrollees: You may increase one benefit level during Annual Enrollment; any additional amount is subject to EOI. EOI will apply to any elections of more than 3x Base Salary or if over the $700,000 Guaranteed Issue amount.
VOLUNTARY SPOUSE LIFE & AD&D: New Hire: $50,000. Existing Enrollees: You may increase $50,000 or one benefit level during Annual Enrollment; any additional amount is subject to EOI
VOLUNTARY CHILD LIFE & AD&D: -

Feature: Notes
BASIC EMPLOYEE LIFE: Upon Employee’s death
VOLUNTARY EMPLOYEE LIFE & AD&D: Upon Employee’s death
VOLUNTARY SPOUSE LIFE & AD&D: Upon Spouse’s death
VOLUNTARY CHILD LIFE & AD&D: Upon Child’s death

Feature: Age Reduction Schedule
BASIC EMPLOYEE LIFE: Ages 65-69: to 75%; Ages 70-74: to 65%; Ages 75 and up: to 50%
VOLUNTARY EMPLOYEE LIFE & AD&D: Ages 65-69: to 75%; Ages 70-74: to 65%; Ages 75 and up: to 50%
VOLUNTARY SPOUSE LIFE & AD&D: Ages 65-69: to 75%; Ages 70-74: to 65%; Ages 75 and up: to 50%
VOLUNTARY CHILD LIFE & AD&D: Ages 65-69: to 75%; Ages 70-74: to 65%; Ages 75 and up: to 50%

Feature: Eligibility
BASIC EMPLOYEE LIFE: employees
VOLUNTARY EMPLOYEE LIFE & AD&D: Eligible employees may purchase Voluntary Life and AD&D insurance.
VOLUNTARY SPOUSE LIFE & AD&D: Eligible employees may purchase Voluntary Life and AD&D insurance.
VOLUNTARY CHILD LIFE & AD&D: Eligible employees may purchase Voluntary Life and AD&D insurance.

Feature: Guaranteed Issue Amount
BASIC EMPLOYEE LIFE: -
VOLUNTARY EMPLOYEE LIFE & AD&D: $700,000
VOLUNTARY SPOUSE LIFE & AD&D: -
VOLUNTARY CHILD LIFE & AD&D: -

Coverage at a GlanceAT Collective – Mainland

Feature	BASIC EMPLOYEE LIFE	VOLUNTARY EMPLOYEE LIFE & AD&D	VOLUNTARY SPOUSE LIFE & AD&D	VOLUNTARY CHILD LIFE & AD&D
Carrier	Voya	Voya	Voya	Voya
Paid By	AT Collective	Employee	Employee	Employee
Benefit Amount	1x Base Salary, rounded to next $1,000. Employees may elect a flat $50,000 to avoid being taxed on the higher amount	1-4x Base Salary, rounded to next $1,000	$50,000 or 0.5-3x Covered Employee’s Base Salary, rounded to next $1,000	Option 1: $5,000; Option 2: $10,000
Maximum Benefit	$500,000	$1,000,000	$350,000, may not exceed 100% of Employee’s Basic and Voluntary Life insurance	$10,000
Evidence Of Insurability Threshold	No, upon initial enrollment	New Hire: Any election of more than 3x Base Salary or if over the $700,000 Guaranteed Issue amount. Existing Enrollees: You may increase one benefit level during Annual Enrollment; any additional amount is subject to EOI. EOI will apply to any elections of more than 3x Base Salary or if over the $700,000 Guaranteed Issue amount.	New Hire: $50,000. Existing Enrollees: You may increase $50,000 or one benefit level, whichever is less, during Annual Enrollment; any additional amount is subject to EOI	-
Notes	Upon Employee’s death	Upon Employee’s death	Upon Spouse’s death	Upon Child’s death
Age Reduction Schedule	Ages 65-69: to 75%; Ages 70-74: to 65%; Ages 75 and up: to 50%	Ages 65-69: to 75%; Ages 70-74: to 65%; Ages 75 and up: to 50%	Ages 65-69: to 75%; Ages 70-74: to 65%; Ages 75 and up: to 50%	Ages 65-69: to 75%; Ages 70-74: to 65%; Ages 75 and up: to 50%
Eligibility	employees	Eligible employees may purchase Voluntary Life and AD&D insurance.	Eligible employees may purchase Voluntary Life and AD&D insurance.	Eligible employees may purchase Voluntary Life and AD&D insurance.
Guaranteed Issue Amount	-	$700,000	-	-

Feature: Carrier
BASIC EMPLOYEE LIFE: Voya
VOLUNTARY EMPLOYEE LIFE & AD&D: Voya
VOLUNTARY SPOUSE LIFE & AD&D: Voya
VOLUNTARY CHILD LIFE & AD&D: Voya

Feature: Paid By
BASIC EMPLOYEE LIFE: AT Collective
VOLUNTARY EMPLOYEE LIFE & AD&D: Employee
VOLUNTARY SPOUSE LIFE & AD&D: Employee
VOLUNTARY CHILD LIFE & AD&D: Employee

Feature: Benefit Amount
BASIC EMPLOYEE LIFE: 1x Base Salary, rounded to next $1,000. Employees may elect a flat $50,000 to avoid being taxed on the higher amount
VOLUNTARY EMPLOYEE LIFE & AD&D: 1-4x Base Salary, rounded to next $1,000
VOLUNTARY SPOUSE LIFE & AD&D: $50,000 or 0.5-3x Covered Employee’s Base Salary, rounded to next $1,000
VOLUNTARY CHILD LIFE & AD&D: Option 1: $5,000; Option 2: $10,000

Feature: Maximum Benefit
BASIC EMPLOYEE LIFE: $500,000
VOLUNTARY EMPLOYEE LIFE & AD&D: $1,000,000
VOLUNTARY SPOUSE LIFE & AD&D: $350,000, may not exceed 100% of Employee’s Basic and Voluntary Life insurance
VOLUNTARY CHILD LIFE & AD&D: $10,000

Feature: Evidence Of Insurability Threshold
BASIC EMPLOYEE LIFE: No, upon initial enrollment
VOLUNTARY EMPLOYEE LIFE & AD&D: New Hire: Any election of more than 3x Base Salary or if over the $700,000 Guaranteed Issue amount. Existing Enrollees: You may increase one benefit level during Annual Enrollment; any additional amount is subject to EOI. EOI will apply to any elections of more than 3x Base Salary or if over the $700,000 Guaranteed Issue amount.
VOLUNTARY SPOUSE LIFE & AD&D: New Hire: $50,000. Existing Enrollees: You may increase $50,000 or one benefit level, whichever is less, during Annual Enrollment; any additional amount is subject to EOI
VOLUNTARY CHILD LIFE & AD&D: -

Feature: Notes
BASIC EMPLOYEE LIFE: Upon Employee’s death
VOLUNTARY EMPLOYEE LIFE & AD&D: Upon Employee’s death
VOLUNTARY SPOUSE LIFE & AD&D: Upon Spouse’s death
VOLUNTARY CHILD LIFE & AD&D: Upon Child’s death

Feature: Age Reduction Schedule
BASIC EMPLOYEE LIFE: Ages 65-69: to 75%; Ages 70-74: to 65%; Ages 75 and up: to 50%
VOLUNTARY EMPLOYEE LIFE & AD&D: Ages 65-69: to 75%; Ages 70-74: to 65%; Ages 75 and up: to 50%
VOLUNTARY SPOUSE LIFE & AD&D: Ages 65-69: to 75%; Ages 70-74: to 65%; Ages 75 and up: to 50%
VOLUNTARY CHILD LIFE & AD&D: Ages 65-69: to 75%; Ages 70-74: to 65%; Ages 75 and up: to 50%

Feature: Eligibility
BASIC EMPLOYEE LIFE: employees
VOLUNTARY EMPLOYEE LIFE & AD&D: Eligible employees may purchase Voluntary Life and AD&D insurance.
VOLUNTARY SPOUSE LIFE & AD&D: Eligible employees may purchase Voluntary Life and AD&D insurance.
VOLUNTARY CHILD LIFE & AD&D: Eligible employees may purchase Voluntary Life and AD&D insurance.

Feature: Guaranteed Issue Amount
BASIC EMPLOYEE LIFE: -
VOLUNTARY EMPLOYEE LIFE & AD&D: $700,000
VOLUNTARY SPOUSE LIFE & AD&D: -
VOLUNTARY CHILD LIFE & AD&D: -