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Return To Work As A Self-Employed Person -- Impact On Benefits

Life Insurance

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8/11

The existence of any group life insurance you continued may be affected in either of two ways.

If as a courtesy, your employer continued your life insurance while you were on disability

By returning to work you, if you are considered to be a new hire, you may and ybe required to convert your coverage life insurance from group coverage to more expensive individual coverage until you qualify for life insurance again through your employer.

If your group coverage had a disability waiver of premium provision which has been in effect

Thanks to the disability waiver of premium provision, y ou have not been required to pay premiums to keep your coverage in force as long as you were disabled. By going back to work, you will have to start paying premiums again to keep the coverage in effect the waiver will end.

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Group Life - Conversion

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