Henriksen Butler / Life Insurance

How much is Basic Life Insurance?How much Voluntary Life can I buy?Do I have to insure each child separately?

Plan Options: Basic Life and AD&D and Voluntary Life and AD&D
Life insurance can provide income protection for you and your family. Some coverage is provided automatically to you at no cost. Other supplemental coverage is available to purchase based on your needs.

(800) 423-2765 | lincolnfinancial.com

Basic Life and AD&D Group #000010246957
Voluntary Life and AD&D Group #000400001000-24507

Online EOI Submission for Voluntary Life and AD&D: mylincolnportal.com
Group EOI Code: HENRIGP

Lincoln Financial policy holders receive these additional benefits at no cost: Lincoln TravelConnect, Lincoln EmployeeConnect, and Lincoln LifeKeys

Life Insurance

Basic Life and Accidental Death & Dismemberment (AD&D) Insurance

Henriksen Butler provides each employee with up to 2x your annual earnings up to a maximum of $250,000 as part of your core benefits. This coverage is completely free to employees — Henriksen Butler pays the premiums. Additionally, you have the option to convert your coverage if you retire, lose eligibility or terminate your employment with Henriksen Butler. This benefit is provided through Lincoln Financial Group.

Voluntary Life and AD&D Insurance

Henriksen Butler offers Voluntary Life for you and your dependents, which can be purchased through Lincoln Financial Group. This option gives you the advantage of purchasing life insurance at affordable group rates. It is not a pre-tax benefit option. Premiums are paid with after-tax dollars through an automatic payroll deduction from your paycheck. This coverage is completely voluntary.

You may purchase additional coverage up to 5x your annual earnings in increments of $10,000 up to a maximum of $500,000. $150,000 is available without having to provide proof of good health for newly eligible employees. If you wish to elect an amount that is above $150,000, you will need download and complete the Evidence of Insurability (EOI) form. If you’ve previously declined coverage, you will be be subject to completing and submitting an Evidence of Insurabillity to Lincoln for any applied amount of coverage. Benefits reduce beginning at age 65.

See enrollment system for Voluntary Life Insurance rates.

Voluntary Dependent Life Insurance

You may purchase spouse coverage in increments of $5,000, not to exceed 50% of the employee elected amount, up to a maximum of $250,000. $30,000 is available without having to provide proof of good health once newly eligible. Benefits reduce beginning at age 65.

Coverage for unmarried dependent children is available from 14 days old up to age 19, or 25 if a full-time student, subject to eligibility requirements. Coverage for infants from 14 days old up to 6 months is $250, and $10,000 of coverage is available for child(ren) from 6 months up to age 25 and can be purchased in increments of $2,000. Coverage is inclusive for all children. This means that if you have one child or many children, you pay one flat amount and each child is covered individually for the coverage amount.

See enrollment system for Voluntary Life Insurance rates.

These additional benefits are included with your Life Insurance policy:

Lincoln TravelConnect

A comprehensive Travel Assistance Services program providing 24/7 emergency medical and travel assistance services when you are outside your home country or 100 or more miles away from your primary residence in your home country.

Services available to you and your dependents include:

Medical evacuation & repatriation
Medical assistance
Travel assistance
Security & political evacuation
Natural disaster evacuation
Destination intelligence

To use TravelConnectSM services or for more information call
(800) 527-0218 or (410) 453-6330
Provide ID number LFGTravel123

Lincoln EmployeeConnect

Life has its share of ups and downs — and sometimes you may need a little guidance through the “downs.” EmployeeConnectSM offers an array of confidential services to help meet the challenges that life, work, and relationships can bring.

Services available to you and your dependents include:

Unlimited assistance available 24/7
Unlimited phone access to legal, financial, and work-life services
In-person and online resources
Up to five sessions per person, per issue, per year

Contact EmployeeConnectSM
(888) 628-4824
GuidanceResources.com
Username: LFGsupport
Password: LFGsupport1

Lincoln LifeKeys

No matter how well you plan your life, you can be sure a few unforeseen challenges will arise. When they do, it’s reassuring to know that help and support are close at hand — thanks to LifeKeys® services from Lincoln Financial Group.

Services available to you and your dependents include:

Online will preparation
Financial services
Protection against identity theft
Grief counseling
Legal support
Beneficiary services

To use LifeKeys® services or for more information call
(855) 891-3684
GuidanceResources.com
First time users web ID = LifeKeys

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This information is designed to help you choose a benefit plan for 2022 only. Please refer to the Plan Documents provided by the carrier for information regarding coverage, limitations, and exclusions. If there is a difference between this guide and the Plan Documents, the Plan Documents prevail.