Group Term Life Insurance and Accidental Death and Dismemberment Insurance

For Plan Year Beginning September 1, 2011

Group term life (GTL) insurance can help ensure financial security for your family and loved ones upon your death. Accidental death and dismemberment (AD&D) insurance gives you added financial protection by paying full benefits in the case of accidental death and partial benefits for certain losses due to accidental injury. UT System, through the vendor Dearborn National, provides eligible employees with basic GTL and AD&D as part of the basic coverage package. Eligible employees also have the opportunity to purchase additional employee and dependent coverage at group rates.

Basic Group Term Life (GTL) Benefits

Basic group term life insurance in the amount of $20,000 is a part of the basic coverage package. Full time eligible employees enrolled in the UT SELECT Medical plan are automatically enrolled in the basic GTL at no cost and without evidence of insurability (EOI).

Voluntary Group Term Life Options

Coverage Level	Benefit Amount
Employee Voluntary GTL	1 to 6 times Annual Compensation up to a maximum of $1,500,000
Dependent Voluntary GTL*	$10,000 (Benefit amount for spouse and each eligible dependent child)
Additional Spouse Voluntary GTL**	$15,000 or $40,000 in addition to the $10,000 Dependent Voluntary GTL

* Employee must be insured in employee voluntary GTL benefits in order to elect benefits for spouse and/or dependent children.
** The additional spouse voluntary GTL benefit may be elected only if the employee has voluntary GTL coverage of at least 1 times annual compensation and dependent voluntary GTL coverage.

Evidence of insurability (EOI) is required for:

• employee voluntary coverage of 4, 5, or 6 times annual compensation;
• additional spouse voluntary GTL; or
• any amount added after the initial 31 days of eligibility for Employee and Spouse Coverage.

The dependent voluntary GTL premium provides coverage of $10,000 for each eligible dependent regardless of how many dependents are covered. Employee voluntary GTL and additional spouse voluntary GTL premium is based on the enrolled person's age and benefit coverage level. Please see the Benefits Cost Worksheet.

Basic Accidental Death and Dismemberment (AD&D) Benefits

Basic accidental death and dismemberment (AD&D) insurance in the amount of $20,000 is part of the basic coverage package.

Full time eligible employees enrolled in the UT SELECT Medical plan are automatically enrolled in the basic AD&D at no cost and without evidence of insurability (EOI).

Voluntary Accidental Death and Dismemberment Options

Coverage Level	Benefit Amount
Employee Voluntary AD&D (available with or without Basic AD&D)	Increments of $10,000 up to $1 million or 10 times annual compensation, whichever is less.
Spouse Voluntary AD&D*	Increments of $20,000 up to one-half of the employee voluntary AD&D benefit in force or $500,000, whichever is less.
Dependent Child Coverage*	$10,000 (benefit per eligible child)

* Employee must be covered for at least $20,000 Employee Voluntary AD&D benefits to elect benefits for spouse or dependent children.

All amounts of AD&D coverage are guaranteed issue. No EOI is required for any increases in AD&D benefits during Annual Enrollment or during the plan year following a qualified change in status event.