Voluntary Life Insurance & Accidental Death & Dismemberment (AD&D) Insurance

Additional Protection for the People Who Matter Most

The Bishop's School provides Basic Life Insurance coverage to eligible employees, but you may choose to increase your protection through Voluntary Life Insurance and AD&D coverage. This affordable benefit can help provide financial security for your loved ones if the unexpected happens.

Why Consider Additional Life Insurance?

Life insurance can help protect your family's financial future by providing a benefit that may be used for:

• Mortgage or rent payments
• Everyday living expenses
• Educational costs
• Outstanding debts
• Future financial needs

AD&D coverage provides additional protection in the event of a covered accidental death or serious covered accidental injury.

Coverage Options

Employee Coverage

You may elect additional Life Insurance and AD&D coverage ranging from $10,000 to $500,000 in increments of $1,000, up to five times your annual earnings. The combined total of Basic and Voluntary Life Insurance coverage cannot exceed $500,000.

• Eligible employees may elect up to $200,000 of coverage without medical underwriting.

Spouse Coverage

You may purchase Life Insurance and AD&D coverage for your spouse from $1,000 to $500,000 in increments of $1,000. To elect spouse coverage, you must first enroll in employee coverage. Spouse coverage cannot exceed 100% of your elected coverage amount.

• Eligible spouses may qualify for up to $30,000 of coverage without medical underwriting.

Child Coverage

You may purchase $10,000 of Life Insurance and AD&D coverage for your eligible children. One election covers all eligible children under the plan.

How to Enroll

Coverage becomes effective on the first day of the month following your election date. If your hire date or eligibility date falls on the first day of the month, coverage begins immediately with no waiting period.

Learn More

Watch the available Life Insurance educational resources to better understand:

• How life insurance protects your family
• The value of supplemental coverage
• AD&D benefits and protections
• Coverage options for dependents
• Planning for the Future Starts Today

Life insurance is one of the most important financial protection benefits you can provide for your loved ones. By supplementing the coverage offered by The Bishop's School, you can create a stronger financial safety net for your family and gain greater peace of mind.

Protect what matters most.

 Voluntary Life Insurance and AD&D coverage offers an affordable way to enhance your family's financial security and prepare for life's unexpected events.

Accident Insurance

Extra Financial Protection When Life's Accidents Happen

Accidents can happen when you least expect them. Unum Accident Insurance provides a cash benefit for covered injuries and related medical treatment, helping you manage unexpected expenses and focus on recovery.

How Accident Insurance Works

If you experience a covered accidental injury, Accident Insurance pays a fixed cash benefit based on:

The type of injury sustained

The treatment or services received

Coverage applies to eligible off-the-job accidents, from common injuries such as fractures and sprains to more serious accidental events.

Why Consider Accident Insurance?

A sudden accident can create expenses that add up quickly. Accident Insurance can help by providing cash benefits that you can use however you choose, including:

• Medical plan deductibles
• Copayments and coinsurance
• Emergency room expenses
• Transportation costs
• Everyday household expenses during recovery

Additional advantages include:

• No medical underwriting required for base coverage
• Convenient payroll deductions
• Portable coverage you can keep if you retire or leave The Bishop's School (direct billing applies)

Who Is Eligible?

Employees

• All full-time employees are eligible to enroll.

Spouse

Your spouse may enroll when you elect coverage for yourself.

Children

Eligible dependent children are covered from birth through age 25, regardless of marital or student status.

How to Enroll

Coverage becomes effective on the first day of the month following your election date.

If your hire date or eligibility date falls on the first day of the month, coverage begins immediately with no waiting period.

Need to File a Claim?

Filing a claim with Unum is simple. Additional resources are available to help you understand your coverage and submit claims quickly and easily.

Available Resources

• Accident Insurance Overview
• Unum Accident Insurance Video
• Plan Description and Benefit Details
• Claim Submission Instructions

Protect your finances from the unexpected.

 Accident Insurance provides an extra layer of protection, helping you cover costs when an accident affects you or your family.

Critical Illness Insurance

Financial Support When You Need It Most

A serious health diagnosis can have a major impact on your life, both emotionally and financially. Unum Critical Illness Insurance provides a lump-sum cash benefit after a covered diagnosis, giving you additional financial flexibility during a challenging time.

How Critical Illness Insurance Works

If you're diagnosed with a covered critical illness, you receive a cash benefit paid directly to you. Covered conditions may include serious illnesses such as:

• Heart attack
• Stroke
• Cancer
• Other covered critical illnesses outlined in the plan

The benefit is paid as a lump sum, and you decide how to use the money.

Why Enroll?

Even with comprehensive medical coverage, a serious illness can create unexpected expenses. Critical Illness Insurance can help you pay for:

• Medical plan deductibles and copays
• Treatment-related costs
• Travel and lodging expenses
• Household bills and everyday living expenses
• Childcare or caregiver support
• Lost income during recovery
• Coverage That Continues to Protect You

One unique feature of this coverage is that it can be used more than once.

After receiving a benefit for one covered condition, you may remain eligible for benefits for other covered critical illnesses and, in many cases, for the recurrence of a previously covered illness (excluding skin cancer). Recurrence benefits may be payable up to 100% of your elected coverage amount, subject to policy provisions.

Eligibility and Enrollment

Please refer to the plan details and ADP enrollment system for coverage options and rates.

Coverage becomes effective on the first day of the month following your election date.

If your hire date or eligibility date falls on the first day of the month, coverage begins immediately with no waiting period.

Resources Available

Explore the resources available to better understand your coverage:

• Critical Illness Insurance Flyer
• Be Well Benefits Information
• Plan Description
• Critical Illness Insurance Video
• Claim Submission Instructions
• Spanish-language resources
• Need to File a Claim?

If you experience a covered diagnosis, Unum provides a straightforward claim process designed to help you access benefits quickly and efficiently.

Prepare for the unexpected.

 Critical Illness Insurance provides valuable financial protection when facing a serious health condition, helping you focus on recovery instead of worrying about how to cover the costs.

Hospital Indemnity Insurance

Extra Financial Protection for Hospital Stays

A hospital stay can be stressful enough without worrying about unexpected expenses. Hospital Indemnity Insurance provides cash benefits that can help offset the financial impact of hospitalization, allowing you to focus on recovery and your family's well-being.

How Hospital Indemnity Insurance Works

If you or a covered family member experience a covered hospitalization due to an accident, illness, or childbirth, the plan provides cash benefits paid directly to you.

Unlike traditional medical insurance, these benefits are not paid to your healthcare provider. Instead, you decide how to use the money based on your needs.

Why Enroll?

Even with comprehensive medical coverage, a hospital stay can create additional financial burdens. Hospital Indemnity Insurance can help cover:

• Deductibles, copays, and coinsurance
• Unexpected medical expenses
• Transportation and lodging costs
• Childcare and household expenses
• Everyday bills during recovery
• Additional Advantages
• Benefits are paid directly to you
• Affordable group rates available through The Bishop's School
• Convenient payroll deductions
• HSA-compatible coverage
• Portable coverage that can continue if you leave employment or retire (direct billing applies)

Who Is Eligible?

Employees

All full-time employees are eligible to enroll.

Spouse

Your spouse may enroll when you elect coverage for yourself.

Children

Eligible dependent children are covered from birth through age 25, regardless of marital or student status.

How to Enroll

Coverage becomes effective on the first day of the month following your election date.

If your hire date or eligibility date falls on the first day of the month, coverage begins immediately with no waiting period.

Resources Available

Learn more about your coverage through the following resources:

• Hospital Indemnity Insurance Flyer
• Plan Description
• Hospital Indemnity Insurance Video
• Claim Submission Instructions
• Spanish-language resources
• Need to File a Claim?

Unum offers a straightforward claim process to help you access benefits quickly when you need them most.

Be prepared for more than just medical bills.

 Hospital Indemnity Insurance provides valuable financial support during hospital stays, helping protect your budget from unexpected costs and giving you greater peace of mind when it matters most.

Legal Insurance

Affordable Access to Legal Support When Life Happens

Legal issues can arise unexpectedly, from creating a will to buying a home or resolving a family matter. LegalEASE provides convenient access to experienced attorneys and legal resources, helping you protect yourself, your family, and your financial future with confidence.

How Legal Insurance Works

Through LegalEASE, you'll have access to a nationwide network of qualified attorneys who can assist with a wide range of personal legal matters. When you need legal support, LegalEASE helps match you with an attorney experienced in the specific area of law related to your situation.

Why Enroll?

Legal challenges can be stressful and expensive. Legal Insurance helps make professional legal assistance more accessible and affordable by providing:

• Access to attorneys with expertise tailored to your legal needs
• A nationwide network of experienced legal professionals
• Coverage for both in-network and out-of-network services
• Concierge support to help guide you through common legal matters
• Valuable protection for you and your family's legal and financial interests
• Common Legal Matters Covered

LegalEASE can assist with a variety of personal legal needs, including:

• Home & Residential
• Home purchases and sales
• Landlord-tenant matters
• Property-related legal concerns
• Financial & Consumer
• Consumer disputes
• Debt-related matters
• Financial legal issues
• Auto & Traffic
• Traffic violations
• Driver-related legal matters
• Vehicle-related disputes
• Family Matters
• Family legal concerns
• Domestic legal issues
• Personal legal guidance
• Estate Planning & Wills
• Wills and estate planning documents
• Legacy and asset protection planning
• Family estate-related matters

Who Is Covered?

Coverage extends beyond just employees and can help support your entire family, including:

• Employee
• Spouse
• Dependent children
• Parents

How to Access Your Benefits

Once enrolled, simply contact LegalEASE at 1-800-248-9000 and reference The Bishop's School to begin receiving assistance.

Peace of Mind for Everyday Life

Whether you're preparing important estate documents, navigating a real estate transaction, addressing a consumer issue, or handling an unexpected legal matter, LegalEASE provides trusted guidance and professional legal support when you need it most.

Protect what matters most.

 Legal Insurance gives you and your family access to experienced attorneys and legal resources, helping you navigate life's legal challenges with greater confidence and financial security.