If you want to enroll in, change or cancel AD&D coverage for yourself or for your eligible dependents, you enroll online or call the Benefits Center. Your enrollment materials will contain information to help you make your enrollment elections. If you have questions about the enrollment procedure or need more information, contact the Benefits Center.
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“Contacts,” page A-1 When you enroll, you’ll:> Choose from the AD&D options available to you;
> Decide which of your eligible dependents (spouse and/or dependent children) you wish to cover, if any; and
> Authorize any required payroll deduction for the cost of the coverage you select.
WHEN TO ENROLL, CHANGE OR CANCEL COVERAGE
You can enroll, change or cancel AD&D coverage at any time. Evidence of insurability (EOI) is not required.
Employee Accidental Death & Dismemberment Insurance
WHEN COVERAGE BEGINS
The date coverage for you and/or your eligible dependents begins depends on when you enroll.
If you enroll or change your coverage: Coverage is effective:
Within 30 calendar days of your eligibility date (e.g., your hire date
or the date you first become eligible to participate) On your eligibility date
More than 30 calendar days after your eligibility date On the first day of the month coincident with or following your enrollment
During annual enrollment1 On the following Jan. 1
Any other time during the year1 On the first day of the month coincident with or following your enrollment
When you return to work as a regular full-time or regular part-time employee on or before expiration of a leave of absence and did not continue insurance during leave
> If you re-enroll WITHIN 30 calendar days of your return to work: On the day you return to work
> If you re-enroll MORE THAN 30 calendar days after your return to work: On the first day of the month coincident with or following your enrollment
When you acquire a spouse or your first dependent child for dependent coverage1
> If you enroll WITHIN 30 calendar days after acquiring the new dependent: On the date you acquired the new dependent
> If you enroll MORE THAN 30 calendar days after acquiring the new dependent: On the first day of the month coincident with or following your enrollment
When you return to work as a regular full-time or regular part-time employee from a leave of absence-Labor Dispute of 30 or less calendar days, your coverage prior to the leave will automatically be reinstated
On your eligibility date
When you return to work as a regular full-time or regular part-time employee from a leave of absence-Labor Dispute of more than 30 calendar days
> If you enroll WITHIN 30 calendar days of your eligibility date:
On your eligibility date
> If you enroll MORE THAN 30 calendar days following your eligibility date: On the first day of the month coincident with or following your enrollment
1 You cannot increase coverage while you are on a leave of absence.
For all of the dates shown in the chart above, coverage (or a coverage change) begins for you and any enrolled dependents only if you’re actively at work on that day.
Otherwise, coverage will begin on the first date you’re actively at work.
CHANGING YOUR COVERAGE
You can enroll in the AD&D Plan, or change or cancel your Plan elections at any time.
> Coverage changes will be effective on the first of the month coincident with or following your enrollment.
> Once you’re enrolled in the Plan, increases or decreases in your coverage amount can be made in $10,000 increments.
IF YOU TAKE A LEAVE OF ABSENCE
If you’re on a leave of absence, you may continue coverage for yourself and your dependents during the approved leave period — provided you make any required payments for coverage when they’re due.> During your leave, you pay the same cost for coverage that an active employee would pay for individual and/or dependent AD&D coverage.
– If you’re on a paid leave, your monthly costs will continue to be deducted from your paycheck on an after-tax basis.
– If you’re not receiving a paycheck from the Company, you’ll pay the cost for coverage to ConocoPhillips on an after-tax basis. (ConocoPhillips will bill you for the cost for coverage.)
> If coverage continued during your leave of absence, when you return to work the Company will resume deducting the insurance costs from your paycheck on an after-tax basis.
If you end your coverage while you’re away on leave — or if your coverage is ended due to non-payment of required costs — you must meet the same enrollment criteria as an active employee if you want to re-enroll in the Plan upon your return to work.
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“Who Is Eligible,” page H-3; “How to Enroll, Change or Cancel Coverage,” page H-4IF YOU HAVE A LEAVE OF ABSENCE- LABOR DISPUTE
If you’re placed on a leave of absence-Labor Dispute, coverage for you and your dependents will end on the last day of the month in which the leave begins. You may continue coverage for yourself and your dependents during the leave under continuation provisions. See the chart on page H-5 for coverage after you return to work.
If you are on a leave of absence-Labor Dispute during a regularly scheduled annual enrollment, you won’t be eligible and a special annual enrollment period will be provided after you return from the leave of absence-Labor Dispute.
What the Plan Costs
You pay the entire cost of your AD&D coverage with after-tax dollars deducted from your pay each month.
The cost of AD&D coverage may change from year to year. The price for coverage for dependent children is the same, regardless of the number of children covered.
When you enroll, you’ll receive information about how to access the current costs.
The Benefits Committee reserves the right to recover any underpayments by the employee or eligible dependent made through error or otherwise, by offsetting future payments, invoicing the affected participant, or by other means as the Benefits Committee deems appropriate.
Employee Accidental Death & Dismemberment Insurance