Survivor Benefits

It’s hard to think about, but it’s important to have a plan in place to provide for your family if something were to happen to you. Survivor benefits provide financial protection in the event of an unexpected event.

Survivor Benefits

Coverages

Coverage	Amount	Who Pays	Benefits Payable	Maximum Benefit	EOI Required
Basic Employee Life/AD&D	2x annual base pay	Lhoist North America	If you die, lose a limb, or suffer paralysis in an accident while covered under the Plan.	2x annual base pay to a maximum of $1,500,000	No
Voluntary Employee Life	1 to 4 times your annual base pay to a maximum of $1,500,000 combined with your Basic Term Life coverage amount.	Employee (voluntary, full cost)	If you die while covered under the Plan.	$1,500,000 combined with your Basic Term Life coverage amount.	Evidence of Insurability is required. New Hires: Eligible to elect $300,000 without answering medical questions if enrolling when first eligible. Amounts over $300,000 will require completion of EOI. Current Participants: During Annual Enrollment you may increase current coverage amount by 1 times your covered annual earnings, up to a total coverage amount of $300,000 without answering medical questions. Any Increase above 1x your covered earnings and/or $300,000 will require EOI.
Voluntary Spouse Life	$20,000, $50,000 or $75,000	Employee (voluntary, full cost)	If your spouse dies while covered under the Plan.	$75,000, not to exceed 100% of your combined Optional Term. You must elect at least 1x covered earnings for yourself to purchase coverage for your spouse.	New Hires: EOI is required for coverage amounts over $20,000. Current Employees: EOI is required for all coverage amounts.
Voluntary Child Life	$10,000	Employee (voluntary, full cost)	If your child dies while covered under the Plan.	$10,000. You must elect at least 1x covered earnings for yourself to purchase coverage for your dependents.	No
Voluntary Employee AD&D	1 - 4x annual base pay	Employee (voluntary, full cost)	If you die, lose a limb, or suffer from paralysis in an accident while covered under the Plan.	$1,500,000 combined with your Basic AD&D amount.	No
Voluntary Spouse AD&D	$20,000, $50,000 or $75,000	Employee (voluntary, full cost)	If your spouse dies, loses a limb, or suffers from paralysis in an accident while covered under the Plan.	$75,000	No
Voluntary Child AD&D	$10,000	Employee (voluntary, full cost)	If your child dies, loses a limb, or suffers from paralysis in an accident while covered under the Plan.	$10,000	No

Basic Employee Life/AD&D

Amount: 2x annual base pay
Who Pays: Lhoist North America
Benefits Payable: If you die, lose a limb, or suffer paralysis in an accident while covered under the Plan.
Maximum Benefit: 2x annual base pay to a maximum of $1,500,000
EOI Required: No

Voluntary Employee Life

Amount: 1 to 4 times your annual base pay to a maximum of $1,500,000 combined with your Basic Term Life coverage amount.
Who Pays: Employee (voluntary, full cost)
Benefits Payable: If you die while covered under the Plan.
Maximum Benefit: $1,500,000 combined with your Basic Term Life coverage amount.
EOI Required: Evidence of Insurability is required. New Hires: Eligible to elect $300,000 without answering medical questions if enrolling when first eligible. Amounts over $300,000 will require completion of EOI. Current Participants: During Annual Enrollment you may increase current coverage amount by 1 times your covered annual earnings, up to a total coverage amount of $300,000 without answering medical questions. Any Increase above 1x your covered earnings and/or $300,000 will require EOI.

Voluntary Spouse Life

Amount: $20,000, $50,000 or $75,000
Who Pays: Employee (voluntary, full cost)
Benefits Payable: If your spouse dies while covered under the Plan.
Maximum Benefit: $75,000, not to exceed 100% of your combined Optional Term. You must elect at least 1x covered earnings for yourself to purchase coverage for your spouse.
EOI Required: New Hires: EOI is required for coverage amounts over $20,000. Current Employees: EOI is required for all coverage amounts.

Voluntary Child Life

Amount: $10,000
Who Pays: Employee (voluntary, full cost)
Benefits Payable: If your child dies while covered under the Plan.
Maximum Benefit: $10,000. You must elect at least 1x covered earnings for yourself to purchase coverage for your dependents.
EOI Required: No

Voluntary Employee AD&D

Amount: 1 - 4x annual base pay
Who Pays: Employee (voluntary, full cost)
Benefits Payable: If you die, lose a limb, or suffer from paralysis in an accident while covered under the Plan.
Maximum Benefit: $1,500,000 combined with your Basic AD&D amount.
EOI Required: No

Voluntary Spouse AD&D

Amount: $20,000, $50,000 or $75,000
Who Pays: Employee (voluntary, full cost)
Benefits Payable: If your spouse dies, loses a limb, or suffers from paralysis in an accident while covered under the Plan.
Maximum Benefit: $75,000
EOI Required: No

Voluntary Child AD&D

Amount: $10,000
Who Pays: Employee (voluntary, full cost)
Benefits Payable: If your child dies, loses a limb, or suffers from paralysis in an accident while covered under the Plan.
Maximum Benefit: $10,000
EOI Required: No

Voluntary Employee Life Insurance - Premium Rates/$1000

AGE(AS OF JANUARY 1,2027)	EMPLOYEE
0-29	$0.070
30-34	$0.080
35-39	$0.097
40-44	$0.150
45-49	$0.246
50-54	$0.414
55-59	$0.642
60-64	$1.000
65-69	$1.808
70+	$2.060

0-29

EMPLOYEE: $0.070

30-34

EMPLOYEE: $0.080

35-39

EMPLOYEE: $0.097

40-44

EMPLOYEE: $0.150

45-49

EMPLOYEE: $0.246

50-54

EMPLOYEE: $0.414

55-59

EMPLOYEE: $0.642

60-64

EMPLOYEE: $1.000

65-69

EMPLOYEE: $1.808

70+

EMPLOYEE: $2.060

Voluntary Spouse Life Insurance - Premium Rates/$1000

Coverage Amount	Spouse rate
$20,000	$3.016
$50,000	$8.880
$75,000	$13.320

$20,000

Spouse rate: $3.016

$50,000

Spouse rate: $8.880

$75,000

Spouse rate: $13.320

Voluntary AD&D Insurance - Premium Rates/$1000

Coverage	Monthly Rate
Rate	$0.048

Rate

Monthly Rate: $0.048

Voluntary Child Life Insurance - Premium Rates/$1000

Coverage	Monthly Rate
Rate	$1.128

Rate

Monthly Rate: $1.128