If eligible, your basic life insurance coverage begins automatically on the first of the month following two months of continuous service.

Supplemental life, dependent life and accidental death and dismemberment (AD&D) insurance coverages begin on the first of the month following two months of continuous service, if you submit your enrollment form at least 31 days from your eligibility date. If you are not actively at work on the day your coverage would normally begin due to injury, illness, layoff or leave of absence, the coverage will become effective on the date you return to an active work status.

If you enroll your eligible dependents, their coverage begins on the same date as your own. Your dependents’ coverage may also begin on a later date when they become eligible, provided you enroll them.

Generally, your life and AD&D coverage ends when you:

Coverage also ends if the plan is terminated, your employer stops participating in the plan or the plan is amended to terminate coverage for a group or class of individuals that includes you.

You may apply to convert your basic, supplemental and dependent life insurance (but not AD&D insurance) to a personal policy offered by the insurance carrier if coverage terminates for one of the following reasons:

You must apply and pay your premium for individual coverage within 31 days after your group coverage ends. You will not be required to provide evidence of insurability. Your rates will be different than the rates for active DallasNews Corporation employees.

If you apply for a personal policy because your employment terminated or you lose eligibility, you may choose any life insurance amount up to the amount of basic and supplemental life coverage you had as an active employee. The minimum is $10,000.

If you die during the 31-day conversion period, whether or not the conversion policy for basic, supplemental life and/or dependent life insurance has been applied for, your beneficiary will receive a death benefit equal to the amount of basic, supplemental and/or dependent life insurance coverage you would have been eligible to convert.

If supplemental life and dependent life ends (for any reason other than for non-payment of premium), you may elect to continue the coverage by making payments directly to Lincoln Financial. The written application for portability of supplemental life and dependent life, including a proof of good health form, must be made to Lincoln Financial within the 31-day period following the date coverage ends. The cost of the coverage is the same as the cost for active employees. Portable coverage will be effective on the date Lincoln Financial approves the application for coverage.

Continuation of the supplemental life and/or dependent life insurance will end on the earliest of: