Life Insurance
Elmet Technologies provides employer-paid basic life insurance for employees through OneAmerica. The plan includes Accidental Death and Dismemberment coverage, or AD&D. If you pass away as a result of an accident, the plans also pay either the amount of your life insurance or a percentage for loss of limbs, speech, hearing, and more.
Elmet Technologies also offers voluntary term life insurance for employees, spouses, and children. Consider your current coverage and whether it would provide adequate protection for your family in the event of your death. These plans also include AD&D coverage.
BASIC LIFE
Elmet Technologies provides basic life coverage at no cost to you in the amount equal to 1.5X base annual earnings, rounded to the next highest $1,000, up to a maximum of $500,000.
VOLUNTARY LIFE
You may elect voluntary life insurance for yourself and your dependents through payroll deduction to supplement the basic life benefit.
- Employee Life: Up to a maximum of the lesser of $750,000 or 5 times your annual earnings in increments of $1,000.
- Spouse Life: Up to 100% of employee amount to a maximum of $250,000 in the increments of $5,000. Spouse rate is based on employee age.
- Child Life: $5,000 or $10,000 up to age 26 (Guarantee Issue: Up to $10,000)
NEW HIRE GUARANTEE ISSUE
As a new hire, you are able to elect up to the Guarantee Issue amounts of $200,000 for yourself, $30,000 for your spouse, and $10,000 for your child(ren) with no health questions.
Should you wish to elect an amount that exceeds the Guarantee Issue, an Evidence of Insurability (EOI) application is required.
Evidence of Insurability (EOI)
New elections at Annual Open Enrollment, or New Hire elections above the Guarantee Issue amount(s), require Evidence of Insurability (EOI) application(s).
You will not be payroll deducted for your pending amount unless/until you are approved.
Selecting the right amount of insurance is important to ensure you and your loved ones are financially protected. OneAmerica's enhanced Evidence of Insurability (EOI) digital solution streamlines the process with a secure step-by-step easy to comprehend application, available 24/7 on any smartphone, tablet or computer.
Login Process
- Get started by going to www.oneamerica.com/eoi
- Choose your login type: Employee.
- Fill in your client ID, work email address, first and last name. Hit “Submit”.
- You will receive an email containing your unique link and additional information on accessing the online EOI application.
- Click your unique email link to continue to our secure digital solution.
Application Process
- Once your personal identification information is verified, click “Start Now” to begin the process.
- Select your OneAmerica Company Insurance coverage(s).
- Fill in personal demographic information
- If you are requesting spouse/domestic partner coverage when EOI is required, please fill-in their name and unique email address so they can be prompted to complete the EOI process once you have submitted your application.
- Complete health questions
- Review and sign via DocuSign
Response Process
- Receive immediate response.
- If approved, you and your employer will receive a confirmation email.
- Please also send the Elmet Benefits Service Center a copy of the confirmation email at questions@elmetbenefits.com
- If referred, you will receive an email or letter via the United States Postal Service (USPS) outlining the additional information needed.
- If declined, you will receive a letter via USPS with more information.
- If approved, you and your employer will receive a confirmation email.
Please visit bit.ly/eoiDigitalSolutionFAQ to view One America's frequently asked questions, or contact One America's Employee Benefits Customer Engagement Center at (800) 553-5318.
Client ID: U528135
Policy #: 00621823-0000-000
Age Reductions
The basic life benefits are reduced due to age based on the schedule below. The change will take place on January 1 following the 65th birthday.
35% reduction at age 65
60% reduction at age 70
75% reduction at age 75
The voluntary life benefits are reduced due to age based on the schedule below. The change will take place on January 1 following the 70th birthday.
60% reduction at age 70
75% reduction at age 75
Continuing Coverage After Separation
You have the opportunity to continue your life insurance benefit should you terminate employment with Elmet Technologies if certain conditions are met and if application and premium payment are made within 31 days of your coverage end date.
Additional information regarding your options may be obtained by contacting OneAmerica or by visiting the Resources page.
Important Notes
- There is no age cap to be eligible to enroll
- Spouse life cannot exceed 100% of employee amount
- Child(ren) can be covered until age 26
- Beneficiary information is required upon enrollment
- Accidental Death and Dismemberment (AD&D) coverage is included
- Benefit is doubled in the event of death due to accident
- Dismemberment benefit is paid according to a schedule outlined in the certificate
- If you are married to another Elmet Technologies employee:
- Duplicate coverage is allowed:
- You can both elect employee and spouse life coverage
- You can both elect to cover the child(ren)
- Duplicate coverage is allowed:
