Page 57 - Employee Handbook 1-2015 rev9

It is important to notify the Human Resources Department when you wish to make
a change in your beneficiary.

Q. Dependent Life Insurance

Dependent life insurance may be purchased by full-time employees at low group rates.
The following coverages are allowable:

Spouse ...................................................................................................................................$10,000
Children between 15 days - 19 years of age and up to 26 years if full-time student .............$5,000

Dependent Life Insurance remains in effect as long as you are an employee of the City.
At separation, it may be converted without medical examination provided you pay your
premiums on an individual basis. Premium information is available in the Human Resources
Department.

R. Permanent Universal Life Insurance

The City offers an optional permanent life insurance benefit. This benefit provides
permanent life insurance for employees and/or dependents. This life insurance will continue
even after an employee terminates employment with the City. The policy builds cash value and
the premiums are paid through payroll deduction. Premium rates are based on the age of the
employee and whether he/she is a smoker or non-smoker. Employees interested in this coverage
should arrange a meeting with the insurance company representative. Contact the Human
Resources Department for contact name and number.

S. Short-Term Disability Insurance

All full-time employees and temporary/part-time employees certified for benefits are
eligible for short-term disability insurance.

Coverage will be effective on the first day of the month following one month of
continuous employment or certification for benefits.

The benefit is from $100 - $650 per week subject to a maximum weekly benefit of 70%
of basic weekly earnings. Rates are based on age. Benefits begin on the first day of disability
due to an off-the-job accident and the eighth day of disability due to a sickness. In order to
receive benefits, you must be under the care of a licensed physician. During open enrollment,
employees who wish to enroll for coverage or increase the amount of coverage will be subject to
medical underwriting.

T. Long Term Care Insurance

Long-term care is a variety of support services that are provided for people who are
unable to take care of themselves, whether temporary or permanently. Individuals need long

City of Winston-Salem Employee Handbook November 2014 Revision 48