PROGRAM BENEFITS

FEDERAL FIRST Voluntary Term Life Insurance Program

Underwritten by Aetna Life Insurance Company (Aetna)

Who is Eligible?

An eligbile employee is:

  • A regular active, benefited full-time employee of the Judicial Branch of the U.S. Government working 20 or more hours per week during your employer's work week; and
  • A qualified member as defined in the by-laws of the National Conference of Bankruptcy Clerks or Federal Court Clerks Association.

You will be eligible to enroll for coverage as of the day you meet the definition of an eligible employee as defined above.

Term Life Insurance Program Benefits*

Selecting the right amount of life insurance coverage is personal. With the FEDERAL FIRST Voluntary Term Life Insurance Program, eligible employees can elect from a range of coverage options to help you make the right choice for your individual needs and financial situation.

Active Employee
  • You can elect coverage in $10,000 increments up to the lesser of $500,000 or 5 times your base annual earnings.

When you elect coverage for yourself, you may elect Family Coverage where you can get coverage for your spouse and dependent children. Dependent children are those age 14 days to 19 years or to age 25 if unmarried and a full-time student.

The Family Coverage is a package and cannot be separated to cover only a spouse or only a child.


Family Coverage - For Your Spouse and Dependent Children
  • You can elect one of the following options:
    • Option 1: $ 5,000 Spouse / $ 2,500 per Child
    • Option 2: $10,000 Spouse / $ 5,000 per Child
    • Option 3: $15,000 Spouse / $ 7,500 per Child
    • Option 4: $20,000 Spouse / $10,000 per Child
    • Option 5: $25,000 Spouse / $12,500 per Child

Please note that Family Coverage is a package and cannot be separated to cover only a spouse or only a child. Your spouse and dependent children combined coverage cannot exceed 100% of your employee coverage.


* This Voluntary Term Life Insurance Program is available from July 1, 2008.

Guaranteed Acceptance Coverage Amounts

Each newly eligible employee is given the opportunity to elect guaranteed acceptance amounts of coverage during their introductory enrollment period. This means that during the 60 days following your date of eligibility you may purchase - without answering medical questions or completing a medical questionnaire - the following guaranteed acceptance amounts of coverage for yourself and for your dependents. If you elect coverage above the guaranteed amount, you will need to provide evidence of insurability.

Active Employee
  • You can elect coverage in $10,000 increments up to the lesser of $100,000 or 2 times your base annual earnings.
For Your Spouse and Dependent Children
  • You can elect any one of the five available coverage options, provided the coverage under the option you choose is not more than the coverage amount you elected for yourself.

Evidence of insurability is required:

  • For coverage amounts requested in excess of the amounts shown above if you enroll within your introductory enrollment period.
  • For any amount of coverage you elect for yourself and your spouse if you enroll after your introductory enrollment period.

If Evidence of insurability (EOI) is required, FEDERAL FIRST will process your application for coverage up to the Guaranteed Acceptance amount.

Aetna will provide you with instructions to provide evidence of insurability. If you enroll during the initial open enrollment period, Aetna will send EOI materials and instruction at the close of the enrollment period.

Benefit Features You Can use Today

The FEDERAL FIRST Voluntary Term Life Insurance Program includes these benefit features, too.

  • Portability

    You may take your voluntary term life insurance coverage with you if you leave your current employer for any reason other than disability and you do not exceed age 98. Aetna will bill you directly. If you are disabled, your coverage is not portable.



    FEDERAL FIRST will send you portability information and forms when you have coverage under this term life insurance program. You can also get information and forms here.
  • Conversion

    You may convert your voluntary term life insurance to an individual life insurance policy within 60 days of your loss in coverage: if you terminate employment, are no longer eligible for coverage, or your coverage reduces due to age, pension or retirement.



    FEDERAL FIRST will send you conversion information and forms when you have coverage under this term life insurance program. You can also get information and forms here.
  • Accelerated Death Benefit (ADB)

    If you have a terminal illness with a life expectancy of no longer than 24 months, your voluntary term life policy will pay - while you're still alive - 75% of your life insurance benefit to a maximum of $375,000. The minimum payment is $5,000. This feature is only included under the employee term life insurance coverage. It's not included under the spouse and dependent coverage.



    By receiving an advanced benefit, you can use the money to help pay expenses not covered by your medical plan, enable you to visit relatives and get your affairs in order. Your beneficiry will receive the rest of the life insurance benefit upon your death. The advance benefit may only be requested once and it is generally not subject to income tax.
  • Premium Waiver

    Aetna will waive your allotment if you are less than age 60 and have been totally and permanently disabled for nine months. You won't have to make allotments until the earlier of the date you recover, reach the amended 1983 Social Security Normal Retirement Age or your retirement date. To stop your allotment, a $0.00 Form 1199A must be processed by your payroll servicing personnel.

Services and Resources You Can Use Today... and Tomorrow

The FEDERAL FIRST Voluntary Term Life Insurance Program includes Aetna Life EssentialsSM. Once you are insured under the voluntary term life insurance program, you'll have access to services and resources you may need during your life, at the end of your life and later to help the ones you love.

Here's a sampling of services available. Click here for more information about Life EssentialsSM.

  • Financial Guidance and Legal Services

    Enjoy financial guidance from JPMorgan Chase.1 Get help with short and long-term financial goals. Explore investment programs.
  • Legal Services

    Legal information is available through ARAG© Services, LLC.2 Need legal forms to help with estate planning? Get free forms to create living wills and more. There's also information to help protect against identity theft.
  • Bereavement and Counseling Services

    We're ready to listen. We give you, your family members, and caregivers bereavement and grief counseling sessions by phone for up to one year. Counseling is also available by phone - up to three calls - to beneficiaries during the twelve months following an insured individual's death. It's all confidential. A professional is here for you.
  • Our Compassionate Care Website

    Log on. We'll help you and your loved ones begin talking about end-of-life issues. You'll find end-of-life care information, plus facts about living wills and more. We even have checklists to help you organize your important papers and contacts.
  • A Care Advocate

    You have someone to lean on. As an insured member, you'll have access to a licensed social worker who can help you make important decisions as you near the end of life.

The voluntary term life insurance program contains exclusions and limitations. Click here to learn more about Limitations and Exclusions.

1. Securities (including mutual funds and variable annuities) and investment advisory services are offered through Chase Investment Services Corp. (CISC) or affiliated broker/dealers. Annuities and insurance products are provided by various insurance companies and offered through Chase Insurance Agency, Inc. (CIA), a licensed insurance agency doing business as Chase Insurance Agency Services, Inc. in Florida. CISC, a member of NASD/SIPC, and CIA are affiliates of JPMorgan Chase Bank, N.A. Products not available in all states. JPMorgan Chase Bank, N.A., and its affiliates do not offer legal or accounting advice to their clients. Clients are urged to consult with their own legal, accounting and tax advisors with respect to their specific situations. Aetna does not warrant or guarantee and makes no representations as to the quality of services offered by CISC. NOT A DEPOSIT NOT FDIC INSURED NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY NOT GUARANTEED BY THE BANK MAY GO DOWN IN VALUE. Available to Aetna Group Insurance members through arrangement with Aetna Life Insurance Company.

2 . The Legal Reference Program is independently administered by ARAG® Services LLC. Aetna does not participate in attorney selection or review, nor does it monitor the services, content or network. Aetna does not warrant or guarantee or make any representations as to the quality of the services of ARAG or of any attorney in the ARAG network. Aetna has not credentialed or otherwise reviewed or assessed the quality of ARAG services or ARAG contracted law firms or lawyers. ARAG does not provide Aetna with any individually identifiable information whatsoever on legal inflation accessed or legal services used by eligible individuals. Aetna has provided its policyholders with access to ARAG programs and services but has no responsibility for those services. Aetna does not receive a marketing fee from ARAG in conjunction with the Legal Reference Program.

This voluntary long term program contains Limitations and Exclusions.

Policy forms issued in OK include: GR-9/GR-9N.

Privacy Statement ©2008 FEDERAL FIRST

Form 26.36.310.1 (IL) 06-08