Changes

The plan offers four levels of coverage: Basic and three Options (A, B, and C):

The plan offers four levels of coverage: Basic and three Options (A, B, and C):

*Basic coverage is calculated at current salary, rounded upward to the next $1,000, plus an additional $2,000.  It also offers an "Extra Benefit" equal to an additional 100% of coverage if an employee dies at age 35 or younger, decreasing by a factor of 10% each year until age 45 at which time the Extra Benefit ceases to exist.  Further it offers AD&D coverage equal to 100% of coverage upon death (above and beyond regular and Extra Benefit coverage) and 50% of coverage for loss of a hand, foot, or sight in one eye (but no more than 100% of coverage in any one incident).

*Basic coverage is calculated at current salary, rounded upward to the next $1,000, plus an additional $2,000.  It also offers an "Extra Benefit" equal to an additional 100% of coverage if an employee dies at age 35 or younger, decreasing by a factor of 10% each year until age 45 at which time the Extra Benefit ceases to exist.  Further it offers AD&D coverage equal to 100% of coverage upon death (above and beyond regular and Extra Benefit coverage) and 50% of coverage for loss of a hand, foot, or sight in one eye (but no more than 100% of coverage in any one incident).

*Option A is a flat $10,000 of additional coverage.  AD&D coverage is offered at $10,000 upon death and $5,000 for loss of a hand, foot, or sight in one eye (but no more than $10,000 of coverage in any one incident).

*Option A is a flat $10,000 of additional coverage.  AD&D coverage is offered at $10,000 upon death and $5,000 for loss of a hand, foot, or sight in one eye (but no more than $10,000 of coverage in any one incident); this is in addition to regular coverage.

*Option B offers coverage multiples of 1, 2, 3, 4, or 5 times current salary, rounded upward to the next $1,000.  AD&D coverage is not available under this option.

*Option B offers coverage multiples of 1, 2, 3, 4, or 5 times current salary, rounded upward to the next $1,000.  AD&D coverage is not available under this option.

*Option C covers spouses and family, and offers multiples of 1, 2, 3, 4, or 5 times $5,000 for spouse and $2,500 for each child.  AD&D coverage is not available under this option.

*Option C covers spouses and family, and offers multiples of 1, 2, 3, 4, or 5 times $5,000 for spouse and $2,500 for each child.  AD&D coverage is not available under this option.