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Posted March 23, 2017

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Life Insurance Includes Several Benefits

The Standard, which provides life insurance for APS employees, outlines its key benefits for eligible covered employees.

  • The Life Services Toolkit is an online resource that can help you draft a will, make advance funeral plans and get your finances in order.
  • The Accelerated Benefit Option allows you to apply for up to 75% of your total life insurance coverage amount if you are diagnosed with a terminal illness and have a life expectancy of 12 months or less. (Requires a minimum $10,000 Life benefit).
  • Continuation of Benefits enables you to port or convert your Life coverage within 60 days of leaving employment with APS.
  • Accidental Death & Dismemberment and Death by Auto Accident benefits are available on top of your Life insurance benefit under qualifying circumstances.
  • The Repatriation Benefit will cover the cost of transporting your body if you die more than 150 miles from home.
  • If you become disabled for a minimum of 180 days and are under age 60, you may apply for Waiver of Premium for your Basic Life coverage and any Additional/Dependent Life coverage you have.
  • UnitedHealthcare Global Travel Assistance provides a range of medical, security, legal and travel assistance services to you and your family members when traveling more than 100 miles from home.
Go here for additional information, including costs and complete coverage details.

The Standard will also offer support to your beneficiaries in their time of need.

  • Continuation of Benefits for Dependents enables Spouse and Child Life coverage to continue for five months – without premium payment – after your death.
  • Through Funeral Assignment, an adult beneficiary may assign payment from Life insurance proceeds directly to the funeral home to cover expenses.
  • The Life Services Toolkit offers beneficiaries access to helpful information online and expert consultations by phone.

The APS Employee Benefits Department can assist with enrolling for coverage*, making changes to your current benefit amount* or filing a claim. They may be reached by phone at 505-889-4859 or by email at

*Evidence of insurability (EOI) requirements may apply to employees who do not already have Additional Life insurance or want to increase their amount of Additional Life insurance coverage and to employees who want to add or increase Dependent Spouse Life coverage. EOI requires the employee and/or spouse to complete a Medical History Statement (MHS) that will be reviewed by The Standard’s underwriting team to determine eligibility for coverage. Contact the APS Employee Benefits Department to apply for coverage and for instructions to complete a MHS.

Go here for additional information, including costs and complete coverage details. These policies have exclusions, limitations, reductions of benefits and terms under which the policies may be continued in force or terminated. The Certificate of Coverage supersedes any information listed here.

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