Modified Open Enrollment: Plan Details

Protect Yourself and Your Family

The PEF Membership Benefits Program has you and your family’s financial future in mind. During the Modified Open Enrollment from September 1 to November 20, 2018, you can safeguard your family’s financial future by enrolling in, or increasing your level of coverage in Sun Life’s Group Term Life, Short-Term Disability,* and Long-Term Disability insurance plans—with no medical questions asked for certain amounts.1

The PEF Membership Benefits Program is pleased to introduce several new features for the Short-Term Disability insurance and Group Term Life insurance:

For Group Term Life, effective September 1, 2018:

  • Current GTL enrollees benefit from a 5% rate reduction.2
  • All new enrollees benefit from this new low rate upon enrollment.
  • Dependent children coverage automatically increases from $4,000 to $15,000.

For Short-Term Disability, effective September 1, 2018:

  • A $600 and $700 level of coverage is available with the 26 week STD plan.
  • The guaranteed issue limit of $300, increases to $400.

Here’s what you need to know for each plan type?

*New York State employees are not eligible for New York State Disability Benefits Law coverage.
**Monthly income is based on your salary on file at the time of disability.

Learn More About: Short-Term Disability, Long-Term Disability, Group Term Life

Watch for your Personalized Enrollment Kit to be mailed the 1st week of September 2018. Enrollment begins September 1, 2018, with the completion of a hard copy enrollment form or online enrollment form.

About the online insurance form enrollment process:

  • The online form is designed for use with the following browsers:
    • Internet Explorer 9, 10, or 11
    • Firefox 31
    • Safari 5.1 update 10 or greater, 6.0 update 5 or greater, 6.2 x, 7.1 x, or 8.0 x
    • Chrome 34
    • Other versions may prompt users to allow a pop-up window. Please allow pop-ups for this page to complete the online form submission.
  • Have your Personalized Enrollment Kit handy. Each kit contains a personalized letter and your Membership Identification Number (MIN) that you will need to access your online enrollment form.
  • If you will be choosing Group Term Life Insurance, you will need to have dependent information readily available (if applicable).
  • You will only see insurance enrollment forms applicable to your personal options for the Modified Open Enrollment period.
  • You will be required to complete the insurance enrollment form during one sitting. You cannot save your partial data and come back to complete the form at a later time. The form will not time out, but you must complete and submit in one sitting.
  • Once you complete the entire form, hit the “submit” button.
  • After you submit your form, you will receive a confirmation notice that your application has been submitted for processing. If you do not receive that confirmation message, you may need to hit the “submit” button again.
  • Even though you have submitted an insurance enrollment form, do not assume that you are automatically enrolled. All forms will be carefully reviewed to: (1) ensure you have only enrolled in the insurance options you are eligible for at this time and, (2) to verify accuracy of data.
  • Do not submit both an online enrollment form and a paper enrollment form.

If you prefer to enroll via a paper insurance enrollment form, complete and return the paper form in your kit, or click the download insurance form button below to access a form.

All forms must be submitted online and/or postmarked by midnight, November 20, 2018.

All insurance enrollment forms are reviewed by PEF Membership Benefits Program insurance team. You may be contacted by a representative in order to clarify data submitted and/or to provide additional information required. The PEF Membership Benefits Program reserves the right to reject enrollment forms that do not meet eligibility requirements.

Once you have submitted your enrollment form: Watch your pay stub for insurance deductions as verification that your enrollment form has been processed and approved. You will receive a letter confirming your insurance enrollment and in the future, you will receive a policy booklet. You will also be notified if you are denied coverage.

Steps to Enroll Online Beginning September 1, 2018:

  1. Look for the Modified Open Enrollment Banner on the PEF Membership Benefits Program website.
  2. Click on the banner (or go to the Insurance tab and look for the Modified Open Enrollment tab) and enter your Membership Identification Number (MIN) on the “Sign In” page.
  3. Access your personalized online insurance form, pre-populated with data we have on file.
(Please note: PEF retirees, PEF associate members, and fee payers are not eligible to participate in Modified Open Enrollment and will not see the banner.)

Steps to Enroll By Mail Beginning September 1, 2018:

  1. Use the buttons below to download, print, and complete the desired insurance form(s). (Forms available for download September 1, 2108)
  2. Mail form(s) to PEF MBP, 10 Airline Drive, Suite 101, Albany, NY 12205 (Faxed/emailed insurance forms will not be accepted.)


When Do I Need to Use the Evidence of Insurability Form?

During the Modified Open Enrollment period, you ONLY need to complete and return the Evidence of Insurability (EOI) Form if: (1) the amount you apply for exceeds what your are eligible to enroll in/increase to, or (2) if a PEF MBP representative requests that you complete the EOI form.  You will also need to complete and EOI form if you decide to enroll in a plan or increase your coverage after the Modified Open Enrollment period has ended.

Questions? Email PEF Membership Benefits Program
or call (518) 785-1900, or (800) 342-4306, ext. 243.

*New York State employees are not eligible for New York State Disability Benefits Law coverage.
1If the amount you apply for exceeds the Guaranteed Issue amount or if you want to elect coverage or increase coverage at a later date, you are required to complete and submit an Evidence of Insurability application, which must be approved by Sun Life prior to coverage taking effect. For additional information, contact the PEF Membership Benefits Program.
2Current Group Term Life enrollees with the Premium Waiver option are not eligible for the 5% rate reduction.
Group life and disability insurance policies are underwritten by Sun Life and Health Insurance Company (U.S.) (Lansing, MI) under Policy Form Series 15-GP-01, 13-GP-LF-01, 13-LF-C-01, 12-GPPort-P-01, 13-LFPort-C-01, 15-LF-GP-01, 15-LF-C-01, 12-GPPort-P-01, 15-LFPort-C-01, 13-GP-LH-01 and 13-ADD-C-01, 13-LTD-C-01, 13-STD-C-01, 06P-NY-DBL, 12-GPPort-01, and 12-STDPort-C-01.
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