Our condolences on your
loss. Hopefully, this section can assist you somewhat in at least
organizing and clarifying some things for you with regards to your
Benefits as you go through this tough time.
If the deceased was
covered for Life Insurance, the claim process for these coverages is
one of the first things to get underway. Please consult your
Benefits Department for the necessary forms to be completed,
and they will submit them to the appropriate insurance companies
With regards to the
Medical, Dental and/or Vision coverages, if the death was an
employee participating in those coverages, the dependents who were
also covered can elect COBRA continuation of those coverages for a
period of up to 36 months, paying the necessary premiums. The
dependents will receive notification of their rights under COBRA,
and from that notification date, they will have a period of 60 days
to apply for the COBRA continuation and pay the necessary premiums.
If the death was a
covered dependent, and if the employee participates in the Flexible
Spending Account/Dependent Care Account, the employee may choose at
this time to decrease or cease the contribution to this account for
the dependent. Again, please contact your Benefits Department for the
necessary forms to be completed.