Life & Disability
What happens to your family if something happens to you? You may want to consider supplemental coverage as an extra level of security.
Life and Accidental Death and Dismemberment
Momentive provides you with Life and AD&D insurance, which gives your family protection and security to cover expenses in the event of your death, such as burial expenses, ongoing mortgage payments, or any other outstanding debts.
You also have the option to purchase additional Life and AD&D insurance, Evidence of Insurability (EOI) rules apply, for yourself and your dependents. If you decline coverage as a new hire, you may be subject to EOI should you decide to enroll in the future.
Disability
Disability benefits help to protect you and your family if you become disabled and are not able to work because of an illness or accident. Disability coverage is administered through Lincoln Financial Group. Momentive provides Basic Short-Term Disability (STD) and Basic Long-Term Disability (LTD) at no cost to you. You can choose to purchase Supplemental STD (subject to eligible classes) or Supplemental LTD during annual enrollment, Evidence of Insurability (EOI) rules apply. Your cost for supplemental coverage will be displayed in the enrollment system.
Evidence of Insurability (EOI) — What Is It?
Evidence of Insurability (EOI) is documented proof of good health. An applicant begins the EOI/medical underwriting process by submitting a Medical History Statement (MHS), which along with other information obtained during the underwriting evaluation, is used by Lincoln Financial Group to make a determination.
EOI is generally required for coverage in excess of the guarantee issue amount, elections made after initial eligibility (late entrants), reinstatements due to non-payment and/or applications for previously-declined coverage.