[et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” admin_label=”breadcrumb-title-intro section” _builder_version=”4.18.0″ _module_preset=”default” custom_padding=”16px||80px||false|false” custom_padding_tablet=”14px||0px||false|false” custom_padding_phone=”14px||0px||false|false” locked=”off” global_colors_info=”{}”][et_pb_row custom_padding_last_edited=”on|tablet” _builder_version=”4.18.0″ _module_preset=”default” custom_margin=”0px||0px||false|false” custom_padding=”0px||0px|0px|false|false” custom_padding_tablet=”||67px||false|false” custom_padding_phone=”||67px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.18.0″ _module_preset=”default” global_colors_info=”{}”][dipi_breadcrumbs bc_custom_home=”on” bc_home_text=”Home” bc_home_url=”\/bilstein\/” bc_separator_icon=”5||divi||400″ bc_separator_size=”20px” bc_separator_color=”gcid-cda0448a-5641-4dd1-8a62-1961108990d4″ bc_separator_space=”1px” _builder_version=”4.18.0″ _module_preset=”default” items_text_color=”#0055be” items_font_size=”14px” items_line_height=”1em” active_text_color=”gcid-cda0448a-5641-4dd1-8a62-1961108990d4″ active_font_size=”14px” active_line_height=”1em” custom_margin=”0px|0px|48px|0px|false|false” custom_padding=”0px||0px|0px|false|false” global_colors_info=”{%22gcid-cda0448a-5641-4dd1-8a62-1961108990d4%22:%91%22active_text_color%22,%22bc_separator_color%22%93}”][\/dipi_breadcrumbs][et_pb_text admin_label=”Text — page title” _builder_version=”4.18.0″ _module_preset=”203e9f98-f439-4fbf-9d5d-c960ddb1bc77″ global_colors_info=”{}”]<\/p>\n
[\/et_pb_text][et_pb_text admin_label=”Text — page introduction” _builder_version=”4.18.0″ _module_preset=”2167960b-205b-4b8a-9dc8-7efe67d269b4″ global_colors_info=”{}”]<\/p>\n
Insurance coverage helps you plan for unexpected events and can be an important part of your financial wellness. Life and Accidental Death & Dismemberment (AD&D) insurance provides financial security to your loved ones if you suffer a serious accident. Don\u2019t forget to add a beneficiary in your benefit record for any coverage you have.<\/p>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ make_equal=”on” use_custom_gutter=”on” gutter_width=”2″ specialty=”on” custom_padding_last_edited=”on|desktop” padding_top_1=”0px” padding_top_2=”0px” padding_right_1=”0px” padding_right_2=”0px” padding_bottom_1=”0px” padding_bottom_2=”0px” padding_left_1=”0px” padding_left_2=”0px” padding_top_bottom_link_1=”false” padding_top_bottom_link_2=”false” padding_left_right_link_1=”false” padding_left_right_link_2=”false” _builder_version=”4.18.0″ _module_preset=”default” custom_margin=”|0px|0px||false|false” custom_padding=”0px||50px||false|false” custom_padding_tablet=”0px||40px||false|false” custom_padding_phone=”0px||40px||false|false” global_colors_info=”{}”][et_pb_column type=”2_3″ specialty_columns=”2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_row_inner use_custom_gutter=”on” gutter_width=”2″ _builder_version=”4.18.0″ _module_preset=”default” custom_margin=”0px||55px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column_inner saved_specialty_column_type=”2_3″ _builder_version=”4.18.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.18.0″ _module_preset=”f076844f-ce13-48af-86e4-ac684390b521″ custom_margin=”||45px||false|false” custom_margin_tablet=”||40px||false|false” custom_margin_phone=”||40px||false|false” custom_margin_last_edited=”on|desktop” custom_padding=”0px||0px||false|false” custom_css_main_element=”font-weight: 400 !important;” locked=”off” global_colors_info=”{%22gcid-cda0448a-5641-4dd1-8a62-1961108990d4%22:%91%22text_text_color%22%93}”]<\/p>\n
thyssenkrupp provides the following benefits at no cost to you:<\/p>\n
At ages 65 and 70, coverage will be reduced. You will receive more information when you reach these\u00a0ages.<\/p>\n
[\/et_pb_text][et_pb_text _builder_version=”4.18.0″ _module_preset=”f076844f-ce13-48af-86e4-ac684390b521″ custom_padding=”0px||0px||false|false” custom_css_main_element=”font-weight: 400 !important;” locked=”off” global_colors_info=”{%22gcid-cda0448a-5641-4dd1-8a62-1961108990d4%22:%91%22text_text_color%22%93}”]<\/p>\n
In addition to the coverage provided by the company, you can purchase the following supplemental coverage (evidence of insurability or EOI may be required):<\/p>\n
[\/et_pb_text][\/et_pb_column_inner][\/et_pb_row_inner][et_pb_row_inner make_equal=”on” _builder_version=”4.18.0″ _module_preset=”default” width_tablet=”100%” width_phone=”100%” width_last_edited=”on|tablet” module_alignment=”center” custom_margin=”0px||40px||false|false” custom_margin_tablet=”|0px|35px||false|false” custom_margin_phone=”||30px||false|false” custom_margin_last_edited=”on|phone” custom_padding=”0px|0px|0px||false|false” locked=”off” global_colors_info=”{}” custom_css_main_element_last_edited=”on|tablet” custom_css_main_element_phone=”display: grid !important;||gap: 12px !important;” custom_css_main_element_tablet=”||”][et_pb_column_inner saved_specialty_column_type=”2_3″ _builder_version=”4.18.0″ _module_preset=”default” background_color=”#00A0F5″ custom_padding=”||||false|false” custom_padding_tablet=”|0px|||false|false” custom_padding_phone=”|0px|||false|false” custom_padding_last_edited=”on|tablet” global_colors_info=”{}” custom_css_main_element_last_edited=”on|tablet” custom_css_main_element_phone=”width: 100% !important;”][et_pb_text ul_item_indent=”27px” _builder_version=”4.18.0″ _module_preset=”de654394-fbc0-49bb-811c-1fa6d529802b” link_text_color=”#003C7D” header_4_font_size=”28px” width_tablet=”100%” max_width_tablet=”100%” custom_margin_tablet=”” custom_margin_phone=”” custom_margin_last_edited=”on|tablet” global_colors_info=”{%22gcid-cda0448a-5641-4dd1-8a62-1961108990d4%22:%91%22text_text_color%22,%22header_4_text_color%22,%22text_text_color%22,%22header_4_text_color%22,%22text_text_color%22,%22header_4_text_color%22,%22header_6_text_color%22,%22text_text_color%22,%22header_4_text_color%22,%22text_text_color%22,%22header_4_text_color%22,%22text_text_color%22,%22header_4_text_color%22,%22header_6_text_color%22,%22text_text_color%22,%22header_4_text_color%22,%22text_text_color%22,%22header_4_text_color%22,%22text_text_color%22,%22header_4_text_color%22,%22header_6_text_color%22,%22text_text_color%22,%22header_4_text_color%22,%22text_text_color%22,%22header_4_text_color%22,%22text_text_color%22,%22header_4_text_color%22,%22header_6_text_color%22,%22text_text_color%22,%22header_4_text_color%22,%22text_text_color%22,%22header_4_text_color%22,%22text_text_color%22,%22header_4_text_color%22,%22header_6_text_color%22,%22text_text_color%22,%22header_4_text_color%22,%22text_text_color%22,%22header_4_text_color%22,%22text_text_color%22,%22header_4_text_color%22,%22header_6_text_color%22,%22text_text_color%22,%22header_4_text_color%22,%22text_text_color%22,%22header_4_text_color%22,%22text_text_color%22,%22header_4_text_color%22,%22header_6_text_color%22,%22text_text_color%22,%22header_4_text_color%22,%22text_text_color%22,%22header_4_text_color%22,%22text_text_color%22,%22header_4_text_color%22,%22header_6_text_color%22,%22text_text_color%22,%22header_4_text_color%22,%22text_text_color%22,%22header_4_text_color%22,%22text_text_color%22,%22header_4_text_color%22,%22header_6_text_color%22,%22text_text_color%22,%22header_4_text_color%22,%22text_text_color%22,%22header_4_text_color%22,%22text_text_color%22,%22header_4_text_color%22,%22header_6_text_color%22,%22text_text_color%22,%22header_4_text_color%22,%22text_text_color%22,%22header_4_text_color%22,%22text_text_color%22,%22header_4_text_color%22,%22header_6_text_color%22%93,%22gcid-31990cfb-5642-4dbc-b383-9f1b5452de0e%22:%91%22background_color%22,%22background_color%22,%22background_color%22,%22background_color%22,%22background_color%22,%22background_color%22,%22background_color%22,%22background_color%22,%22background_color%22,%22background_color%22,%22background_color%22%93}” custom_css_main_element_last_edited=”on|tablet”]<\/p>\n
Annual pay<\/strong> \u2014 annual pay equals your base pay and does not include overtime, shift or premium pay or bonuses, and will be taken at a point in time. The amount is updated once per year.<\/p>\n Evidence of insurability (EOI)<\/strong> \u2014 a form with questions about your health that you are required to answer addressing medical conditions you may have. The insurance company reviews the information to determine if you are approved for additional insurance coverage levels.<\/p>\n Beneficiary<\/strong> \u2014 a person(s) or entity you choose who is designated to receive your benefits upon your death. It\u2019s a good idea to review your beneficiary information from time to time. Review and update here<\/a>.<\/p>\n Dismemberment<\/strong> \u2014 this is defined under AD&D coverage as severance of a finger, hand, foot or limb, and loss of sight, speech or hearing as a result of an accident.[\/et_pb_text][\/et_pb_column_inner][\/et_pb_row_inner][et_pb_row_inner use_custom_gutter=”on” gutter_width=”2″ _builder_version=”4.18.0″ _module_preset=”default” custom_margin=”0px||0.6em||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column_inner saved_specialty_column_type=”2_3″ _builder_version=”4.18.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.18.0″ _module_preset=”f076844f-ce13-48af-86e4-ac684390b521″ custom_css_main_element=”font-weight: 400 !important;” locked=”off” global_colors_info=”{%22gcid-cda0448a-5641-4dd1-8a62-1961108990d4%22:%91%22text_text_color%22%93}”]<\/p>\n How much extra insurance is enough? Some questions to ask yourself:[\/et_pb_text][\/et_pb_column_inner][\/et_pb_row_inner][et_pb_row_inner column_structure=”1_2,1_2″ use_custom_gutter=”on” gutter_width=”2″ disabled_on=”off|off|off” _builder_version=”4.18.0″ _module_preset=”default” custom_margin=”||0px||false|false” custom_margin_tablet=”||0px||false|false” custom_margin_phone=”||0px||false|false” custom_margin_last_edited=”on|desktop” custom_padding=”0px||0px||false|false” locked=”off” global_colors_info=”{}” custom_css_main_element_last_edited=”on|tablet” custom_css_main_element_tablet=”display: flex;” custom_css_main_element_phone=”display: block;||margin-bottom: 28px !important;”][et_pb_column_inner type=”1_2″ saved_specialty_column_type=”2_3″ _builder_version=”4.18.0″ _module_preset=”default” global_colors_info=”{}” custom_css_main_element_last_edited=”on|phone” custom_css_main_element_phone=”margin-bottom: 0px !important;”][et_pb_text _builder_version=”4.18.0″ _module_preset=”f076844f-ce13-48af-86e4-ac684390b521″ custom_margin_tablet=”” custom_margin_phone=”||-0.4em||false|false” custom_margin_last_edited=”on|desktop” custom_padding=”0px||0px||false|false” locked=”off” global_colors_info=”{%22gcid-cda0448a-5641-4dd1-8a62-1961108990d4%22:%91%22text_text_color%22%93}”]<\/p>\n [\/et_pb_text][\/et_pb_column_inner][et_pb_column_inner type=”1_2″ saved_specialty_column_type=”2_3″ _builder_version=”4.18.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.18.0″ _module_preset=”f076844f-ce13-48af-86e4-ac684390b521″ custom_padding=”0px||0px||false|false” locked=”off” global_colors_info=”{%22gcid-cda0448a-5641-4dd1-8a62-1961108990d4%22:%91%22header_2_text_color%22,%22text_text_color%22%93}”]<\/p>\n [\/et_pb_text][\/et_pb_column_inner][\/et_pb_row_inner][et_pb_row_inner use_custom_gutter=”on” gutter_width=”2″ disabled_on=”off|off|off” _builder_version=”4.18.0″ _module_preset=”default” custom_margin=”||30px||false|false” custom_margin_tablet=”||0px||false|false” custom_margin_phone=”||0px||false|false” custom_margin_last_edited=”on|desktop” custom_padding=”0px||0px||false|false” locked=”off” global_colors_info=”{}” custom_css_main_element_last_edited=”on|tablet” custom_css_main_element_tablet=”display: flex;” custom_css_main_element_phone=”display: block;||margin-bottom: 28px !important;”][et_pb_column_inner saved_specialty_column_type=”2_3″ _builder_version=”4.18.0″ _module_preset=”default” global_colors_info=”{}” custom_css_main_element_last_edited=”on|phone” custom_css_main_element_phone=”margin-bottom: 0px !important;”][et_pb_text _builder_version=”4.18.0″ _module_preset=”f076844f-ce13-48af-86e4-ac684390b521″ custom_margin=”0px||0px||false|false” custom_padding=”0px||1px||false|false” custom_css_main_element=”font-weight: 400 !important;” locked=”off” global_colors_info=”{%22gcid-cda0448a-5641-4dd1-8a62-1961108990d4%22:%91%22text_text_color%22%93}”]<\/p>\n Talk to a financial advisor for additional help.<\/p>\n You or beneficiary will not automatically receive benefits. You or your survivors need to apply for benefits. Make sure your family knows about your coverage. Then contact the insurance company<\/a> to file a claim. For more information, see the Life & AD&D Insurance Certificate posted on your benefit enrollment site<\/a>.<\/p>\n [\/et_pb_text][\/et_pb_column_inner][\/et_pb_row_inner][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text disabled_on=”off|off|off” admin_label=”grey sidebar text” module_class=”sidebar_right_blunt_border txt_wgt_adjust reg_txt_list repeater_underline” _builder_version=”4.18.0″ _module_preset=”45c1c8c5-af1d-4c5c-9cd6-59c4632ff5c0″ global_colors_info=”{%22gcid-cda0448a-5641-4dd1-8a62-1961108990d4%22:%91%22text_text_color%22,%22header_4_text_color%22%93,%22gcid-31990cfb-5642-4dbc-b383-9f1b5452de0e%22:%91%22background_color%22%93}”]<\/p>\n Make sure to set your family and loved ones as beneficiaries for all your insurance and retirement policies. Forgetting to do so causes even more confusion if benefits need to be paid, and sometimes they don\u2019t go to who you thought they would have. Don\u2019t let that happen, verify now<\/a>!<\/p>\n [\/et_pb_text][et_pb_text admin_label=”contacts sidebar text” module_class=”contacts_sidebar contacts_underline-link” _builder_version=”4.27.5″ _module_preset=”default” text_font=”Roboto||||||||” text_text_color=”#FFFFFF” text_line_height=”24px” link_text_color=”#FFFFFF” header_3_font=”Roboto|500|||||||” header_3_text_color=”#FFFFFF” header_3_font_size=”32px” header_3_line_height=”40px” header_6_font=”Roboto||||||||” header_6_text_color=”#FFFFFF” header_6_font_size=”18px” header_6_line_height=”26px” background_color=”#003c7d” custom_margin=”||40px||false|false” custom_padding=”34px|32px|36px|32px|false|false” hover_enabled=”0″ locked=”off” global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n benefitsolver.com<\/a><\/p>\n unum.com\/employees<\/a> (513) 881-7600<\/p>\nMaking Your Decisions<\/h3>\n
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When Benefits Are Paid<\/h3>\n
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Contacts<\/h3>\n
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