Benefit Changes
Death of Beneficiary(ies)

If you select the Joint Life Plan (formerly plan A, C, or D) and your beneficiary dies before you do, you will be paid under the Single Life Plan after you submit a copy of the beneficiary's death certificate.

If you select the Multiple Life Plan (formerly Plan F) and one of your beneficiaries dies before you, you will remain under the Multiple Life Plan. Your benefit will be recalculated to reallocate to you the amount you previously allocated to the deceased beneficiary after you submit a copy of the deceased beneficiary’s death certificate.

There will be no change in the benefit allocation for the other beneficiaries. You will remain under the Multiple Life Plan until there are no longer any designated beneficiaries under the plan. When there are no longer any designated beneficiaries under the plan your benefit will change to the Single Life Plan.