Life Insurance

Basic Life

Conduent pays the full cost for Basic Life insurance for you of 1 times your annual base salary, up to $500,000. Eligible associates are automatically enrolled.

Supplemental Life

For extra protection, you can purchase Supplemental Life insurance for yourself, your spouse, and your children. You pay for coverage on an after-tax basis. You can elect the following coverage:

• For you: 1 to 10 times your annual base salary, up to $3 million

• For your spouse/domestic partner: $10,000 to $250,000 in $10,000 increments. Spouse/domestic partner life can’t exceed 100% of your associate coverage (Basic and Supplemental combined)

• For your children: $2,000, $4,000, $6,000, $8,000, or $10,000 (per child). You may cover dependent children up to age 26, including your domestic partner’s children. If you elect child life insurance, all eligible children are covered. Once your children are no longer eligible for child life insurance, you are responsible for calling the Workplace Solutions Center to remove them from your coverage.

Enroll When You’re First Eligible!

A Statement of Health (SOH) — also called Evidence of Insurability (EOI) — is something that insurance companies may require before coverage is effective. If you enroll for Supplemental Life when you’re first eligible, you’ll be able to get coverage up to the guaranteed issue — which means you won’t have to provide a Statement of Health (SOH).

• Guaranteed issue for you: The lesser of $500,000 or 3 times your annual base salary

• Guaranteed issue for your spouse/domestic partner: $50,000

If you don’t enroll when you’re first eligible and later decide you want coverage, you will need to provide an SOH. An SOH may also be required if you:

• Choose Supplemental associate coverage when you’re first eligible that’s more than $500,000 or more than 3 times your annual base salary (e.g., 4 or 5 times your annual base salary), whichever is less

• Make any increase to your Supplemental associate coverage that is not associated with a qualifying change in status

• Choose spouse/domestic partner coverage when first eligible that exceeds $50,000

• Make any increase in your spouse/domestic partner’s coverage

When an SOH is required, you and your spouse/domestic partner will receive the maximum coverage that’s available without an SOH. You’ll pay for the lower level of coverage until an SOH is approved for the higher level of coverage. Once the higher coverage is approved, payroll deductions for your elected coverage will increase with your next paycheck. The higher coverage will not be retroactive to the original effective date. If you are on a leave of absence, any approved increase will not become effective until you return to work.

Annual Base Salary

Annual base salary is your base pay, excluding bonuses, commissions, overtime, or any other extra pay. Your annual base salary as of your date of hire and each subsequent October 1 will be used to determine life insurance contributions and coverage amounts (unless you are on a leave of absence on October 1). Note: If your pay is incentive-based, annual salary for purposes of life insurance is calculated based on your average hourly rate for the previous quarter and your normal scheduled hours.

A Note About Nicotine

For associate Supplemental Life, your rates will be lower if you certify that you have not used nicotine in the last 12 months as of the date of your enrollment.

For spouse/domestic partner Supplemental Life, rates will be lower if you certify that your spouse/domestic partner has not used nicotine for at least 12 months as of the date of enrollment.

This non-tobacco attestation for Supplemental Life insurance is separate from the medical tobacco surcharge.

AD&D Insurance

AD&D insurance pays a benefit if you or a covered family member dies or suffers a serious injury due to an accident. You can purchase AD&D coverage for yourself and your eligible dependents at affordable group rates. You may cover dependent children up to age 26, including your domestic partner’s children. You pay for coverage on an after-tax basis.

• For you: Increments of $50,000, up to $1 million

• For your spouse: Increments of $50,000, up to $500,000

• For your children: $50,000 to $100,000. For AD&D insurance, you must enroll each dependent child separately. You may cover dependent children up to age 26, including your domestic partner’s children.