What happens when my salary increases my life insurance in excess of the non-evidence maximum (NEM)?

If your life insurance benefit includes a non-evidence maximum that is less than the overall maximum, as outlined in the My Benefits section of this website, you must provide evidence of good health and be approved for any eligible coverage over the non-evidence maximum.

To do so, you must complete the Evidence of Insurability Form and submit to PBC.

  • PBC may require further medical information to make a decision on your application.
  • Within five business days of receiving your application a letter will be sent to you if further medical information is required. Instructions about how to provide this medical information is outlined in the letter. PBC may also contact you by phone if necessary. If no further medical information is required, a decision will be made based on the information provided in the original application.
  • If approved, a letter will be sent to the School District Benefits Administrator. The school district is responsible for notifying the applicant of the approval. Premium will be charged beginning on the 1st of the month following the approval date.
  • If declined, you will receive a letter directly from PBC explaining their decision. The school district will be sent a letter advising that the application has been declined; however, reasons for the declination will not be disclosed.
  • If you do not provide the requested medical information within three weeks from the requested date, PBC will send a follow-up letter. This letter will state that if the required medical information is not provided by the deadline date shown in the letter, PBC will be unable to review your application, assume you are no longer interested in applying for coverage over the non-evidence maximum and will close your file.
  • If you have submitted an application to PBC and would like to know the status of your application, you may call PBC directly.
  • All medical information indicated on the application will be maintained by PBC to maintain your right to confidentiality of information.
  • The School District Benefits Administrator files the approval letter in the employee’s personnel file.