Once your benefits eligible pay is equal to or exceeds $200,000, you are no longer eligible for Basic Life and Basic Accidental Death and Dismemberment (AD&D). As a result, you may have the opportunity to enroll in Group Universal Life (GUL) coverage (you can enroll in Supplemental AD&D at any time without providing evidence of insurability) equal to one times your benefits eligible pay up to $500,000 without providing evidence of insurability, subject to the Plan's maximum GUL coverage limits.

If you are enrolled in GUL up to the maximum coverage amount — the lesser of 10 times your benefits eligible pay or $5 million — you are not eligible to increase GUL coverage. You can continue your Basic Life coverage on an individual basis. Refer to "Continuing Basic Life and Basic AD&D on an Individual Basis."