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Insurance

Basic Life Insurance Voluntary Life Insurance Short and Long Term Disability

Life Insurance

Lincoln Financial | Policy # 09-LF0793 | Phone: (888) 787-2129 and (800) 423-2765 | www.lfg.com

Basic Life and Accidental Death & Dismemberment

To help protect you and your loved ones, Rimini Street, Inc. provides Basic Life and Accidental Death & Dismemberment (AD&D) insurance at no cost. This benefit is automatically provided to all eligible employees. (Employee‑only coverage.)
Life Insurance

All regular full-time employees are automatically covered for 2 times your annual salary to a maximum $400,000 each for Basic Life Insurance and for Accidental Death and Dismemberment Insurance. (Applicable for Employee Only)

All Executive employees are automatically covered for 3 times your annual salary to a maximum of $600,000. (Applicable for Employee Only)

Coverage exceeding $50,000 is subject to imputed income. This means the premium for any amount over $50,000 must be included as income and will be subject to Social Security and Medicare taxes, which may be reflected in your paycheck.

Benefit reduction: When you reach age 65, life benefits reduce to 65% of the original amount. When you reach age 70, life benefits reduce to 50% of the original amount.

Life Insurance Resources

Lincoln Financial Group - Plan Certificate

Summary Plan Descriptions - All Eligible Employees

Summary Plan Descriptions - All Eligible Executives
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Voluntary Life Insurance

Voluntary Life and Accidental
Death & Dismemberment

As a New Hire and during Open Enrollment, you can purchase additional Life Insurance coverage for yourself, your spouse/domestic partner, and your dependent children. Supplemental Life Insurance premiums are taken from your paycheck on a post-tax basis.

Voluntary Life Insurance

Employees may elect Voluntary Life Insurance coverage for themselves in $10,000 increments, up to a maximum of $1,000,000. Coverage amounts exceeding $350,000 require Evidence of Insurability (EOI).

Spouse or domestic partner coverage is available in $5,000 increments, up to a maximum of $250,000. EOI is required for coverage amounts above $50,000.

Child coverage may be elected in $2,500 increments, up to a maximum of $10,000.

Benefit reduction: When you reach age 65, Voluntary Life and AD&D benefits reduce to 65% of the original amount. When you reach age 70, Voluntary Life and AD&D benefits reduce to 50% of the original amount.

Following your New Hire event, any request to increase Voluntary Life Insurance coverage will require EOI.

Evidence of Insurability (EOI) is the process of providing health information to qualify for certain types of insurance coverage. If you elect voluntary Life and AD&D coverage above the guaranteed issue limit or outside of the guaranteed issue period, you will be required to submit a health questionnaire (in some cases, a physical exam may be required). Your questionnaire will be reviewed by Lincoln Financial and you will be notified of their decision directly.

Voluntary Life Insurance Resources

Lincoln Financial Group - Plan Certificate

Summary Plan Descriptions - All Eligible Employees

Summary Plan Descriptions - All Eligible Executives
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Disability

Lincoln Financial | Policy # 09-LF0793 | Phone: (800) 320-7585 | www.lfg.com

Short and Long Term Disability

Rimini Street, Inc. offers Short‑Term and Long‑Term Disability Insurance at no cost to employees. These plans are designed to replace a portion of your income if you are unable to work due to illness, injury, or disability, providing valuable financial protection for you and your loved ones. (Employee‑only coverage.)

Disability

Short-Term Disability

Lincoln Financial | Policy # 09-LF0793 | Phone: (800) 320-7585 | www.lfg.com

The Short-Term Disability plan provides 60% of your weekly salary, to a maximum of $2,500 per week for the first 13 weeks of a disability (after a 7-day waiting period). These benefits may be offset by any state mandated disability plan or Workers Compensation, for your certified medical disability. You will continue to receive benefits if you meet the definition of disability or reach 13 weeks of disability.

Percent of Earnings
Weekly Maximum
Elimination Period
Maximum Duration
60%
$2,500
7 Days
13 weeks

Short-Term Disability Resources

Lincoln Financial - Plan Certificate

How to Report a Leave or STD Claim

Report a New Claim or Leave User Guide
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Long-Term Disability

Lincoln Financial | Policy # 09-LF0793 | Phone: (800) 320-7585 | www.lfg.com

The Long-Term Disability plan pays you a portion of your earnings if you cannot work for an extended time due to a disabling illness or injury. You are automatically enrolled in Long-Term Disability the date your Short-Term Disability payments end or 90 days following your injury or illness and at no cost to you.

Long-Term Disability coverage replaces 60% of your base salary to a monthly maximum of $10,000 if you are disabled for more than 90 days and are unable to work. You will continue to receive benefits if you meet the definition of disability or reach your Social Security Normal Retirement Age.

Percent of Earnings
Weekly Maximum
Elimination Period
Maximum Duration
60%
$10,000
90 Days
Up to Social Security Normal Retirement Age
Benefits are reduced by other sources of disability income you may qualify for such as Social Security and Workers’ Compensation.

Long-Term Disability Resources

Lincoln Financial Group - Plan Certificate
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