Eligibility and enrollment

Eligibility and enrollment details for the ExxonMobil Life Insurance Program

Most U.S. dollar-paid regular employees of Exxon Mobil Corporation and participating affiliates are eligible. For details, see Eligible Employee in the Key terms section.

In addition, certain retirees as described below are eligible for coverage:

1. Anyone who becomes an ExxonMobil retiree after January 1, 2000, and on or before December 1, 2015, and
2. An employee participating in the plan as of December 1, 2015, who is at least 50 years of age with at least 10 years of benefit service, and becomes a retiree after December 1, 2015.

Employees participating in the Exxon Family Adjustment and Family Income Plan or participating in the Executive Life Insurance/Death Benefit Plan are not eligible for Basic Life Coverage.

Enrollment

You do not need to enroll for Basic Life Coverage and Basic Accidental Death and Dismemberment Insurance — eligible employees are automatically covered on the first day of active employment. For Basic Life Coverage, you may elect a death benefit instead of life insurance (see Life insurance compared with death benefit).

If you want additional life insurance coverage at group rates, you may enroll in Group Universal Life Insurance. You may also purchase additional accidental coverage through Voluntary Accidental Death and Dismemberment Insurance.

You can enroll in either coverage by using the Your Total Rewards portal (digital.alight.com/exxonmobil). If you enroll in Group Universal Life Insurance within 31 days of your first day of active employment, you can do so without evidence of insurability. You can enroll in Voluntary Accidental Death and Dismemberment Insurance at any time and no evidence of insurability is required. The effective date of your coverage will be first of the month following the date your election is made on the Your Total Rewards portal. 

Basic Accidental Death and Dismemberment Insurance

Basic Accidental Death and Dismemberment Insurance on the ExxonMobil Life Insurance Program

The company provides insurance for accidental death and certain accident-related injuries. The benefit amount depends on a number of factors, including whether the accident is work-related. Employees may also purchase additional coverage through Voluntary Accidental Death and Dismemberment Insurance.

You are covered by this benefit for losses that are the result of an injury which is caused by certain accidents that occur on or off the job while you are a participant. An accident is a sudden, violent, unexpected, external incident.

If you die in an accident, your beneficiary receives two times your annualized monthly benefit pay. As an employee, if you have a pay change your coverage is based on your annualized monthly benefit pay beginning the first full month after the change, rather than effective with the pay change. You receive benefits for certain physical losses which occur within one year of the accident. 

Example:

• For the loss of two or more limbs or for the loss of eyesight in both eyes, the Plan pays two times your pay.
• For the loss of one hand, one foot or the eyesight in one eye, the Plan pays one times your pay.
• For the loss of a thumb or index finger, but not the whole hand, the Plan pays one-quarter of your pay.

The maximum benefit paid for an accident that is not work-related is two times your annualized monthly benefit pay.

Below is the table of Losses and Benefits.

For loss of...	Basic AD&D pays this percentage of your coverage amount
Life	100%
Any combination of a hand, a foot or sight of one eye	100%
One hand by severance at or above the wrist	50%
One foot by severance at or above the ankle	50%
Sight of one eye	12.5%

Effective for losses that occur on or after December 1, 2015, the following dismemberments are included in the coverage:

For loss of...	Basic AD&D pays this percentage of your coverage amount
Quadriplegia	100%
Paraplegia	50%
Hemiplegia	50%
Speech	50%
Hearing (both ears)	50%
All four fingers on same hand	25%
Thumb and index finger on the same hand	25%
All toes on same foot	25%

Occupational accidental death

If you die in a work-related accident which would warrant workers' compensation, your beneficiary receives an additional $500,000.

Restrictions

There are some restrictions applicable to the payment of Basic Accidental Death & Dismemberment (AD&D) benefits. Benefits will not be paid if the death or injury results from:

• Your use of intoxicants;
• Your illegal use of stimulants, drugs or narcotics;
• Your unlawful act;
• Your willful intent to injure yourself or another except in self-defense;
• Your employment with another company or self-employment;
• Your lack of due care for the safety of yourself or your fellow workers;
• Your lack of compliance with safety regulations established by your employer; or
• War or any act of war occurring in the U.S., its territories and possessions, or in any nation of which you are a citizen or permanent resident.

No benefit is payable if death or injury results from:

• Full-time active duty in the armed forces; or
• Suicide or attempted suicide.

Claiming benefits

You or your beneficiary must notify the ExxonMobil Benefits Service Center within 90 days from the date of loss in order to claim benefits. When notified, Benefits Administration will ask for the following information:

• Name and Social Security number of participant;
• The date of death or accidental injury;
• The caller's name, address, telephone number and relationship to participant; and
• Participant's spouse's name, address, Social Security number and birth date, if applicable.

Once this information is provided, CGLIC will process the claim.

Under normal circumstances, CGLIC sends written notice of its decision on the claim within 90 days after receiving the completed forms. Sometimes, more time is needed due to special circumstances. If this is the case, the determination period can be extended for up to an additional 90 days. You or your beneficiary must be notified of the reason for the delay before the original 90-day period expires. You or your beneficiary also must be given a date as to when the claims administrator expects to make a decision.

How benefits are paid

Benefits are usually paid in a lump sum to your beneficiary in the event of your death, or to you in the case of a non-fatal accident. Life insurance proceeds are deposited in an interest bearing account with the insurance company and the beneficiary has the right to withdraw the proceeds as needed. In addition, the insurance company offers other settlement options such as an annuity.

When coverage ends

All AD&D coverage ends when your employment as a regular employee ends.

Coverage is available for up to 30 days during an approved Leaves of Absence.

Emergency travel assistance services

Cigna Secure Travel provides emergency medical and travel services, as well as helpful pre-trip planning assistance, when traveling 100 miles or more away from home on company business or on vacation. Services are provided through Europ Assistance USA, Inc. and include: referrals to medical facilities, emergency medical transportation, return of dependent children, visit of a family member if you are expected to be hospitalized for more than 10 days, repatriation services, emergency medical payments, emergency cash advance, legal referrals to local attorneys and assistance with lost or stolen items.

For more information about Emergency Travel Assistance Services contact Cigna Secure Travel*  (see Information sources).

Administrative and ERISA information

Administrative and ERISA information for the ExxonMobil Life Insurance Program

This section contains technical information about the ExxonMobil Life Insurance Program which includes the Life Insurance Program. It also contains a summary of your rights with respect to the plan and instructions about how you can submit an appeal if your claim for benefits is denied.

Plan sponsor and participating affiliates

The Plan is sponsored by:

Exxon Mobil Corporation
22777 Springwoods Village Pkwy
Spring, TX 77389

All of Exxon Mobil Corporation's divisions and most of the major U.S. affiliates participate in the ExxonMobil Life Insurance Program. A complete list of participating affiliates is available from the Administrator-Benefits upon written request.

Certain employees covered by collective bargaining agreements do not participate in the plan.

Basic Plan information

Plan administrator

The Plan Administrator for the ExxonMobil Life Insurance Program is the Administrator-Benefits. The Administrator-Benefits is the Manager-Global Benefits Design, Exxon Mobil Corporation. You may contact the Administrator-Benefits at the following address. Legal process may be served upon the Administrator-Benefits c/o Exxon Mobil Corporation by serving the Corporation's Registered Agent for Service of Process, Corporation Service Company (CSC).

For appeals on eligibility and uninsured death benefits:

ExxonMobil Benefits Service Center
Phone: 833-776-9966
Hours: 8am – 4pm CST, Monday through Friday, except certain holidays
Your Total Rewards portal: digital.alight.com/exxonmobil

Alight Mobile app  (available through Apple App Store or Google Play)

Address:
Dept 02694, PO Box 64116, The Woodlands, TX, 77387-4116

For service of legal process:

Corporation Service Co.
211 East 7th Street, Suite 620
Austin, Texas 78701-3218

Authority of Administrator-Benefits

The Administrator-Benefits (and those to whom the Administrator-Benefits has delegated authority) has the full and final discretionary authority to determine eligibility for benefits, to construe and interpret the terms of the Life Insurance Program in its application to any participant or beneficiary, and to decide any and all claim appeals.

Type of plan

The ExxonMobil Life Insurance Program is a welfare plan providing life and accident insurance as well as uninsured death benefits.

Plan numbers

The Plan is identified with government agencies under these numbers: the Employer Identification Number, 13-5409005, and the Plan Number, 624.

Plan year

The Plan year is the calendar year.

Plan funding

Benefits are funded through employee and employer contributions.

Benefit claims

A claim must be filed in writing to the CGLIC Claims Office for Basic Life Insurance and Basic AD&D Insurance, or MetLife for Group Universal Life Insurance and Voluntary AD&D Insurance, or the ExxonMobil Benefits Service Center for any uninsured death benefit. CGLIC, MetLife or Benefits Administration, as appropriate, is responsible for determining entitlement to a benefit and any amount payable under the Plan.

For Basic Life Insurance and Basic AD&D Insurance, write to:

CGLIC Claims Office
P.O. Box 22328
Pittsburgh, PA 15222-0328

Written proof of loss must be given to CGLIC within 90 days after the date of the loss for which claim is made. If written proof of loss is not given in that time, the claim will not be invalidated nor reduced if it is shown that written proof of loss was given as soon as was reasonably possible.

For Group Universal Life Insurance and Voluntary AD&D Insurance, write to:

MetLife
Utica Life Claims
P.O. Box 3016
Utica, NY 13504

For Voluntary AD&D, written proof of a claim must be given to MetLife not later than 90 days after the date of the loss. If notice or proof is not given on time, the delay will not cause a claim to be denied or reduced as long as the notice or proof is given as soon as possible.

For any uninsured death benefit claim, write to:

ExxonMobil Benefits Service Center
Phone: 833-776-9966
Hours: 8am – 4pm CST, Monday through Friday, except certain holidays
Your Total Rewards portal: digital.alight.com/exxonmobil

Alight Mobile app  (available through Apple App Store or Google Play)

Address: Dept 02694, PO Box 64116, The Woodlands, TX, 77387-4116

All uninsured death benefit claims, basic life insurance and group universal life claims should be filed within ten years of the date of death.

The appropriate claims administrator will review your claim and respond to you within a reasonable period of time, normally within 90 days after receiving your claim. If your claim is denied completely or partially, you or your beneficiary will receive written notice of the decision. The notice will describe:

• The specific reasons for the denial;
• Any additional information or material that is needed to validate the claim and the reason that information is required; and
• The process for requesting an appeal.

If the claims administrator needs additional time to decide on your claim because of special circumstances, you will be notified within the 90-day period. You will receive a response no later than 180 days after your claim was received initially.

Filing a mandatory appeal

If your claim is denied, you, your beneficiary or your designated representative may file an appeal no later than 60 days from the date of the denial. File the appeal with CGLIC for Basic Life Insurance and Basic AD&D Insurance, with MetLife for Group Universal Life Insurance and Voluntary AD&D Insurance, and with the Administrator-Benefits for any uninsured death benefit claim denial.

The written appeal should include the reasons why you believe the benefit should be paid and information that supports, or is relevant to, your claim (written comments, documents, records, etc). The written appeal may also include a request for reasonable access to, and copies of, all documents, records and other information relevant to your claim. The review will take into account all comments, documents, records and other information submitted relating to the claim, without regard to whether such information was submitted or considered in the initial benefit determination. You will receive a response to the appeal within 60 days from the date the appeal was received.

If additional time to decide on your appeal is needed because of special circumstances, you will be notified within the 60-day appeal response period.

If the appeal is denied, you will receive written notice of the decision. The notice will set forth:

• The specific reason(s) for the denial and the Plan provisions upon which the denial is based.
• A statement that you are entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant to the claim.
• A statement of the voluntary appeal procedure and your right to obtain information about such procedure or a description of the voluntary appeal procedure.
• A statement of your right to bring an action under section 502(a) of the Employee Retirement Income Security Act (ERISA).

Statute of limitations

After you have received the response of the mandatory appeal, you may bring an action under section 502(a) of ERISA. Such action must be filed within one year from the date your mandatory appeal was denied.

Filing a voluntary appeal for an uninsured death benefit only

If an appeal for an uninsured death benefit is denied, an appeal to the Administrator-Benefits may be available. New information pertinent to the claim is required for the voluntary appeal to be considered. You must submit your voluntary appeal within 30 days of the denial of your mandatory appeal. The statute of limitations or other defense based on timeliness is suspended during the time that a voluntary appeal is pending.

You will be notified within 15 days after your request was received that such information was considered or is not pertinent. If it is determined that there is new relevant information, a decision will be made within 60 days after the Administrator-Benefits receives your request for a voluntary appeal. If it is determined that there is no new information pertinent to your claim, your voluntary appeal will not be considered.

No implied promises

Nothing in this SPD says or implies that participation in the ExxonMobil Life Insurance Plan is a guarantee of continued employment with the company.

Future of the Plan

ExxonMobil has the right to change, suspend, withdraw, amend, modify or terminate the Plan or any of its provisions at any time and for any reason. A change may also be made to required contributions and eligibility for coverage, and may apply to those who retired in the past, as well as those who retire in the future. If any material changes are made in the future, you will be notified.

Your rights under ERISA

As a participant in the ExxonMobil Life Insurance Program, you have certain rights and protections under the Employee Retirement Income Security Act of 1974 (ERISA). ERISA provides that as a plan participant, you shall be entitled to:

Receive information about your plan and benefits

• Examine, without charge, at the office of the Administrator-Benefits and at other specified locations, such as worksites and union halls, all documents governing the ExxonMobil Life Insurance Program, including collective bargaining agreements, and a copy of the latest annual report (Form 5500 Series) filed by the ExxonMobil Life Insurance Program with the U.S. Department of Labor and available at the Public Disclosure Room of the Employee Benefits Security Administration.
• Obtain, upon written request to the Administrator-Benefits, copies of documents governing the operation of the ExxonMobil Life Insurance Program, including collective bargaining agreements, and copies of the latest annual report (Form 5500 Series) and updated summary plan description. The administrator may require a reasonable charge for the copies.
• Receive a summary of the ExxonMobil Life Insurance Program's annual financial report. The Administrator-Benefits is required by law to furnish each participant with a copy of this summary annual report.

Prudent actions by plan fiduciaries

In addition to creating rights for participants, ERISA imposes duties upon the people who are responsible for the operation of the employee benefit plan. The people who operate your Life Insurance Program, called "fiduciaries" of the Life Insurance Program, have a duty to do so prudently and in the interest of you and other Life Insurance Program participants and beneficiaries. No one, including your employer, your union, or any other person, may fire you or otherwise discriminate against you in any way to prevent you from obtaining a plan benefit or exercising your rights under ERISA.

Enforce your rights

• If your claim for a benefit is denied or ignored, in whole or in part, you have a right to know why this was done, to obtain copies of documents relating to the decision without charge, and to appeal any denial, all within certain time schedules.
• Under ERISA, there are steps you can take to enforce the above rights. For instance, if you request a copy of Plan documents or the latest Summary Annual Report and do not receive them within 30 days, you may file suit in a Federal court. Such lawsuit must be filed in the United States District Court for the Southern District of Texas, Houston, Texas, or in the United States District Court for the federal judicial district where the employee currently works. If a retiree or terminee, the suit must be filed in the last location worked prior to termination of employment. Beneficiaries must also file in the same federal judicial district that the employee or retiree would be required to file. In such a case, the court may require the Administrator-Benefits to provide the materials and pay you up to $110 a day until you receive the materials, unless the materials were not sent because of reasons beyond the control of the administrator.
• If you have elected the death benefit option, and if you have a claim and an appeal for benefits, which are denied or ignored, in whole or in part, you may file suit in a state or Federal court. Any such lawsuit must be brought within one year of the date on which an appeal was denied. Such lawsuit must be filed in the United States District Court for the Southern District of Texas, Houston, Texas, or in the United States District Court for the federal judicial district where the employee currently works. If a retiree or terminee, the suit must be filed in the last location worked prior to termination of employment. Beneficiaries must also file in the same federal judicial district that the employee or retiree would be required to file. The court will decide who should pay court costs and legal fees. If you are successful, the court may order the person you have sued to pay these costs and fees. If you lose, the court may order you to pay these costs and fees, for example, if it finds your claim is frivolous.

Assistance with your questions

If you have any questions about your benefits, you should contact ExxonMobil Benefits Service Center. If you have any questions about this statement or about your rights under ERISA, or if you need assistance in obtaining documents from the Administrator-Benefits, you should contact the nearest office of the Employee Benefits Security Administration, U.S. Department of Labor, listed in your telephone directory or the Division of Technical Assistance and Inquiries, Employee Benefits Security Administration, U.S. Department of Labor, 200 Constitution Avenue N.W., Washington, D.C. 20210. You may also obtain certain publications about your rights and responsibilities under ERISA by calling the publications hotline of the Employee Benefits Security Administration.

Key terms

A list of key terms in the ExxonMobil Life Insurance Program

Accident

A sudden, violent, unexpected, external incident.

Active employment

• On any of your employer's scheduled work days if you are performing the regular duties of your work on that day either at your employer's place of business or some other location to which you are required to travel for your employer's business; or
• On any day which is not one of your employer's scheduled work days if you were in active service on the preceding scheduled work day.

Annualized monthly benefit pay

Monthly Benefit Pay for a given month expressed as an annual amount.

Attained age

You attain an age on the first day of the month in which that birthday occurs.

Barred employee

An employee who is covered by a collective bargaining agreement except to the extent participation is provided under such agreement.

Beneficiary

The person or entity that receives benefits when you die. The Program provides a standard list of beneficiaries but you may name another beneficiary if you wish.

Benefit service

Benefit service is defined as, generally, all the time from the first day of employment until you terminate as a regular employee. Excluded are: unauthorized absences; leaves of absence of over 30 days (except military leaves or leave under the Federal Family and Life Leave Act); certain absences from which you do not return; periods when you work as a non-regular employee, as a special-agreement person, in service station, car wash, or car-care center operations, or when you are covered by a contract that requires the company to contribute to a different benefit program, unless a special authorization credits the service.

Child

For purposes of the Program's standard beneficiary designation, your child includes only someone who is your legitimate blood relative or whose relationship with you is established by virtue of legal adoption.

Conversion option

This option allows you to change some of your Basic Life Insurance coverage to an individual policy without evidence of insurability.

Default beneficiary

The order of beneficiaries is:

• Paying all to your spouse.
• Dividing equally among your children who either survive you or who die before you leaving children of their own who survive you and, in the case of each child who dies before you leaving children who survive you, subdividing his or her share equally among those children.
• Dividing equally between your surviving parents.
• Dividing equally among your brothers and sisters who either survive you or die before you leaving children of their own who survive you and, in the case of each brother or sister who dies before you leaving children who survive you, subdividing his or her share equally among those children.
• Paying all to your executors or administrators.

The term child means one's son or daughter by legitimate blood relationship or legal adoption. Parent means one's father or mother by legitimate blood relationship or legal adoption. One's brother or sister means another child of either or both parents.

Dependent child

An unmarried person who was born before your death, who is not employed on a regular and full-time basis, not reached the end of the month in which age 24 is attained provided the child is chiefly dependent on the covered person for support and maintenance.

If the child is and remains incapable of self-sustaining employment by reason of mental retardation, physical handicap, or mental illness due to psychosis or severe behavioral health disorder, provided the child:

• Is chiefly dependent upon the covered person for support and maintenance; and
• Was, or would have been, a dependent child under the Plan immediately prior to the birthday on which such child exceeds age 24; and
• If unable to sustain self-supporting employment by reason of mental illness, such child is also receiving treatment:
• In an acute care or residential inpatient facility; or
• As day treatment, in a group house or in a therapeutic halfway house; or
• Under the care of a psychiatrist.

Dismemberment

Loss of use or loss by severance of particular body parts.

Eligible employee

Most U.S. dollar-paid employees of Exxon Mobil Corporation and participating affiliates are eligible. Regular employees are eligible on their first day of employment. Leased employees as defined in the Internal Revenue Code, temporary or part-time employees (also called "non-regular employees"), barred employees and special-agreement persons are not eligible to participate. Certain senior executives are not eligible to participate in Basic Life Insurance.

 

Evidence of insurability

This is information that must be provided by the participant and approved by the insurance company before certain coverage is effective.

Injury

Bodily injury caused directly and exclusively by a sudden, violent, unexpected, external accident.

Monthly benefit pay

Generally, pay associated with your regular work schedule and rate of pay. Except for SeaRiver fleet employees, regular work schedule and rate of pay do not include temporary job assignments, regardless of how long an employee has filled a temporary job assignment. For SeaRiver fleet employees, the rate of pay is that used for pay purposes as of month end.

This amount will be adjusted as follows:

1. If you are a regular employee who is not a SeaRiver fleet employee and either (a) classified in your employer’s payroll system as not exempt from the application of the overtime rules under the U.S. Fair Labor Standards Act, or (b) covered under your employer’s First-Line Supervisor program, the value based on your regular work schedule and rate of pay will be increased by 20%.
2. If you are a non-regular employee, SeaRiver fleet employee or other regular employee not described in paragraph (1) above, your monthly benefit pay is the amount based on your regular work schedule and rate of pay.

Non-regular employee

Temporary or part-time employee of a participating employer who otherwise would be a covered employee but for the fact, as determined by the participating employer, that the person either does not regularly work a full-time schedule or is employed on a temporary basis. Non-regular employees do not include employees designated by their employer as part-time regular.

Occupational accidental death

An injury to the body resulting in death of the covered person that is:

• Caused directly and exclusively by a sudden, violent, unexpected, external accident;
• Incurred in the course and scope of the covered employee's employment with ExxonMobil; and
• Compensable under the workers' compensation law applicable to the covered employee, or if no workers' compensation law is applicable, would be compensable under New Jersey workers' compensation law (Delaware workers' compensation law in the case of ocean and inland waterways seamen of SeaRiver Maritime, Inc.) if such law had been applicable.

Regular employee

Full-time employees of Exxon Mobil Corporation or participating affiliates who are not hired on a temporary basis. Regular employees include employees designated by their employer as part-time regular.

Retiree

Generally, a person at least 55 years old who retires as a regular employee with 15 or more years of benefit service and who has not thereafter recommenced employment as a covered employee or a non-regular employee. Retiree status may also be attained by someone who is retired by the company as a regular employee and entitled to long-term disability benefits under the ExxonMobil Disability Plan after 15 or more years of benefit service, regardless of age.

Employees who terminate while non-regular are not eligible for retiree status regardless of age or service.

Special-agreement person

Generally, a person paid on a commission or commission salary basis other than a person paid while employed by the Marketing department of ExxonMobil; an employee providing service to a non-affiliated organization that pays the person's salary or wages; or an employee working pursuant to an agreement that specifically excludes the person from coverage for benefits.

Spouse; marriage

All references to marriage shall mean a marriage that is legally recognized under the laws of the state or other jurisdiction in which the marriage takes place, consistent with U.S. federal tax law. All references to a spouse or a married person shall refer to individuals who have such a marriage.

Suspended retiree

A person who becomes a retiree due to incapacity within the meaning of the ExxonMobil Disability Plan and who begins long-term disability benefits under that plan, but whose benefits stop because the person is no longer incapacitated. A person remains a suspended retiree until the earlier of the date the person:

• Reaches age 55, or
• Begins the benefit under the ExxonMobil Pension Plan, at which time, the person is again considered a retiree.