Basic: Employer-paid, Employer automatically enrolls all eligible employees in this coverage, Benefits can be a flat amount or an increment of the employee's salary, Does not require Evidence of Insurability, Voluntary: Also referred to as "optional", Employee-paid, Also referred to as "supplemental", Employees elect coverage for themselves and/or their dependents, Benefits can be a flat amount, increments of a flat amount, or increments of the employee's salary, May require Evidence of Insurability,

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