If your insurance is offered through your employment, talk to your insurance specialist at work.
If not, read the policy book that is sent out every year. It might have the info in it that you are looking for. If not, do what Mark suggests and call the company and be a nuisance until you get answers. After all, it's your money.
"When we go into battle, I will be the first to set foot on the field, and I will be the last to step off, and I will leave no one behind. Dead, or alive, we will all come home together." LTG Hal Moore, Jr., USA (Ret.)