Group Term Life. Post-tax Benefits IN THIS SECTION: Basic Life Insurance. Personal Accident Insurance Optional Life Insurance. Basic Life Insurance
|
|
- Priscilla Pierce
- 5 years ago
- Views:
Transcription
1 IN THIS SECTION: Basic Life Insurance Personal Accident Insurance Optional Life Insurance Plan Provider: Underwritten by Metropolitan Life Insurance Company (MetLife). The School District of Palm Beach County is always looking for ways to improve your benefits plan and wants you to have the opportunity to apply for the Life Insurance you need at a price you can afford. Getting the income protection needed to guard against life s uncertainties should not be difficult or expensive. That s why the School District of Palm Beach County is offering you a life benefits plan from MetLife. This coverage is designed to help provide your family with a financial foundation that you can build upon. You have the opportunity to benefit from all that MetLife offers, including: Basic Life Insurance and Personal Accident Insurance (employer paid); Optional Life Insurance and Optional Accident Insurance (employee paid); Spouse Life Insurance and Optional (Spouse) Accident Insurance (employee paid); Child Life Insurance (employee paid). You must submit a completed Statement of Health form directly to MetLife by mail or fax no later than December 19, Submission of an incomplete application will not extend the deadline. To download the Statement of Health form go to palmbeachschools.org/riskmgmt/benefits/ documents/statementofhealth.pdf Metropolitan Life Insurance Company Statement of Health Unit P.O. Box Lexington, KY FAX: Basic Life Insurance Protecting your family s future is no doubt one of your highest priorities. One way to help achieve this goal is through Life Insurance. The School District of Palm Beach County provides you with a valuable Basic Life Insurance Plan at no cost to you. What Are My Basic Life Insurance Benefits? The School District of Palm Beach County provides you with Basic Life Insurance in the amount of $20,000 for full-time employees and $10,000 for part-time employees. This benefit is provided at no cost to you. What Are the Basic Life Insurance Features? Accelerated Benefits Option Conversion Continued Protection (waiver of premium) Extended Death Benefit For more information regarding these features, please refer to the product features section on page 96. Exclusion - This plan will not pay benefits if loss of life is the result of suicide that occurs within the first two years of coverage. 92 Back to Table of Contents
2 Dependent Children Coverage available: Life Insurance only Amount of coverage available: For dependent child(ren) from age 6 months up to 26 years of age. Personal Accident Insurance MetLife insurance products are designed to provide full-time protection against accidental death or injuries 24 hours a day, 365 days a year. What benefits are available? When enrolled in Basic Life Insurance you automatically receive Personal Accident Insurance in an amount equal to your Basic Life Insurance. Provided alongside your Basic Life Insurance, this coverage is designed to help safeguard you and your family from a financial loss due to an unexpected accidental death or injury. MetLife and School District of Palm Beach County know that you are the best judge of your life insurance needs. Optional Life Insurance What benefits are available? In addition to your Basic Life Insurance, the School District of Palm Beach County is offering the opportunity to purchase additional life insurance protection through MetLife s Optional Life Insurance program. This benefit is designed to help provide financial security for you and your family. Since this coverage is an employee-paid benefit, premiums will be conveniently deducted from your paycheck post-tax. What are my options? What are the maximum amounts I can apply for? After carefully considering your lifestyle and utilizing the tools provided, you can decide just how much financial protection is right for you. Life Insurance reduction At age 70, providing you are still employed, your Optional Life coverage will decrease as follows: 65% reduction at age 70; 45% reduction at age 75; 30% reduction at age 80. Premiums and coverage for your spouse will end at age 70; at that time your spouse may choose to convert this coverage to an individual Life Insurance policy. You must submit your application to continue coverage within 31 days of termination and pay your premium. See the Life Insurance Certificate issued by MetLife for more details. It is the sole responsibility of the employee to apply for this benefit. NOTE: If you are covered as an employee, you cannot also be covered as a spouse or dependent child. No person may be eligible for insurance under this policy as both an employee and a spouse at the same time. Your dependent child(ren) may be enrolled for Optional Child Life Insurance under one insured employee s plan of benefits. You may either be enrolled as an employee or a dependent but not covered and enrolled under both classifications. 93 Back to Table of Contents
3 Guaranteed Issue: New Hires At the time of hire and during the benefit selection process, a new hire employee may select up to five (5) times their basic annual salary in $20,000 increments, not to exceed $500,000, with a minimum selection amount of $20,000. A Statement of Health (SOH) form is required for coverage exceeding $100,000. To download the Statement of Health form go to, palmbeachschools.org/riskmgmt/benefits/documents/ StatementOfHealth.pdf. For Optional Spouse Life Insurance, an employee may select coverage in $10,000 increments, not to exceed 50 % of the employee s Optional Life Insurance coverage with a minimum amount of $10,000 and a maximum amount of $250,000. A Statement of Health (SOH) form for the spouse is required for coverage exceeding $50,000. Go to palmbeachschools.org/riskmgmt/benefits/documents/ StatementOfHealth.pdf to download the Statement of Health form. For Optional Child Life Insurance, an employee may select coverage of $5,000 or $10,000. A Statement of Health form is NOT required for either election as both are guaranteed issue. The following age limit payout and eligibility applies: Live birth to six months: $1,500; and Six months to 25 years: $5,000 or $10,000 Two Child Life Options Are Available: Life insurance only Option One $5,000* at a monthly rate of $.35 for all children Option Two $10,000* at a monthly rate of $.69 for all children * For dependent child(ren) from live birth to 6 months, the benefit is $1,500. There is no matching amount of Accident Insurance for children. During Open Enrollment You may enroll for an additional $20,000 of Optional Life Insurance for yourself without providing evidence of good health, as long as you are currently enrolled for Optional Life Insurance and carry less than five times your annual salary or $100,000 (whichever is less). You may also apply for additional coverage for yourself, your spouse or dependent child(ren) at Open Enrollment. A MetLife Statement of Health form may be required. Coverage maybe subject to Underwriting Approval. What are the Optional Life Insurance features? Accelerated Benefits Option Will Preparation Services Conversion Continued Protection (waiver of premium) For more information regarding these features, please refer to the product features section on page 96. Optional Life coverage is provided under a group insurance policy, issued in Florida to the School District of Palm Beach County by MetLife. Optional Life Insurance under the School District of Palm Beach County s plan ends the earliest of: date insurance ends for employees class; end of the period for which the last premium has been paid for employee; date employee ceases to be in eligible class; end of the month in which employment ends; or end of the month the employee retires in accordance with the Policyholder s retirement plan. Only applicable if retirees are NOT covered. Benefits end on the last day of the month following the event. 94 Back to Table of Contents
4 Optional Accident Insurance Provided alongside your Optional Life Insurance, Optional Accident Insurance offers a matching amount of Optional Accident Insurance benefits in addition to the Personal Accident Insurance that the School District of Palm Beach County has made available to you. What Benefits are available? When you enroll in Optional Life Insurance, you are automatically enrolled in Optional Accident Insurance. The benefit amount for Optional Accident Insurance is equal to the benefit amount for Optional Life Insurance. Since this coverage is an employee-paid coverage, post-tax premiums will be conveniently deducted from your paycheck. What are the Optional Accident Insurance features? For Wearing a Seat Belt and Protection by an Airbag - Death benefits will be increased by 10%, but not more than $25,000, if the insured person dies as a direct result of injuries in a covered automobile accident while wearing a properly fastened seat belt. We will increase the death benefit by an additional 5%, but not more than $10,000, if the insured was in a sear protected by a properly functioning and deployed airbag. For Child Care Expense - MetLife will pay a benefit for a surviving child under 13 who is enrolled in a licensed child care center at the time of the accident or within 90 days afterward. This benefit is 3% of the benefit amount, to a maximum of $3,000 a year for 4 straight years or until the child turns 13, whichever occurs first. For Home Alteration and Vehicle Modification - If you or your insured spouse requires home alteration or vehicle modification within one year of a covered accident, we will pay 10% of your benefit amount, to a maximum of $25,000, for alterations or modifications that are physician-certified as necessary for an independent lifestyle. For Rehabilitation - If you or your insured spouse incurs rehabilitative expenses within two years of a covered loss, we will pay an additional 5% of the benefit amount, up to $10,000, for each covered accident. For Furthering Child Education - If you die in a covered accident, for each Child who qualifies for this benefit, we will pay an amount equal to the tuition charges incurred for a period of up to 4 consecutive academic years, not to exceed: an academic year maximum of $10,000; and an overall maximum of 20% of the Full Amount of the benefit. We may require Proof of the Child s continued enrollment as a full-time student during the period for which a benefit is claimed For Training for Your Spouse - If you die in a covered accident and your insured spouse is enrolled in an accredited school or enrolls within 1 year of Employee s death: $5,000 per year for 1 year Minimum = $1,000 Maximum = 5% of Full Amount For Hospital Confinement - If confinement occurs within 12 months of an accidental injury: 1% of Full Amount up to $2,500 maximum per month Beginning on the 5th day of confinement Maximum =12 months How much coverage can I buy? You You will automatically receive an amount equal to your Optional Life Insurance. Your spouse an amount equal to your Optional Spouse Life. You may need to request changes to your existing coverage if, in the future, you no longer have dependents who qualify for coverage. We will refund premium if you do not notify us of this and it is determined at the time of a claim that premium has been overpaid. Rates (Monthly) Optional Life Insurance & Optional Accident Insurance Employee only $.159 per $1,000 of coverage per month Employee & Spouse $.676 per $1,000 of coverage per month 95 Back to Table of Contents
5 What is not covered? Sickness, disease, physical or mental or surgical treatment thereof, or bacterial or viral infection, regardless of how contracted. (This does not include bacterial infection that is the natural and foreseeable result of an accidental external cut or wound, or accidental food poisoning.); Suicide or attempted suicide; Intentionally self-inflicted injury; Infection, other than infection occurring in an external accidental wound, not including accidental food poisoning; Service in the armed forces of any country or international authority. However, service in reserve forces does not constitute service in the armed forces, unless in connection with such reserve service an individual is on active military duty as determined by the applicable military authority other than weekend or summer training. Reserve forces are defined as reserve forces of any branch of the military of the United States or of any other country or international authority, including but not limited to the National Guard of the United States or the National Guard of any other country. Any incident related to travel in an aircraft or device: As a pilot, crew member, flight student or while acting in any capacity other than as a passenger; For parachuting or otherwise exiting from the aircraft while the aircraft is in flight except for the purpose of selfpreservation; For testing or experimental purposes; By or for any military authority; For travel or designed for travel beyond the earth s atmosphere; War, whether declared or undeclared; or act of war, insurrection, rebellion or active participation in a riot; If the injured party is intoxicated at the time of the incident and is the operator of a vehicle or other device involved in the incident. Intoxicated means that the injured person s blood alcohol level met or exceeded the level that creates a legal presumption of intoxication under the laws of the jurisdiction in which the incident occurred; If the injured party is committing or attempting to commit a felony; Voluntary intake or use by any means of: any drug, medication or sedative, unless it is: a. taken or used as prescribed by a Physician, or; b. an over the counter drug, medication or sedative taken as directed; Alcohol in combination with any drug, medication, or sedative; or Poison, gas, or fumes. Product Features Accelerated Benefit Option Terminal Illness Benefit - MetLife will pay a Terminal Illness Benefit if we determine you or your Spouse are Terminally Ill. The amount of this benefit is 80% of the Life Insurance Benefit in effect for you or your Spouse on the date we determine you are Terminally Ill up to the Max. Benefit amount shown in your Schedule of Benefits for this option. The Terminal Illness Benefit is payable only once in an Insured s lifetime. Will Preparation and Estate Resolution Services Will Preparation is offered by Hyatt Legal Plans, a MetLife company, and provides eligible employees and their spouses with face-to-face access to attorneys participating in Hyatt Legal Plans network for preparing or updating a will, living will and power of attorney. When you choose a participating Hyatt Legal Plans attorney, the attorney s fees are fully covered and there are no claim forms to file. You also have the flexibility of using a non-network attorney and being reimbursed for covered services according to a set fee schedule. is also available and provides online interactive tools to assist with the creation of a will and other legal documents on your own, at your own pace, 24 hours a day, 7 days a week. The site also provides access to other valuable financial educational materials. Face-to-Face Estate Resolution Services provides beneficiaries and executors/administrators access to face-to-face legal representation for probating your and your spouse s estates. Conversion If your coverage is reduced or ends due to age, disability or termination of employment, you can obtain an individual life insurance policy, without proof of good health. To convert coverage, you must apply for the individual policy and pay the first premium payment within 31 days after your group coverage ends. Eligible insured Dependents may convert their coverage as well. Converted policies are subject to additional restrictions if you convert because of termination or amendment of the group policy. 96 Back to Table of Contents
6 Continued Protection (waiver of premium) and Extended Death Benefit - To make sure you can keep the life insurance protection you need during a difficult period of your life, the Life Insurance Plan provides Continued Protection (waiver of premium). If you are totally disabled prior to age 60 and satisfy a 9 month waiting period, your Life Insurance will continue and you won t need to pay premiums while you are disabled. Once approved, Continued Protection (waiver of premium) can remain in force until age 65. HOW IT WORKS: If you are totally and permanently disabled prior to age 60, you may continue paying premiums for a maximum of 12 weeks from the date you were in a paid status. After 12 weeks, you will be given both the option to convert to an individual policy and an option to apply for a Continued Protection (waiver of premium) directly with the life insurance provider. You must apply for a Continued Protection (waiver of premium) within 9 months of the date of disability. During the wait period for Continued Protection (waiver of premium), a loss would be covered under the plan s Extended Death Benefit if you were totally and permanently disabled at the time of loss. Any conversion policy in place would be surrendered at this time and premiums paid for the conversion policy would be refunded. A loss during the Continued Protection (waiver of premium) wait period where you are not deemed to have been disabled at time of loss would require a conversion policy to be in place for a claim to be payable. Online Plan Description you will be able to review any of the Life and Accident Insurance provisions in more detail through the School District of Palm Beach County s website at Travel Assistance with Identity Theft Solutions To complement your MetLife Insurance coverage, you now have access to Travel Assistance, a special travel service administered by AXA Assistance USA, Inc. (AXA) through a marketing arrangement with MetLife. Travel Assistance offers you and your dependents worldwide medical, travel, concierge and legal and financial assistance services, 24 hours a day, 365 days a year. Travel Assistance Coverage While traveling internationally or domestically, 2 participants have access to medical assistance if faced with an emergency. With one simple phone call, you and your dependents will have access to: Over 600,000 pre-qualified providers worldwide; Air and ground ambulance service; Trained multilingual personnel who can advise and assist you quickly and professionally in a travel emergency. General Travel Information Before you travel, you can visit the AXA Assistance website to obtain information about your visa, passport, inoculation requirements and local customs as well as 24-hour predeparture information on weather, currency and much more. Identity Theft Solutions You and your dependents also have access to Identity Theft Solutions, a benefit accessible while you are home or traveling. This service provides: Education & Protection: An identity theft risk & prevention toolkit and resolution guide; Personal Guidance: Assistance with filing and obtaining police and credit reports, contacting creditor fraud departments, taking inventory of lost or stolen items and more. Concierge Services Also included are concierge services designed to fulfill various travel and entertainment requests as well as arrangements for business-related services such as flight, hotel and dining reservations, general destination and transportation information, city guides and much more. 97 Back to Table of Contents
7 This summary provides an overview of your plan s benefits. These benefits are subject to the terms and conditions of the contract between Metropolitan Life Insurance Company and the School District of Palm Beach County. Specific details regarding these provisions can be found in the Life and Accident Insurance Certificate issued by MetLife. If you have additional questions regarding your Life or Accident Insurance, please contact your benefits administrator. Coverage is underwritten by: Metropolitan Life Insurance Company, 200 Park Avenue, New York, New York A certificate of coverage for your Group Life Insurance Plan is available online at riskmgmt or can be accessed by contacting Risk & Benefits Management. DID YOU READ ABOUT? Basic Life Insurance? Optional Life Insurance features? Dependent Life Insurance options? 98 Back to Table of Contents
For more information, please refer to the Product Features and Services section at the end of this booklet.
Getting Started Meeting your coverage needs is simple. Review your options by following these easy steps. 1. Determine how much life insurance coverage you may need by using the needs assessment tool on
Group Life and AD&D Plan
Group Life and AD&D Plan TABLE OF CONTENTS (Click on any item below to go to that section) Introduction Group Life and AD&D Overview Life Insurance Optional Life Insurance Dependent Life Insurance Proof
Accidental Death & Dismemberment (AD&D)
Accidental Death and Dismemberment (AD&D), provides benefits for you or your insured dependents in the event of a covered accident on or off the job which results in loss of life, limbs, use of limbs,
Basic Term Life and Accidental Death and Dismemberment Insurance (AD&D)
Chico Research Foundation Plan Benefits Explore the coverage that makes it easy to give yourself and your loved ones more security today and in the future. Basic Term Life and Accidental Death and Dismemberment
MetLife Supplemental Life Insurance
Catholic Health East Plan Benefits Explore the coverage that makes it easy to give yourself and your loved ones more security today and in the future. Basic Term Life and Accidental Death and Dismemberment
Basic Life Insurance (Employer Paid) Optional Life Insurance (Employee Paid) Voluntary Accidental Death and Dismemberment Coverage (Employee Paid)
Life Insurance Getting Started Resources Global Professionals Associate Plan Meeting your coverage needs is simple. Review your options by following these easy steps. 1. Determine how much life insurance
Supplemental Term Life/AD&D 10 499 Covered Lives
Benefits Description Group Life Insurance Supplemental Term Life/AD&D 10 499 Covered Lives Features Continuation of Life Insurance While Totally Disabled Continuation of Life Insurance is provided for
Other Coverage Features
Voluntary Term Life Insurance Overview Prepared for the employees of BenefitMall Voluntary Term Life Insurance Coverage paid by you What would happen to your family if you and your income were gone? Could
Basic Term Life and Accidental Death and Dismemberment Insurance (AD&D)
Denver Public Schools Life Plan Benefits Explore the coverage that makes it easy to give yourself and your loved ones more security today and in the future Basic Term Life and Accidental Death and Dismemberment
Monthly Cost for Voluntary Accidental Death & Dismemberment (AD&D) Insurance:
UMB Financial Corporation Plan Benefits Explore the coverage that makes it easy to give yourself and your loved ones more security today and in the future. Voluntary Accidental Death and Dismemberment
MetLife Group Life Insurance
State of Maryland s Plan Benefits Explore the coverage that makes it easy to give yourself and your loved ones more security today and in the future. Your Supplemental Term Life Insurance Coverage Options
Voluntary Term Life, Voluntary Personal Accident Insurance Overview
Voluntary Term Life, Voluntary Personal Accident Insurance Overview Prepared for the employees of Westminster College Voluntary Term Life Insurance Coverage paid by you What would happen to your family
Voluntary Term Life Insurance Overview
Voluntary Term Life Insurance Overview Prepared for the employees of The Columbus Organization Voluntary Term Life Insurance Coverage paid by you What would happen to your family if you and your income
Columbus State Community College Life Plan Benefits
Columbus State Community College Life Plan Benefits Explore the coverage that makes it easy to give yourself and your loved ones more security today and in the future. Basic Term Life and Accidental Death
Basic & Voluntary Term Life, Basic & Voluntary Personal Accident Insurance Overview
Basic & Voluntary Term Life, Basic & Voluntary Personal Accident Insurance Overview Prepared for the employees of Lane Community College Basic Term Life Insurance Coverage What would happen to your family
Explore the coverage that makes it easy to give yourself and your loved ones more security today and in the future.
Lansing Community College Plan Benefits Explore the coverage that makes it easy to give yourself and your loved ones more security today and in the future. Optional Term Life Insurance Coverage Options
Explore the coverage that makes it easy to give yourself and your loved ones more security today and in the future.
MetLife Voluntary Life Insurance Explore the coverage that makes it easy to give yourself and your loved ones more security today and in the future. Basic Term Life and Accidental Death and Dismemberment
PERSONAL ACCIDENT INSURANCE
Who is Eligible for Coverage? PERSONAL ACCIDENT INSURANCE You, the Employee, are eligible for coverage, if you are an active full-time or part-time employee of Hanford Employee Welfare Trust (HEWT) sponsoring
Monthly Costs for Supplemental Term Life Insurance
Explore the coverage that makes it easy to give yourself and your loved ones more security today and in the future. Monthly Costs for Supplemental Term Life Insurance MetLife offers Supplemental Term life
Voluntary Life Insurance Coverage paid by you
Voluntary Life Insurance Coverage paid by you Employee All active, full-time U.S. Employees regularly working a minimum of 30 hours per week. Benefit Amount Units of $10,000 to $500,000, not to exceed
Basic & Voluntary Term Life, Basic & Voluntary Personal Accident Insurance Overview Prepared for the employees of Hardy Diagnostics
Basic & Voluntary Term Life, Basic & Voluntary Personal Accident Insurance Overview Prepared for the employees of Hardy Diagnostics Basic Term Life Insurance Coverage paid by your employer What would happen
Visa Inc. MetLife Life and AD&D Insurance Plan. Summary of Benefits for Employees
Visa Inc. MetLife Life and AD&D Insurance Plan Summary of Benefits for Employees Effective January 1, 2013 MetLife Life and AD&D Insurance Plan 1 Table of Contents BENEFITS UNDER THE LIFE AND AD&D PLAN...
NASA Employees Benefit Association Plan Benefits
NASA Employees Benefit Association Plan Benefits Explore the coverage that makes it easy to give yourself and your loved ones more security today and in the future. For You 1 times your basic annual earnings
Saudi Arabian Oil Company (Saudi Aramco)
Saudi Arabian Oil Company (Saudi Aramco) U.S. Dollar Payroll Group Life Insurance Plan January 1, 2016 January 1, 2016 GROUP INSURANCE PLAN WHO IS ELIGIBLE... 1 HOW TO PARTICIPATE... 1 COST AND FUNDING...
Voluntary Term Life and AD&D Insurance
Voluntary Term Life and AD&D Insurance Prepared for the employees of Xavier University Voluntary Term Life Insurance Coverage What would happen to your family if you and your income were gone? - Could
Fort Worth Independent School District Active Employees Life Plan Benefits
Fort Worth Independent School District Active Employees Life Plan Benefits Explore the coverage that makes it easy to give yourself and your loved ones more security today and in the future Basic Term
Life. Group Term Life Plans Group Sizes 2 or more. Underwritten by BEST Life and Health Insurance Co. LIFE-081809
Group Term Plans Group Sizes 2 or more Underwritten by BEST and Health Insurance Co. LIFE-081809 Insurance for Protection Group Term insurance provides valuable and affordable group benefits, providing
outlined in the conversion brochure which may be requested as needed. Premiums may change at this time.
Basic Term Life and Accident Insurance Overview Prepared for the employees of Ukpeagvik Inupiat Corporation Basic Term Life Insurance Coverage paid by your employer What would happen to your family if
Group Term Life and AD&D Insurance
AIG Benefit Solutions Benefits Brochure Group Term Life and AD&D Insurance A voluntary plan to protect you and your family For the employees of Town of Westford Policies issued by: American General Life
PLAN DESCRIPTION for the Members of WORLDWIDE ASSURANCE FOR EMPLOYEES OF PUBLIC AGENCIES, INC.
PLAN DESCRIPTION for the Members of WORLDWIDE ASSURANCE FOR EMPLOYEES OF PUBLIC AGENCIES, INC. Underwritten by LIFE INSURANCE COMPANY OF NORTH AMERICA Philadelphia, Pennsylvania. A Stock Insurance Company,
12505-645820-BROKERED
Voluntary Life Insurance Standard Insurance Company has developed this document to provide you with information about the optional coverage you may select through your employer. Written in non-technical
Voluntary Term Life Insurance and AD&D Coverage Highlights
Coverage Highlights Educational Service Center of Franklin County Policy # 126694 Please read carefully the following description of your Unum Term Life and AD&D insurance plan. Your Plan Eligibility Coverage
Community College System of New Hampshire Basic Life, Additional Life, Spouse and Child Life, and Accidental Death & Dismemberment
Benefits at a Glance for Community College System of New Hampshire Group Policy # 152335 Effective Date January 1, 2011 (Date of last revision: 10/22/13) I. Basic Life and Accidental Death and Dismemberment
McAllen Independent School District Policy # 219632
Term Life Insurance and AD&D Coverage Highlights McAllen Independent School District Policy # 219632 Please read carefully the following description of your Unum Term Life and AD&D insurance plan. Your
METROPOLITAN LIFE INSURANCE COMPANY NEW YORK, NEW YORK
METROPOLITAN LIFE INSURANCE COMPANY NEW YORK, NEW YORK POLICYHOLDER: Group Policy Form No: GPNP12-AX (Referred to as the Group Policy ) Certificate Form No: GCERT12-AX (Referred to as the Certificate )
School District of the City of Battle Creek- Administrative Staff Policy # 116823
Coverage Highlights School District of the City of Battle Creek- Administrative Staff Policy # 116823 Please read carefully the following description of your Unum VolunatryTerm Life and AD&D insurance
Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA
Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA Howard University and Howard University Hospital D.B.A. Howard University, Inc. YOUR GROUP LIFE INSURANCE CONTAINS AN ACCELERATED
Term Life Insurance and AD&D Coverage Highlights
Coverage Highlights Your Plan Eligibility Policy Number 146240 Please read carefully the following description of your UnumProvident Term Life and AD&D insurance plan. Coverage Amounts All active full-time
Danaher Corporation. Voluntary Accidental Death & Dismemberment Reference Manual. for
Voluntary Accidental Death & Dismemberment Reference Manual for Danaher Corporation Metropolitan Life Insurance Company New York, NY 10010 L0109284T(exp0902)MLIC-LD 1 Voluntary Accidental Death and Dismemberment
North East Independent School District Policy # 148281
Coverage Highlights North East Independent School District Policy # 148281 Please read carefully the following description of your Unum Term Life and AD&D insurance plan. Your Plan Eligibility Coverage
YOUR GROUP LIFE INSURANCE PLAN
YOUR GROUP LIFE INSURANCE PLAN For Members of 6CC000 B-14564 4-15 CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE OF BENEFITS...........................................
Municipal School Districts of Shelby County. Basic Term Life and Accidental Death and Dismemberment Insurance (AD&D)
Municipal School Districts of Shelby County Plan Benefits Explore the coverage that makes it easy to give yourself and your loved ones more security today and in the future Basic Term Life and Accidental
Group Life. Travel Assistance. Protection You Can Take With You. If I need assistance while I m traveling at any time, from anywhere.
Group Life Travel Assistance Protection You Can Take With You. If I need assistance while I m traveling at any time, from anywhere. A Unique Advantage Congratulations! To complement your MetLife Insurance
The School District of Volusia County Policy # 25156
Basic and Supplemental Coverage Highlights ADR1879-2001 The School District of Volusia County Policy # 25156 The Basic and Supplemental Life Insurance coverage offered by the School District of Volusia
Pioneer Surgical Technology, Inc. Policy # 151666
Coverage Highlights Pioneer Surgical Technology, Inc. Policy # 151666 Please read carefully the following description of your Unum Term Life and AD&D insurance plan. Your Plan Eligibility Coverage Amounts
Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA
Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA Health Science Campus - Life Insurance GROUP POLICY NUMBER - 234782-001 BOOKLET EFFECTIVE DATE - January 1, 2014 BOOKLET AMENDMENT
YOUR GROUP LIFE INSURANCE PLAN
YOUR GROUP LIFE INSURANCE PLAN For Employees of Harford County Public Schools ReliaStar Life Insurance Company P.O. Box 20 Minneapolis, MN 55440-0020 LC00GP B-11595 03-09 (3,000) TABLE OF CONTENTS CERTIFICATION
AD&D and Life Insurance Information
Coverage Highlights Centenary College of Louisiana Policy # 136985 Please read carefully the following description of your Unum Term Life and AD&D insurance plan. Your Plan Eligibility Coverage Amounts
Additional Life Coverage Highlights Johnson County Community College
Additional Life and Accidental Death and Dismemberment (AD&D) Insurance Standard Insurance Company has developed this document to provide you with information about the optional coverage you may select
VII. Life & Accident Insurance Programs Table of Contents
VII. Life & Accident Insurance Programs Table of Contents About This Section...1 An Overview of the Life and Accident Insurance Programs...2 How Benefits Are Paid...2 Basic Life Insurance...3 Imputed Income...3
Group Term Life and AD&D Insurance
AIG Benefit Solutions Benefits Brochure Group Term Life and AD&D Insurance A voluntary plan to protect you and your family For the members of NYSPFFA Policies issued by: American General Life Insurance
High Desert & Inland Employee-Employer Trust Policy # 98931
Voluntary Term Life Insurance/AD&D Coverage Highlights APPLE VALLEY UNIFIED SCHOOL DISTRICT DIVISION 002 High Desert & Inland Employee-Employer Trust Policy # 98931 Please read carefully the following
Robinson McFadden & Moore, P.C. Policy # 39860
Coverage Highlights Robinson McFadden & Moore, P.C. Policy # 39860 Please read carefully the following description of your Unum Term Life and AD&D insurance plan. Your Plan Eligibility Coverage Amounts
Montana Chamber Choices Policy # 79372
Coverage Highlights Montana Chamber Choices Policy # 79372 Please read carefully the following description of your Unum Voluntary Term Life and AD&D insurance plan. Your Plan Eligibility Coverage Amounts
VOLUNTARY ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE
SCOPE OF INSURANCE ELIGIBILITY VOLUNTARY ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE This Voluntary Accident Insurance Plan provides accident coverage 24 hours a day...365 days a year...worldwide...on or
Optional Accidental Death And Dismemberment Insurance
Optional Accidental Death And Dismemberment Insurance For Employees Participating In OEBB Plans Standard Insurance Company Optional Accidental Death And Dismemberment Insurance About This Brochure This
Zionsville Community School Corporation Policy # 593898
Coverage Highlights Zionsville Community School Corporation Policy # 593898 Please read carefully the following description of your Unum Term Life and AD&D insurance plan. Your Plan Eligibility Coverage
Bandera ISD Basic Life / AD&D Plan
Bandera ISD Basic Life / AD&D Plan Underwritten by: 4 Ever Life Insurance Company Administered by: Bay Bridge Administrators, LLC Eligibility: This program of Group Term Life Insurance is available to
NORTHERN NEW ENGLAND BENEFIT TRUST LIFE INSURANCE ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE
NORTHERN NEW ENGLAND BENEFIT TRUST LIFE INSURANCE ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE LIFE INSURANCE ACCIDENTAL DEATH AND DISMEMBERMENT INTRODUCTION Life Insurance and Accidental Death & Dismemberment
Group Basic Life and AD&D Insurance
Group Basic Life and AD&D Insurance City & County of Denver S T A N D A R D I N S U R A N C E C O M P A N Y City & County of Denver Group Basic Life and AD&D Insurance WHAT ARE MY BASIC LIFE AND AD&D BENEFITS?
Group Additional Life Insurance
Group Additional Life Insurance Montana Association of Counties Health Care Trust (MACoHCT) Answers To Your Questions About Coverage From Standard Insurance Company Standard Insurance Company Group Additional
University of Mississippi Medical Center Policy # 111686-002
Term Life Insurance and AD&D Coverage Highlights ADR1879-2001 University of Mississippi Medical Center Policy # 111686-002 Please read carefully the following description of your Unum Term Life and AD&D
Saint Michael's College Policy # 563390
Term Life Insurance and AD&D Coverage Highlights Saint Michael's College Policy # 563390 Please read carefully the following description of your Unum Term Life and AD&D insurance plan. Your Plan Eligibility
LIFE AND AD&D DEPENDENT LIFE AND AD&D SHORT-TERM DISABILITY INCOME LONG-TERM DISABILITY INCOME
LIFE AND AD&D DEPENDENT LIFE AND AD&D SHORT-TERM DISABILITY INCOME LONG-TERM DISABILITY INCOME ADMINISTERED BY The Managing Agency Group One Enterprise Drive, Suite 210 Shelton, CT 06484 800-243-2534/local
Group Voluntary Term Life Coverage Effective Date: 3/1/2014
Policyholder: GLAHIT - Schreiner University Group Voluntary Term Life Coverage Effective Date: 3/1/2014 This summary of group voluntary term life coverage from Principal Life Insurance Company supplements
Life Insurance & Voluntary AD&D Insurance
30 Life Insurance & Voluntary AD&D Insurance Elective Benefits The Standard Life Insurance Plan Basic and Additional (Supplemental) Life Insurance Group Policy Effective Date January 1, 2012 It s not easy
Term Life and Accident Insurance
Term Life and Accident Insurance Developed for the Employees of Hobart and William Smith Colleges 811761 a 06/12 Life Insurance Who Needs Life Insurance? You do. Single or married. Buying your first home
Egyptian Area Schools term life insurance program
FOR GROUP BENEFITS EduBenefit Egyptian Area Schools term life insurance program Supplemental group term life insurance SM Help secure their futures You can help make sure your loved ones can continue to
Group Optional Life Insurance and Voluntary Accidental Death and Dismemberment Insurance
Group Optional Life Insurance and Voluntary Accidental Death and Dismemberment Insurance For University of Alaska Employees Standard Insurance Company Group Optional Life Insurance Group Accidental Death
Standard Insurance Company Additional Life and AD&D Coverage Highlights City of Tacoma
Additional Life and Accidental Death and Dismemberment (AD&D) Insurance Life insurance coverage can help your family meet daily expenses, maintain their standard of living, pay off debt, secure your children
ReliaStar Life Insurance Information
YOUR GROUP SUPPLEMENTAL LIFE INSURANCE PLAN For Employees of COUNTY OF SANTA BARBARA 6CC000 B-14025 3-13 (E-Book) CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE OF
Virginia Polytechnic Institute and State University Voluntary Accidental Death & Dismemberment Insurance GTU 5091373
Virginia Polytechnic Institute and State University Voluntary Accidental Death & Dismemberment Insurance GTU 5091373 The following is a brief description of the Voluntary Accidental Death and Dismemberment
Additional Life Insurance with AD&D Coverage Highlights The Salvation Army
Accidental Death and Dismemberment (AD&D) Standard Insurance Company has developed this document to provide you with information about the optional coverage you may select through. Written in non-technical
Your Life, AD&D and Disability Benefits Guide. Enroll Now To Help Secure Your Financial Future. Southern Methodist University
Your Life, AD&D and Disability Benefits Guide Enroll Now To Help Secure Your Financial Future Welcome To Your Life, AD&D And Disability Benefits Guide Protect What Matters Most Building a financial safety
Group and Voluntary Life and AD&D
Group and Voluntary Life and AD&D Voluntary Life and AD&D Coverage for You and Your Family Voluntary Life and AD&D coverage is a great way to help your loved ones manage their financial needs in case there
2014 Life Insurance Guide
2014 Life Insurance Guide Worldwide Assurance for Employees of Public Agencies www.waepa.org Guide 2014 Life Insurance Guide 2014 Life Insurance Guide Published by, Worldwide Assurance for Employees of
Aflac Life Solutions. Whole Life Insurance. We ve been dedicated to helping provide peace of mind and financial security for nearly 60 years.
Aflac Life Solutions Whole Life Insurance We ve been dedicated to helping provide peace of mind and financial security for nearly 60 years. A68175FL IC(12/13) Aflac LIFE SOLUTIONS WHOLE LIFE INSURANCE
YOUR GROUP LIFE INSURANCE PLAN
YOUR GROUP LIFE INSURANCE PLAN For Employees of Hendricks Community Hospital 6CC000 B-11654 (50) 10-08 CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE OF BENEFITS...........................................
GROUP BENEFIT PROGRAM HIGHLIGHTS
Group Disability GROUP BENEFIT PROGRAM HIGHLIGHTS When the death of a family provider occurs, families find themselves facing not only the loss of a loved one but also the loss of their financial security.
Group Additional Life Insurance
Group Additional Life Insurance For the employees of Montana University System Answers To Your Questions About Coverage From Standard Insurance Company About This Booklet This booklet is designed to answer
Aflac Life Solutions TERM LIFE INSURANCE
Aflac Life Solutions TERM LIFE INSURANCE We ve been dedicated to helping provide peace of mind and financial security for nearly 60 years. A68275COM IC(10/13) AFLAC LIFE SOLUTIONS TERM LIFE INSURANCE Policies
McMaster University Voluntary Accidental Death & Dismemberment Insurance (AD&D) CHUBB Insurance Company of Canada Policy #6477 45 51-04
McMaster University Voluntary Accidental Death & Dismemberment Insurance (AD&D) CHUBB Insurance Company of Canada Policy #6477 45 51-04 CHUBB Insurance Company of Canada SCOPE OF INSURANCE This Voluntary
City of Frisco Policy # 94716
Flex Coverage Highlights City of Frisco Policy # 94716 Please read carefully the following description of your Unum Term Life and AD&D insurance plan. Your Plan Eligibility All active full time Benefit
Term Life and Accident Insurance
Term Life and Accident Insurance Developed for the Employees of Associated Universities, Inc. 811761 a 06/12 Life Insurance Who Needs Life Insurance? You do. Single or married. Buying your first home
GROUP INSURANCE STATE OF LOUISIANA
Y O U R E N R O L L M E N T K I T GROUP INSURANCE Basic Term Life Insurance Basic Term Life & Supplemental Term Life Insurance Accidental Death & Dismemberment (AD&D) Insurance Dependent Term Life Insurance
Life and Accident Insurance
Life and Accident Insurance Honda offers basic life and accident insurance and business travel insurance benefits for you or your survivors in the event of your accidental death or serious injury. Table
) Your benefit enrollment is coming soon. What would your family do without your income?
Term life and AD&D insurance Employee purchase What would your family do without your income? Unum s term life and AD&D insurance can help. Better prepared for the future Jarrod and Amy have two careers,
Financial protection for what matters most
OAK HARBOR FREIGHT LINES INCORPORATED PO BOX 1469 AUBURN, WA 98071 Don t miss your chance to sign up for this valuable coverage. Enroll by November 30, 2015. Financial protection for what matters most
NRECA Group Term Life and AD&D Insurance Plan
NRECA Group Term Life and AD&D Insurance Plan SUMMARY PLAN DESCRIPTION For: BIG COUNTRY ELECTRIC COOPERATIVE 01-44163-001 EFFECTIVE DATE: January 1, 2013 Introduction This document is a Summary Plan Description
NCPERS Family Protection Plus
NCPERS Family Protection Plus Group Decreasing Term Life Insurance For more information or to sign-up for the plan, please visit www.ncpersfamilyprotection.com OPEN ENROLLMENT CONTINUES THROUGH NOVEMBER
Education Service Unit 3 Omaha, NE. Retirees. Form GTL-2-CERT.
Education Service Unit 3 Omaha, NE Retirees MADISON NATIONAL LIFE INSURANCE COMPANY, INC. Mailing Address: P.O. Box 5008, Madison, Wisconsin 53705 (HEREIN CALLED THE COMPANY) Certifies that it has issued
Life Insurance Plan. for. Full-Time Appointed. Employees. IndianaUniversity. University Human Resource Services Effective January 1, 2004
Life Insurance Plan for Full-Time Appointed Employees of IndianaUniversity University Human Resource Services Effective January 1, 2004 This booklet is designed to summarize the group Life Insurance Plan
Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA
Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA INTEGRITYOne Partners, Inc. YOUR GROUP LIFE INSURANCE CONTAINS AN ACCELERATED BENEFITS OPTION. RECEIPT OF ACCELERATED BENEFITS
Participation Requirement: To implement the program, the greater of 20% or five employees must elect coverage.
Policyholder: INSURANCE OFFICE OF RAYMOND N. STRICKLAND JR, INC. Group Voluntary Term Life Coverage Effective Date: 3/1/2012 This summary of group voluntary term life coverage from Principal Life Insurance
Technicians Insurance Program
YOUR ACCEPTANCE TO OUR INSURANCE PLANS IS GUARANTEED...If you apply during your first 31 days of employment or if you apply during an official enrollment. ACT NOW BEFORE SPECIAL ELIGIBILITY ENDS! Guaranteed
Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY
Group Voluntary Life and Accidental Death and Dismemberment (AD&D) Insurance FOR ACTIVE MEMBERS OF THE STATE OF NEVADA PUBLIC EMPLOYEES BENEFITS PROGRAM Answers to your questions about coverage from Standard
Personal Accident Insurance
Personal Accident Insurance Developed for the Employees of Texas Association of Business Member Firms 817762 a 06/12 Who Needs Personal Accident Insurance? You do. Accident insurance can help you pay expenses
Optional Life Insurance Benefits
Optional Life Insurance Benefits For Employees of Hempstead Independent School District - Policy #240627 All Eligible Employees A Worldwide Presence Our parent company s operations currently service millions
Bradley University Policy # 133255
Voluntary Term Life and AD&D Insurance Coverage Highlights Bradley University Policy # 133255 Please read carefully the following description of your Unum Voluntary Term Life and AD&D insurance plan. Your