In the AMA Tradition... Serving the insurance Needs of Physicians and Their Families
|
|
- Rudolf Lynch
- 8 years ago
- Views:
Transcription
1 In the AMA Tradition... Serving the insurance Needs of Physicians and Their Families Almost three decades ago, the American Medical Association (AMA) - recognizing the importance of highquality insurance protection - began to sponsor disability income insurance for its physician members. In 1990, the AMA received requests from residents for disability income coverage. In response, the House of Delegates passed a resolution calling for a study to investigate the feasibility of offering a new AMAsponsored program of insurance plans to better meet the need of residents. Based on a review of the information collected, the AMA determined that there was a significant need for a comprehensive program that included disability income. History of the Underwriter Provident Life and Accident Insurance Company, founded in 1887, is today a subsidiary of UnumProvident Corporation, the world leader in income and lifestyle protection. Provident was one of the first companies to enter the group insurance business, helping to pioneer payroll deduction plans, group medical insurance, and affordable accident and sickness coverage for workers in high-risk occupations. The AMA Insurance Agency, Inc. and Provident Life and Accident Insurance Company have had a longstanding relationship. Since the early 1 970s the Agency and Provident have worked as a team to provide quality insurance protection for physicians and their families. When it came to the development of a group insurance program for students and residents in the medical field, it was imperative to the agency that the partner selected have a strong financial background, the ability to offer quality coverage, and a definite focus on the customer. Provident was the natural underwriting partner for the Agency. AMA Insurance Agency, Inc. and Provident developed the AMA-Sponsored Med Plus Advantage Insurance Program. Provident is rated A+ (Superior) by A.M. best for financial condition and operating performance; this rating by an independent insurance analyst attests to Provident s financial condition and operating performance.
2 DISABILITY INCOME INSURANCE PLAN Eligibility: Plan Features: Plan Features (continued): To be eligible for coverage, students must be engaged full-time in the curriculum at the University of Florida College of Medicine. The coverage is provided with guaranteed insurability and helps to protect a student should he/she become disabled. The plan provides a monthly benefit for a covered student should he become disabled -Total Disability, and Total and Permanent Disability (as these terms are defined in the certificate of insurance) will determine payment of benefits. The monthly benefit may be reduced by any salary or other compensation payments in excess of $3000 from the employer. Premiums are waived during the period of time disability benefits are payable. Benefit payments for total disability due to mental and nervous disorders, as defined in the certificate of insurance, for which treatment is received on an outpatient basis, will be limited to 24 months while the student is insured under the plan. When a covered student is Totally and Permanently Disabled he/she is eligible for the following: A $5,000 lump sum benefit Repayment of all the eligible debt up to $150,000 that a student is legally liable to repay for college and/or medical education. Survivor Benefit If a covered student dies during a total disability that has lasted for at least 6 consecutive months and has an eligible survivor, the plan pays a benefit to the eligible survivor equal to 4 times the amount of the monthly benefit paid immediately prior to death.
3 AMA-Sponsored Med Plus Advantage Disability Plan for Medical Students At the University of Florida College of Medicine Monthly Benefit Medical Students: $1,000 Yrs.1-2 $1,500 Yrs. 3-4 Underwriting Guaranteed Issue - all students will be insured Elimination Period 90 Days After 90 days of disability, you become eligible to receive the monthly disability benefits Definition of Total Disability First 60 months Unable to perform material duties of student After 60 months Unable to perform for pay or profit in a job for which you are qualified by reason of training, education, or experience Benefit Period To age 65 Monthly benefit will not be reduced by other disability benefits. Benefits will be reduced by other work income earned. Recurring Disability 6 months Definition of Permanent & Total Not expected to recover; Unable to work in a Disability position for which you are trained by reason of education, training or experience; Must be totally disabled for at least 12 months. Permanent & Total Disability Benefits $150,000 Loan Payoff $5,000 One time Lump Sum Benefit Continuation after Graduation Guaranteed Issue to $2,000/$2,500 MPA Resident Plan with loan payoff and lump sum benefits. Pre - Existing Condition Limitation Losses beginning after 12 months from the effective date caused by pre-ex conditions are covered.
4 PROPOSED ANNUAL PREMIUM RATES (PER STUDENT) Disability Income Plan for Medical Students: $48.03 $1,000 monthly benefit years 1 & 2 $1,500 monthly benefit years 3 and 4 90 day Elimination Period Benefit Period to age 65 12/12 pre-ex August 1, 2002
5 Preexisting Conditions Limitation: Benefits will not be paid for any condition which, within 12 months prior to the effective date of the student s insurance, resulted in receiving medical advice or treatment. Benefits will not be paid for loss which starts within l2 months of the effective date of the student s insurance and which is caused by pre-existing conditions. What is not covered: The plan will not pay benefits for loss caused by war or any act of war; intentionally selfinflicted injury; periods of disability which occur outside the United States unless the student is temporarily traveling for business or pleasure; any period of disability during which the student is not residing in the United States or Canada, unless the Insurance Company agrees in writing to provide such coverage before the student leaves; or Preexisting conditions except as stated above. Continuation Option Covered students beginning residency training are eligible to continue their coverage, without evidence of insurability, as follows: During the first two years of residency: $2,000 After completion of two years of residency: $2,500 At the completion of residency training, covered residents are eligible to convert to an individual disability income plan of up to $5,000 without medical underwriting.
Table of Contents. 1 Partnering for Success... 2. 5 Questions and Answers... 9. 2 About Liberty Mutual... 3. 3 Supplementing the State's Plan...
Table of Contents 1 Partnering for Success... 2 Page 2 About Liberty Mutual... 3 3 Supplementing the State's Plan... 4 4 Plan Highlights... 7 5 Questions and Answers... 9 UNC Supplemental Disability 1
More information+www.medplusadvantage.com/grad
Med Plus +www.medplusadvantage.com/grad Advantage Sponsored by the American Medical Association disability income protection AMA-Sponsored Group Insurance for Resident Continuees + Med Plus Advantage Sponsored
More informationLong-Term Disability Insurance
Long-Term Disability Insurance Developed for the Employees of Lake County Board of County Commissioners 817763 a 06/12 Protecting Your Family Securing Your Future As long as you've got your health. If
More informationShort-Term Disability Insurance
Short-Term Disability Insurance 817763 a 06/12 Developed for the Employees of Lake County Board of County Commissioners Protecting Your Family Securing Your Future As long as you've got your health. If
More informationLong-Term Disability Insurance
Long-Term Disability Insurance Developed for the class 1 Employees of Research Triangle Institute Protecting Your Family Securing Your Future As long as you've got your health. If you're physically healthy,
More informationGroup Long Term Disability Insurance
Group Long Term Disability Insurance The California State University S T A N D A R D I N S U R A N C E C O M P A N Y The following is a brief description of some of the coverage highlights for the California
More informationTechnicians 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
More informationLong-Term Disability Insurance
Long-Term Disability Insurance Developed for the Employees of City of Colorado Springs (Employees with less than 5 years of PERA Service) (City Council Members) How This Program Protects You If you suffer
More informationAAD Group Disability Income Insurance Plan. Frequently Asked Questions
Frequently Asked Questions 1. What is Disability Income Insurance and why would I need it? Disability Income Insurance can help pay the bills after your short-term benefits are depleted. Many times you
More informationGroup Long Term Disability Insurance
Group Long Term Disability Insurance The California State University Standard Insurance Company Group Long Term Disability Insurance The following is a brief description of some of the coverage highlights
More informationLong-Term Disability Insurance
Long-Term Disability Insurance Developed for the employees of Pennsylvania State System of Higher Education Protecting Your Family Securing Your Future If you re physically healthy, you can work, play,
More informationLong-Term Disability Insurance
Long-Term Disability Insurance 817763 a 06/12 Developed for the Employees of Pennsylvania State System of Higher Education Protecting Your Family Securing Your Future As long as you've got your health.
More informationVoluntary Supplemental Long Term Disability Plan
PRUDENTIAL S GROUP INSURANCE Voluntary Supplemental Long Term Disability Plan Southern Illinois University #92822 Issued by The Prudential Insurance Company of America 0172180 Get Peak Protection for You
More informationExpanded Long Term Disability Insurance
Expanded Long Term Disability Insurance Professional Engineers In California Government STANDARD INSURANCE COMPANY This program is sponsored by the Professional Engineers in California Government PECG
More informationVoluntary Long Term Disability Insurance Answers to your questions about coverage from Standard Insurance Company
Voluntary Long Term Disability Insurance Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY About This Booklet This booklet is designed to answer some common
More informationPolicy Features and Key Differences
ProVider Plus & ProVider Plus Limited Comparison Insurance Proposal Policy Features and Key Differences Male, age 30, Rhode Island Proposed Coverage Details ProVider Plus ProVider Plus Limited Base Policy
More informationSt. Louis County Voluntary Long-Term Disability Insurance
St. Louis County Voluntary Long-Term Disability Insurance 3 in 10 workers entering the workforce today will become disabled before retiring. 1 Are you willing to gamble with your paycheck? Why Disability
More informationShort-Term Disability Insurance
Short-Term Disability Insurance Developed for the class 1 Employees of Research Triangle Institute Protecting Your Family Securing Your Future As long as you've got your health. If you're physically healthy,
More informationThe Hospital Authority of Valdosta and Lowndes County dba South Georgia Medical Center
LIFE INSURANCE COMPANY OF NORTH AMERICA 1601 CHESTNUT STREET GROUP POLICY PHILADELPHIA, PA 19192-2235 (800) 732-1603 TDD (800) 552-5744 A STOCK INSURANCE COMPANY POLICYHOLDER: POLICY NUMBER: The Hospital
More informationLong-Term Disability Insurance
Long-Term Disability Insurance Developed for Full-time Employees of Our Lady of Lourdes, Camden Protecting Your Family Securing Your Future As long as you've got your health. If you're physically healthy,
More informationLong-Term Disability Insurance
Long-Term Disability Insurance Seton Hall University Staff 817763 a 06/12 Protecting Your Family Securing Your Future As long as you've got your health. If you're physically healthy, you can work, play,
More informationVOLUNTARY SUPPLEMENTAL LONG TERM DISABILITY PLAN
VOLUNTARY SUPPLEMENTAL LONG TERM DISABILITY PLAN Chicago State University #50563 Eastern Illinois University #93024 Governors State University #92820 Illinois State University #92821 Northeastern Illinois
More informationSupplemental Long Term Disability Insurance
Supplemental Long Term Disability Insurance FOR EMPLOYEES OF THE STATE OF SOUTH CAROLINA Answers to your questions about coverage from Standard Insurance Company S TA N D A R D I N S U R A N C E C O M
More informationThe University of Mississippi. Long Term Disability Insurance Plan
The University of Mississippi Long Term Disability Insurance Plan The University of Mississippi Long Term Disability Insurance Plan Features and Cost You have an opportunity to help protect one of your
More informationLong Term Disability Insurance
Long Term Disability Insurance Massachusetts Board of Higher Education STANDARD INSURANCE COMPANY Long Term Disability Insurance Answers to your questions about coverage from Standard Insurance Company
More informationCounty of Santa Clara Physicians Faculty & Staff
LONG TERM DISABILITY INCOME PLAN UNDERWRITTEN BY: LIFE INSURANCE COMPANY OF NORTH AMERICA a CIGNA company CLASS 1 1/2004 County of Santa Clara Physicians Faculty & Staff FOREWORD Long Term Disability
More informationVoluntary Short-Term Disability Insurance
Voluntary Short-Term Disability Insurance 817763 a 06/12 Developed for the Employees of Marion County - Oregon Protecting Your Family Securing Your Future As long as you've got your health. If you're physically
More informationBerkshire Life Insurance Company of America 700 South Street Pittsfield, Massachusetts 01201 1-800-819-2468
Berkshire Life Insurance Company of America 700 South Street Pittsfield, Massachusetts 01201 1-800-819-2468 DISABILITY INCOME PROTECTION COVERAGE REQUIRED OUTLINE OF COVERAGE Policy Form 1500 1. READ YOUR
More informationVoluntary Long Term Disability Insurance
Voluntary Long Term Disability Insurance Answers to your questions about coverage from Standard Insurance Company Harvard University Voluntary Long Term Disability Chances are you already purchase home,
More informationVOLUNTARY SUPPLEMENTAL LONG TERM DISABILITY PLAN
VOLUNTARY SUPPLEMENTAL LONG TERM DISABILITY PLAN University of Illinois #92630 Effective October 1, 2014 The Prudential Insurance Company of America, Newark, NJ 10/2014 0209015-00002-00 1 DISABILITY INSURANCE
More informationDisability TABLE OF CONTENTS
Disability TABLE OF CONTENTS INCOME PROTECTION... 2 SICK LEAVE PLAN... 2 Eligibility... 2 Sick Leave Accumulation... 2 Sick Leave Benefits... 2 SHORT AND LONG TERM DISABILITY PLANS... 2 Eligibility...
More informationLong Term Disability Insurance FOR EMPLOYEES OF THE UNIVERSITY OF NEW MEXICO
Long Term Disability Insurance FOR EMPLOYEES OF THE UNIVERSITY OF NEW MEXICO Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY About This Booklet This
More informationVoluntary Long-Term Disability
Voluntary Long-Term Disability... ultimate flexibility This product is marketed by Assurant Employee Benefits and underwritten by Union Security Insurance Company. From traditional disability insurance
More informationVoluntary Long Term Disability Insurance
Voluntary Long Term Disability Insurance FOR THE STATE OF CALIFORNIA EXCLUDED EMPLOYEES Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY About This Booklet
More informationSTATE OF MICHIGAN LONG TERM DISABILITY INCOME PROTECTION PLAN October 1, 2007
STATE OF MICHIGAN LONG TERM DISABILITY INCOME PROTECTION PLAN October 1, 2007 This document is the State of Michigan self-funded Long Term Disability Income Protection Plan (LTD Plan). The LTD Plan is
More informationPolicyholder: Lenoir-Rhyne University Long-Term Disability (LTD) Coverage. Effective Date: 1/1/2014. Your Benefits at a Glance
Policyholder: Lenoir-Rhyne University Long-Term Disability (LTD) Coverage Effective Date: 1/1/2014 This is a summary of your long-term disability coverage from Principal Life Insurance Company. Long-term
More informationLAMAR MEDIA CORP. Plan Summary
LAMAR MEDIA CORP. Plan Summary Long Term Disability All Active Full Time and Part Time 3, Non-Officers in the U.S., Non-Union and Union Employees (Option 2) All coverages are issued by the Prudential Insurance
More informationEMPLOYEE LIFE INSURANCE
EMPLOYEE LIFE INSURANCE Life Benefit The Insurer will pay the amount of life insurance in force on the employee at the date of death provided that the Insurer receives due proof that the employee died
More informationInsurance & Benefits Trust of PORAC
Insurance & Benefits Trust of PORAC How Benefits are Funded Percentage of Wages Protected Catastrophic Disability Benefit Maximum Monthly Benefit Maximum Benefit Period Fully self-funded and administered
More informationlong-term www.buymbp.com (518) 785-1900, ext. 243, or (800) 342-4306, ext. 243
long-term disability insurance www.buymbp.com (518) 785-1900, ext. 243, or (800) 342-4306, ext. 243 Long-Term Disability Insurance a serious illness or injury can turn your life upside down for months
More informationSTUDENT LIFE & DISABILITY INSURANCE
STUDENT LIFE & DISABILITY INSURANCE Available Exclusively to SAVMA Members Underwritten by New York Life Insurance Company LIFE & DISABILITY IMPORTANT INSURANCE PROTECTION WHILE YOU RE IN SCHOOL FOR LESS
More informationAccumulation Period A period of months that begins on the first day of disability and during which the Elimination period must be satisfied.
Accumulation of Days of Disability In better disability policies, the Elimination Period days do not need to be consecutive. They may be accumulated, assuming each period of disability is not separated
More informationWhat would their lives be like without you?
What would their lives be like without you? Will they be able to keep your home? When someone dies, family income may be significantly reduced. Keeping up with expenses may be a challenge. How will your
More informationINFORMATION ABOUT YOUR DISABILITY INSURANCE PLAN WITH LAFOURCHE PARISH SCHOOL BOARD
INFORMATION ABOUT YOUR DISABILITY INSURANCE PLAN WITH LAFOURCHE PARISH SCHOOL BOARD Disability Insurance Benefits are designed to help you replace a portion of your income if you are disabled. Disability
More informationLifestyle Protection Plan for Executives
Chris is 36 years old and earns $90,000 per year. He is about to suffer a massive heart attack that will put him out of work permanently...... and cost him over $4 million. Lifestyle Protection Plan for
More informationVoluntary Long Term Disability Insurance FOR GOVERNMENT OF THE DISTRICT OF COLUMBIA EMPLOYEES
Voluntary Long Term Disability Insurance FOR GOVERNMENT OF THE DISTRICT OF COLUMBIA EMPLOYEES Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY About This
More informationLong Term Disability (LTD)
Long Term Disability (LTD) TABLE OF CONTENTS (Click on any item below to go to that section) Overview LTD Coverage Benefit Payment of LTD Benefit Other Income Benefits Defining Disabled Recurrent disability
More informationLONG TERM DISABILITY. benefits for employees that benefit employers
LONG TERM DISABILITY benefits for employees that benefit employers Long Term Disability VOLUNTARY Although Americans lose millions of workdays each year to disabilities, too many of us think, It won t
More informationStandard Insurance Company Voluntary Short Term Disability Coverage Highlights Northeast Georgia Diagnostic Clinic, LLC
Voluntary Short Term Disability (STD) Insurance Short Term Disability insurance pays a weekly benefit in the event you cannot work because of a covered illness or injury. An STD benefit replaces a portion
More informationStaker Parson. Short Term Disability Income Protection Plan
Staker Parson Short Term Disability Income Protection Plan Effective Date: 01/01/2006 Contact Information Plan Administrator: Address and Telephone #: Claims Administrator: Address and Telephone #: Staker
More informationThe Standard Life Insurance Company of New York Voluntary Long Term Disability Coverage Highlights Teachers College, Columbia University
Voluntary Long Term Disability (LTD) Insurance Long Term Disability insurance is designed to pay a monthly benefit to you in the event you cannot work because of a covered illness or injury. This benefit
More informationShort-Term Disability
AMERICAN FIDELITY ASSURANCE COMPANY S Short-Term Disability Income Insurance Plan Designed Specifically For: Kansas Educators Plan Highlights s are paid directly to you, not to a doctor or your employer.
More informationIncome Protection Plan An Accident-Only Disability Income Insurance Plan. Income Protection Plus Plan
Income Protection Plan An Accident-Only Disability Income Insurance Plan Income Protection Plus Plan An Accident & Illness Disability Income Insurance Plan M IP_P B 110_110 HealthMarkets is the brand name
More informationLong Term Disability Insurance An employee s guide to enrolling for Disability Insurance
Long Term Disability Insurance An employee s guide to enrolling for Disability Insurance Protect your income from the impact of a disabling illness or injury 26.02.314.1 (9/04) Income protection gives
More informationShort Term Disability Insurance FOR EMPLOYEES OF THE UNIVERSITY OF NEW MEXICO
Short Term Disability Insurance FOR EMPLOYEES OF THE UNIVERSITY OF NEW MEXICO Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY About This Booklet This
More informationVoluntary Long Term Disability Insurance EMPLOYEES OF CITY OF NORFOLK
Voluntary Long Term Disability Insurance EMPLOYEES OF CITY OF NORFOLK Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY About This Booklet This booklet
More informationVoluntary Long Term Disability Insurance FOR EMPLOYEES OF KENT STATE UNIVERSITY
Voluntary Long Term Disability Insurance FOR EMPLOYEES OF KENT STATE UNIVERSITY Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY About This Booklet This
More informationHow will you be able to pay your student loans if you become sick or injured?
How will you be able to pay your student loans if you become sick or injured? Introducing... Medical ValueGuard Own-Occupation Disability Protection For Your Student Loans You have invested countless hours
More informationNorthwest Independent School District Policy # 628663
Educator Select Income Protection Plan Insurance Highlights Northwest Independent School District Policy # 628663 Please read carefully the following description of your Unum Educator Select Income Protection
More informationPresident and Trustees of Bates College. Your Group Long Term Disability Plan
President and Trustees of Bates College Your Group Long Term Disability Plan Policy No. 128121 011 Underwritten by Unum Life Insurance Company of America 4/1/2011 CERTIFICATE OF COVERAGE Unum Life Insurance
More informationGroup Long Term Disability Insurance
Group Long Term Disability Insurance For Active Members of New Mexico Public Schools Insurance Authority Answers To Your Questions About Coverage From Standard Insurance Company About This Booklet This
More informationLTD (Long Term Disability Plan)
1 LTD (Long Term Disability Plan) 2.1 Eligibility (a) (1) Regular full-time employees shall be covered by the Long Term Disability Plan upon completion of six months active employment with the Employer.
More informationLifestyle Protection Plan for Business Owners
Paul is 38 years old and nets $60,000 per year. He is about to fall, seriously injure his neck and put himself out of business......it will cost him over $2.4 million. Lifestyle Protection Plan for Business
More informationThe Hartford Guide to. Group Bill Payor Protection Insurance N S P E
The Hartford Guide to Group Bill Payor Protection Insurance N S P E Answers to Your Questions About NSPE Group Bill Payor Protection Insurance Why should I have this protection? Life Insurance vs. Disability
More informationDISABILITY PLAN. Table of Contents
July 2004 Table of Contents Overview...2 Summary of Disability Insurance Benefits...3 Glossary of Terms...4 Employees Eligible for Disability Insurance Coverage...9 Disability Coverage... 10 Effective
More informationLONG TERM DISABILITY INSURANCE PLAN
A benefit of your membership! INSURANCE SPECIALISTS, INC. LONG TERM DISABILITY INSURANCE PLAN Long Term Disability coverage endorsed by your association as a benefit of your membership. Help protect your
More informationIncome Protection Plan An Accident-Only Disability Income Insurance Plan
Income Protection Plan An Accident-Only Disability Income Insurance Plan Income Protection Plus Plan An Accident & Illness Disability Income Insurance Plan M IP_P IP B 110_110 HealthMarkets is the brand
More informationBENEFITS OF YOUR. Long-Term Disability Income Insurance
BENEFITS OF YOUR Long-Term Disability Income Insurance Disability Benefits PARTIAL DISABILITY BENEFIT If you return to work after a covered total disability that began before age 65, you may be entitled
More informationHow To Understand The Group Liability Insurance For Educators And Administrators
Voluntary Long Term Disability Insurance for Educators and Administrators SAN ANTONIO INDEPENDENT SCHOOL DISTRICT Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE
More informationIncome Protection. Disability Insurance. Pillar Series
Income Protection Disability Insurance Pillar Series Income Protection Protect your income in the event of disability Pillar Series disability insurance is affordable personal income protection designed
More informationFlorida State University. Your Group Long Term Disability Plan
Florida State University Your Group Long Term Disability Plan Policy No. 588461 011 Underwritten by Unum Life Insurance Company of America 9/11/2008 CERTIFICATE OF COVERAGE Unum Life Insurance Company
More informationShort Term Disability Income Protection Plan
Short Term Disability Income Protection Plan Effective Date: January 1, 2012 Contact Information Plan Administrator: Address and Telephone #: AOL Inc. 22000 AOL Way Dulles, VA 20166 703-265-1968 703-265-3981
More informationVoluntary Short Term Disability Insurance
Voluntary Short Term Disability Insurance F O R G O V E R N M E N T O F T H E D I S T R I C T O F C O L U M B I A E M P L O Y E E S Answers to your questions about coverage from Standard Insurance Company
More informationThe Ohio State University Disability Program Specific Plan Details
The Ohio State University Disability Program Specific Plan Details Program Provisions for: Long-Term Disability (LTD) Short-Term Disability (STD) Plan Year 204 (January December 3, 204) Office of Human
More informationSUMMARY OF BENEFITS. Amount One Times Annual Salary rounded to the next higher $1,000. Minimum Amount $10,000. Maximum Amount $100,000
Group Life Insurance SUMMARY OF BENEFITS Life and AD&D Sponsored by: University of Dallas Life Amount One Times Annual Salary rounded to the next higher $1,000 Minimum Amount $10,000 Maximum Amount $100,000
More informationHow To Get A Long Term Disability Insurance Plan From Syracuse University
T H E S T A N D A R D L I F E I N S U R A N C E C O M P A N Y O F N E W Y O R K Voluntary Group Long Term Disability Insurance FOR B E N E F I T S E L I G I B L E E M P L O Y E E S O F S Y R A C U S E
More informationSection. Long Term Disability (LTD) Insurance
Section D Long Term Disability (LTD) Insurance Section Page When Coverage Begins...D. 1 When Coverage Terminates...D. 1 What are the Benefits...D. 1 Duration of Benefits...D. 2 What is Total Disability...D.
More informationLIFE 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
More informationWhy Disability Insurance
Why Disability Insurance Most people insure their material possessions their homes and cars, for example. But many people don t insure what is probably their most valuable asset their ability to work and
More informationLong Term Disability Insurance
Group Voluntary For Employees of The California State University Standard Insurance Company About This Brochure This booklet is designed to answer some common questions about the group Voluntary Long Term
More informationlong term disability benefits for employees that benefit employers
long term disability benefits for employees that benefit employers Long Term Disability voluntary Although Americans lose millions of workdays each year to disabilities, too many of us think It won t happen
More informationYour 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
More information100/44/0/0 0/0/0/100 0/0/0/0 100/68/0/31 100/65/30/70 60/20/5/10. Universal Life Insurance
00/44/0/0 0/0/0/00 0/0/0/0 00/68/0/3 00/65/30/70 60/20/5/0 Universal Life Insurance You have a picture of the way you want your life to go. Now imagine if something happens that not only changes your picture,
More informationLong Term Disability Insurance
Benefits Description Page 1 of 6 Long Term Disability Insurance Definitions Disability Due to a sickness, pregnancy or accidental injury, the employee is receiving appropriate care and treatment from a
More informationIncome Insurance SHORT-TERM DISABILITY AMARILLO ISD. Short-Term Disability Income Plan
SHORT-TERM DISABILITY Income Insurance Underwritten by: American Fidelity Assurance Company AMARILLO ISD Short-Term Disability Income Plan Coverage Options Benefits Paid Directly to You Excellent Customer
More informationProduct Guide for AssurityBalance Business Overhead Expense Disability Income Protection
Product Guide for AssurityBalance Disability Income Protection 16105-02211 (11/15/05) For Agent use only. Product availability and features may vary by state. Product Guide for AssurityBalance Disability
More informationUniversity of Chicago Long-Term Disability Summary Plan Description
University of Chicago Long-Term Disability Summary Plan Description June 2007 University of Chicago Long-Term Disability Plan Page 1 Table of Contents Your LTD Benefits... 3 Participating in LTD... 3 Eligibility...
More informationLong-Term Disability. Income Insurance. Non-Clerical Education Support Personnel. Plan Designed Specifically For: Effective: 10-1-2012
Effective: 10-1-2012 American Fidelity Assurance Company s Long-Term Disability Income Insurance Plan Designed Specifically For: Non-Clerical Education Support Personnel Why Do You Need Disability Income
More informationDisability Insurance: A sound financial foundation includes income protection
Disability Insurance: A sound financial foundation includes income protection Introduction...1 An important financial safety net...2 Many are not eligible for Social Security or workers compensation benefits...3
More informationShort Term Disability Insurance Coverage paid by you
Short Term Disability Insurance Coverage paid by you Eligibility All active, full-time U.S. Employees, who are regularly working a minimum of 30 hours per week. Weekly Benefit 60% of your weekly earnings
More informationDISABILITY INSURANCE PROGRAM FREQUENTLY ASKED QUESTIONS
DISABILITY INSURANCE PROGRAM FREQUENTLY ASKED QUESTIONS (FAQs) SECTION 4 LONG TERM DISABILITY (LTD) PROGRAM Effective July 1, 2015 Disclaimer If there is any conflict in interpretation between the FAQ
More informationGROUP SHORT TERM DISABILITY INSURANCE PROGRAM State of Michigan - Department of State Police CERTIFICATE OF INSURANCE We certify that the Person whose name appears on the enrollment card attached to this
More informationJohn Carroll University. Your Group Long Term Disability Plan
John Carroll University Your Group Long Term Disability Plan Policy No. 581726 011 Underwritten by Unum Life Insurance Company of America 3/15/2011 CERTIFICATE OF COVERAGE Unum Life Insurance Company
More informationGroup Long Term Disability. Income Protection. For State IIA Association Members Effective July, 2001. with monthly benefits to $10,000
Group Long Term Disability Income Protection with monthly benefits to $10,000 Since 1964 KELSEY NATIONAL CORPORATION With Your State IIA Endorsed Group Long Term Disability Income Protection You Get These
More informationFayette County Public Schools Policy # 123013
Educator Select Income Protection Plan Insurance Highlights Fayette County Public Schools Policy # 123013 Please read carefully the following description of your Unum Educator Select Income Protection
More informationSAS Institute Inc. Your Group Long Term Disability Plan
SAS Institute Inc. Your Group Long Term Disability Plan Policy No. 99831 011 Underwritten by Unum Life Insurance Company of America 2/20/2013 SUBJECT: Group Long Term Disability CERTIFICATE OF COVERAGE
More informationSchool 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
More informationWHY WOULD I NEED IT? HOW MUCH DO I NEED?
WHY WOULD I NEED IT? HOW MUCH DO I NEED? Definitions Actively at Work means you or your Spouse are performing all the Essential Duties of Your Occupation for wage or profit on a full-time basis (at least
More informationBuy-up Long Term Disability Insurance
Buy-up Long Term Disability 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
More informationPioneer 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
More information