NORTHERN NEW ENGLAND BENEFIT TRUST LIFE INSURANCE ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE

Size: px
Start display at page:

Download "NORTHERN NEW ENGLAND BENEFIT TRUST LIFE INSURANCE ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE"

Transcription

1 NORTHERN NEW ENGLAND BENEFIT TRUST LIFE INSURANCE ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE

2 LIFE INSURANCE ACCIDENTAL DEATH AND DISMEMBERMENT INTRODUCTION Life Insurance and Accidental Death & Dismemberment (AD&D) benefits are part of the health and welfare benefits provided by Northern New England Benefit Trust (Trust) to you as a covered employee of Anheuser-Busch, LLC (Company). You and any of your covered dependents will be eligible to receive Life Insurance Benefits and you also will be eligible for AD&D benefits as long as you remain a covered Member with the Trust based on contributions made to the Trust by the Company. Life and AD&D benefits are insured. The Trust is the Contract Holder with the Group Insurer. This document is a summary of the Life and AD&D benefit program. You may request a copy of the Certificate which is the Group Insurance Contract between the Trust and the Group Insurer. Life Insurance Benefit BENEFIT SCHEDULE All Active Members... $100,000 Spouse... $ 50,000* Child... $ 10,000** Accidental Death and Dismemberment Benefit All Active Members... $100,000 * Benefit will be paid to a Domestic Partner who is covered under the health and welfare plans administered by the Trust. ** To be eligible for a benefit, a covered child must be between the ages of 7 days and 19 years or 23 years if the child is a full-time student carrying 12 or more credit hours per enrollment period (or the full-time equivalent).

3 HOW DOES LIFE INSURANCE WORK? Life insurance provides a benefit to you or your family members in the event of a death. Life insurance benefits for you as an active Member will be paid to the beneficiary you select. Beneficiaries must be listed on the Life Insurance Beneficiary Form, which is included in the enrollment package and available online. Life insurance benefits for your spouse, covered domestic partner or child will be paid automatically to you as the Member. You can request a copy of the beneficiary designation form at any time from the Trust. You can change your beneficiary by submitting the completed form to the Trust or by completing the form online. A change in beneficiary becomes effective on the date you sign the form. Beneficiary Fast Facts You may choose anyone to be the beneficiary for your life/accidental death benefit; however this person s name must be on file with the Trust in order to be valid. Keep your beneficiary designation up to date: To make any changes, contact the Trust. For a spouse, covered domestic partner or child, you as the Member is automatically the beneficiary. To File a Claim In the event of your death, your spouse, child(ren) or other beneficiary must provide an original copy of the death certificate to the Trust and apply for the life insurance benefit. In the event of the death of a covered dependent, you as the Member must provide an original copy of the death certificate to the Trust and apply for the life insurance benefit. WHAT DOES CONVERSION MEAN? If your eligibility for coverage under the Trust ends for any reason, you may convert your insurance to an individual life insurance policy through the Trust s Group Insurer. You will not be able, however, to get AD&D coverage on an individual policy nor will you be able to purchase term insurance from the Group Insurer. If you lose coverage under the Trust due to the group life plan ending; or group life coverage being dropped from the group plan you will have the right to convert your life insurance. Your spouse, covered domestic partner and children will also have that right if they were insured under the plan as well.

4 You will be able to convert to an individual policy that provides a benefit equal to the lesser of $10,000 or an amount equal to the amount of your terminated group policy less the amount of any new group life coverage you obtain, within thirty-one (31) days of your loss of coverage under The Trust. You will have thirty-one (31) days to apply for a converted policy and to pay the premium due following the date you lose coverage under the Trust. Provided however, that if you do not receive from the Trust notice of your right to convert to an individual policy within fifteen (15) days from the date your coverage under the Trust ends, you will have an additional fifteen (15) days, to apply and pay for individual coverage, calculated from the date you receive notice from the Trust of your right to convert. If you should die within the thirty-one (31) day conversion period, the amount of insurance you would have been allowed to convert will be paid to your beneficiary, even if you had not yet sent in your application. Premiums for a converted policy depend on your age and risk class. However, you will not be required to furnish any evidence of insurability to obtain your converted policy. OPTION TO ACCELERATE PAYMENT OF DEATH BENEFITS If you become terminally ill as defined below while covered by the Trust, you will have an option to accelerate payment of a portion of your death benefit. You may elect to receive not less than $5,000 but no more than $50,000 of your $100,000 death benefit. You will be considered terminally ill within the meaning of this option if your life expectancy is 12 months or less. If you elect this option, the Group Insurer will pay the proceeds you place under this option in one sum when it receives proof that you are terminally ill. If you do not want the proceeds in one sum, you may elect to have them paid in 12 equal monthly installments. The first monthly payment will be due when the Group Insurer receives proof that you are terminally ill. The other payments are due on the same day of each later month. To Whom Payable: The benefits under this provision are payable to you. Amount Due But Unpaid at Your Death: If you elect monthly installments and you die before all payments have been made, the Group Insurer will pay your Beneficiary or Beneficiaries determined under the Beneficiary Rules in one sum. That sum will be the total of the payments that remain. Conditions: Your right to be paid under this option is subject to these terms: (1) You must choose this option in writing in a form that satisfies the Group Insurer.

5 (2) You must furnish proof that satisfies the Group Insurer that your life expectancy is 12 months or less, including certification by a Doctor. (3) Your death benefit must not be assigned. (4) Terminal illness proceeds will be made available to you on a voluntary basis only. Therefore: in (a) If you are required by law to use this option to meet the claims of creditors, whether bankruptcy or otherwise, you are not eligible for this benefit. (b) If you are required by a government agency to use this option in order to apply for, get or keep a government benefit or entitlement, you are not eligible for this benefit. Effect on Insurance: This benefit is in lieu of the benefits that would have been paid on your death with respect to the terminal illness proceeds. When you elect this option, your $100,000 death benefit will be reduced by the amount paid to you under this option. Also, any amount you could otherwise have converted to an individual contract will be reduced by the terminal illness proceeds. EXTENDED DEATH BENEFIT AND WAIVER OF PREMIUMS DURING TOTAL AND PERMANENT DISABILITY If you become Totally and Permanently Disabled as defined below, your death benefit protection will be extended even though you are no longer covered by other benefits by the Trust if: (1) You become Totally and Permanently Disable while you are covered for other benefits by the Trust; (2) You are less than age 60 when your Total and Permanent Disability starts; and (3) Your Total and Permanent Disability has continued for at least 180 consecutive days. You are Totally and Permanently Disabled for purposes of these extended benefits when, due to sickness, injury or both: (a) (b) You are not able to perform the material and substantial duties of your job during the first 12 months of disability; and thereafter You are not able to perform the material and substantial duties of any gainful job for which you are suited by education, training or experience. To be eligible for the extended death benefit you must submit to the Group Insurer a written notice of claim for the extension and written proof of your Total and Permanent Disability within 36 months from the date your disability begins. If adequate proof of disability is provided, the Group Insurer will extend your death benefit protection for successive one year periods. The first of these periods will start on the date the

6 Group Insurer receives this proof. After that first period, you must give written proof when and as required by the Group Insurer once each year that your disability continues. If you die while your death benefit protection is being extended, the Extended Death Benefit is payable when the Group Insurer receives written proof that: (1) Your Total and Permanent Disability continued until your death; and (2) All of the above conditions have been met. If you die within one year after your Total and Permanent Disability started and before you give the Group Insurer proof of Total and Permanent Disability, written notice of your death must be given to the Group Insurer within one year after your death. Your Extended Death Benefit will be payable to your Beneficiary if: (1) Your Total and Permanent Disability had not lasted at least 180 consecutive days; or (2) The required proof had not yet been received by the Group Insurer. Your extension protection ends if and when: (1) Your Total and Permanent Disability ends; or (2) You reach age 65; or (3) You start to work at any gainful job; or (4) You do not give the Group Insurer any written proof that your Total and Permanent Disability continues within 31 days of the request sent by the Group Insurer to your last address shown on the Group Insurer s records; or (5) You fail to submit to a medical exam by Doctors named by the Group Insurer within 31 days of the request sent by the Group Insurer to your last address shown on the Group Insurer s records. After two full years of this protection, the Group Insurer will not require an exam or proof more than once a year. If your extension protection ends after you have given the first proof of continued Total and Permanent Disability, you will be eligible to convert to an individual life insurance policy as described above as if your employment had then ceased. But this does not apply if you become eligible for life insurance under any group policy within 31 days after this protection ends. WHAT IS ACCIDENTAL DEATH & DISMEMBERMENT COVERAGE? Accidental Death & Dismemberment (AD&D) coverage is available only for you as the active Member. AD&D provides a benefit to your beneficiary in addition to your life insurance benefit in the event of your accidental death. AD&D coverage also provides benefits for the loss of:

7 1. Accidental Loss of Life: 100% of your coverage amount (200% of your coverage amount, if the accident causing death occurs while riding in or on or getting into or out of a common carrier operated under license for transportation of passengers for hire) 2. Accidental Loss of Speech and Hearing: 100% of your coverage amount 3. Accidental Loss of Speech and one hand, foot or Sight of One Eye: 100% of your coverage amount 4. Accidental Loss of Hearing and one hand, foot or Sight of One Eye: 100% of your coverage amount 5. Accidental Loss of both hands or both feet: 100% of your coverage amount 6. Accidental Loss of Sight of Both Eyes: 100% of your coverage amount 7. Accidental Loss of One Hand and One Foot: 100% of your coverage amount 8. Accidental Loss of One Hand and Sight of One Eye: 100% of your coverage amount 9. Accidental Loss of One Foot and Sight of One Eye: 100% of your coverage amount 10. Accidental Loss of One Hand or One Foot: 50% of your coverage amount 11. Accidental Loss of Sight in One Eye: 50% of your coverage amount 12. Accidental Loss of Speech or Hearing: 50% of your coverage amount 13. Accidental Loss of Thumb and Index Finger of same hand: 25% of your coverage amount 14. Accidental Loss of Use of Both Arms and Both Legs: 100% of your coverage amount 15. Accidental Loss of Use of Both Arms or Both Legs: 75% of your coverage amount 16. Accidental Loss of Use of One Arm and One Leg: 75% of your coverage amount 17. Accidental Loss of Use of One Arm or One Leg: 50% of your coverage amount 18. Accidental Loss of Use of Both Hands or Both Feet: 50% of your coverage amount 19. Accidental Loss of Use of One Hand and One Foot: 50% of your coverage amount 20. Accidental Loss of Use of One Hand or One Foot: 25% of your coverage amount Benefit will not be paid if death/injury is caused: 1. by willful self-injury, suicide or attempted suicide 2. by sickness, disease, mental infirmity, medical or surgical treatment 3. while taking part in a riot or other civil disorder, or in the commission of or an attempt to commit a felony

8 4. by travel on any type of aircraft if you are an instructor or crew member or have any duties at all on the aircraft 5. by war or act of war 6. while you are in the military (includes serving on active Reserve and Guard duty) 7. while you are a driver in a motor vehicle accident, if you do not hold a current and valid driver s license 8. by legal intoxication; this includes, but is not limited to, your operation of a motor vehicle 9. by voluntary use of a controlled substance, unless: (a) it was prescribed for you by a doctor; and (b) it was used as prescribed In no event will your benefit payment be more than the total of all the losses you suffer in any one accident.

NORTHERN NEW ENGLAND BENEFIT TRUST LIFE INSURANCE ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE LF6 PLAN UNION PERSONNEL

NORTHERN NEW ENGLAND BENEFIT TRUST LIFE INSURANCE ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE LF6 PLAN UNION PERSONNEL NORTHERN NEW ENGLAND BENEFIT TRUST LIFE INSURANCE ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE LF6 PLAN UNION PERSONNEL LIFE INSURANCE ACCIDENTAL DEATH AND DISMEMBERMENT Life Insurance Benefit LF6 All Active

More information

Bandera ISD Basic Life / AD&D Plan

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

More information

12505-645820-BROKERED

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

More information

State of Louisiana. Employee Term Life Coverage Accidental Death and Dismemberment Coverage Dependents Term Life Coverage

State of Louisiana. Employee Term Life Coverage Accidental Death and Dismemberment Coverage Dependents Term Life Coverage State of Louisiana Employee Term Life Coverage Accidental Death and Dismemberment Coverage Dependents Term Life Coverage Foreword We are pleased to present you with this Booklet. It describes the Program

More information

Additional Life Insurance with AD&D Coverage Highlights The Salvation Army

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

More information

Life Insurance & Voluntary AD&D Insurance

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

More information

Additional Life Coverage Highlights Johnson County Community College

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

More information

Voluntary Term Life and AD&D Insurance

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

More information

Summary Plan Description

Summary Plan Description 1199SEIU National Benefit Fund for Home Care Employees Summary Plan Description of Your Health and Welfare Benefits SECTION IV LIFE INSURANCE BENEFIT Home Care members were not eligible for a Life Insurance

More information

Supplemental Term Life/AD&D 10 499 Covered Lives

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

More information

GROUP TERM LIFE INSURANCE Group Term Life Benefits Provided by Colonial

GROUP TERM LIFE INSURANCE Group Term Life Benefits Provided by Colonial GROUP TERM LIFE INSURANCE Group Term Life Benefits Provided by Colonial Northampton County Schools 57 58 Northampton County Schools Summary of Voluntary Group Term Life Benefits For Northampton County

More information

THE STANDARD LIFE AND AD&D INSURANCE

THE STANDARD LIFE AND AD&D INSURANCE THE STANDARD LIFE AND AD&D INSURANCE Standard Insurance Company provides Life, Accidental Death and Dismemberment (AD&D) for eligible Bloomfield School District (BSD) employees and dependents Basic Term

More information

Voluntary Life Insurance Coverage paid by you

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

More information

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 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...

More information

PERSONAL ACCIDENT INSURANCE

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

More information

Voluntary Term Life Benefit Summary

Voluntary Term Life Benefit Summary Policyholder: Linfield College Voluntary Term Life Benefit Summary Effective Date: 04/01/2015 This chart provides you a brief summary of the key benefits of the life coverage available from Principal Life

More information

Voluntary Term Life, Voluntary Personal Accident Insurance Overview

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

More information

Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA

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

More information

YOUR GROUP LIFE INSURANCE PLAN

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

More information

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 & 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

More information

YOUR GROUP SUPPLEMENTAL LIFE INSURANCE PLAN

YOUR GROUP SUPPLEMENTAL LIFE INSURANCE PLAN 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

More information

Supplemental Life and AD&D Insurance Benefit Highlights

Supplemental Life and AD&D Insurance Benefit Highlights Supplemental Life and AD&D Insurance Benefit Highlights Benefit Highlights Southern Orthopedic Associates What is supplemental life and AD&D insurance? Am I eligible? When can I enroll? When is it effective?

More information

YOUR GROUP LIFE INSURANCE PLAN

YOUR GROUP LIFE INSURANCE PLAN YOUR GROUP LIFE INSURANCE PLAN For Participants in the Full Retirement Plan of St. Norbert College 6CC000 B-11196 9-07 CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE

More information

YOUR GROUP LIFE INSURANCE PLAN

YOUR GROUP LIFE INSURANCE PLAN YOUR GROUP LIFE INSURANCE PLAN For Employees of Five Colleges 6CC000 B-13192 05-12 CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE OF BENEFITS...........................................

More information

Life and AD&D Coverage Options

Life and AD&D Coverage Options 43 Life and AD&D Coverage Options Life Insurance Options Life insurance pays benefits if you die or if a dependent dies while covered by the plan. Adequate life insurance can provide important financial

More information

VOLUNTARY ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE

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

More information

Employee Term Life Coverage Basic and Optional Plans Accidental Death and Dismemberment Coverage

Employee Term Life Coverage Basic and Optional Plans Accidental Death and Dismemberment Coverage Employee Term Life Coverage Basic and Optional Plans Accidental Death and Dismemberment Coverage Disclosure Notice FOR ARKANSAS RESIDENTS Prudential s Customer Service Office: The Prudential Insurance

More information

Participation Requirement: To implement the program, the greater of 20% or five employees must elect coverage.

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

More information

Voluntary Term Life Insurance Overview

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

More information

YOUR GROUP LIFE INSURANCE PLAN

YOUR GROUP LIFE INSURANCE PLAN YOUR GROUP LIFE INSURANCE PLAN For Employees of University System of New Hampshire 6CC000 Class I B-12270 11-12 E-Book CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE

More information

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. 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

More information

Monthly Cost for Voluntary Accidental Death & Dismemberment (AD&D) Insurance:

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

More information

YOUR GROUP LIFE INSURANCE PLAN

YOUR GROUP LIFE INSURANCE PLAN YOUR GROUP LIFE INSURANCE PLAN AUTOMOTIVE INDUSTRIES WELFARE FUND SUPPLEMENTAL LIFE INSURANCE $10,000 BENEFIT CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE OF BENEFITS...........................................

More information

VII. Life & Accident Insurance Programs Table of Contents

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

More information

Age-band. Age-band Spouse. Uni-tobacco Uni-tobacco Uni-tobacco Uni-tobacco Uni-tobacco

Age-band. Age-band Spouse. Uni-tobacco Uni-tobacco Uni-tobacco Uni-tobacco Uni-tobacco LAKEVILLE ISD 194: Group Term Life with Waiver of Premium and AD&D for, Spouse and Dependent Children $10,000 $25,000 $50,000 $100,000 $200,000 0-24 25-29 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65-69

More information

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. 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,

More information

Group Basic Life and AD&D Insurance

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?

More information

The Standard Life Insurance Company of New York Additional Life and AD&D Coverage Highlights Teachers College, Columbia University

The Standard Life Insurance Company of New York Additional Life and AD&D Coverage Highlights Teachers College, Columbia University 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

More information

Community College System of New Hampshire Basic Life, Additional Life, Spouse and Child Life, and Accidental Death & Dismemberment

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

More information

Saudi Arabian Oil Company (Saudi Aramco)

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...

More information

YOUR GROUP LIFE INSURANCE PLAN

YOUR GROUP LIFE INSURANCE PLAN YOUR GROUP LIFE INSURANCE PLAN LOGO For Active Employees of Independent School District #15 6CC000 B-8575 8-06 E-Book CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE

More information

YOUR GROUP LIFE INSURANCE PLAN

YOUR GROUP LIFE INSURANCE PLAN YOUR GROUP LIFE INSURANCE PLAN 6CC000 B-14307 12-13 (E-Book) CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE OF BENEFITS........................................... 2

More information

Optional Accidental Death And Dismemberment Insurance

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

More information

Pay Admin, LLC dba A-1 Contract Staffing

Pay Admin, LLC dba A-1 Contract Staffing Pay Admin, LLC dba A-1 Contract Staffing Employee Term Life Coverage Basic and Optional Plans Dependents Term Life Coverage Accidental Death and Dismemberment Coverage THE PRUDENTIAL INSURANCE COMPANY

More information

Group Life and AD&D Plan

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

More information

Greetings! This Benefits Guide has been designed to introduce you to the Guardian benefits plan provided by your employer.

Greetings! This Benefits Guide has been designed to introduce you to the Guardian benefits plan provided by your employer. Greetings! This Benefits Guide has been designed to introduce you to the Guardian benefits plan provided by your employer. W E L C O On the last page you will find some important contact information. We

More information

YOUR GROUP LIFE INSURANCE PLAN

YOUR GROUP LIFE INSURANCE PLAN YOUR GROUP LIFE INSURANCE PLAN 6CC000 B-7882 10-13 (E-Book) CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE OF BENEFITS........................................... 2

More information

For more information, please refer to the Product Features and Services section at the end of this booklet.

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

More information

All Rates listed are Monthly per $1,000 of coverage. Age-band Employee Spouse

All Rates listed are Monthly per $1,000 of coverage. Age-band Employee Spouse Tracking ID: 09221437 Proposal Prepared for: New Albany Floyd County Schools Prepared by: Quinn Pearl Number of employees: 2,253 City, State: New Albany, IN Date Prepared: 9/22/2014 Plan Selected: Group

More information

Standard Insurance Company Additional Life and AD&D Coverage Highlights City of Tacoma

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

More information

Life and Accident 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

More information

Group Basic Life Insurance

Group Basic Life Insurance Group Basic Life Insurance For employees participating in OEBB plans Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY About This Brochure This brochure

More information

Other Coverage Features

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

More information

Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA

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

More information

Group Life And AD&D Insurance Coverage

Group Life And AD&D Insurance Coverage Group Life And AD&D Insurance Coverage The California State University Standard Insurance Company Group Life Insurance The following is a brief description of some of the coverage highlights for The California

More information

NCPERS Family Protection Plus

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

More information

YOUR GROUP LIFE AND ACCIDENTAL DEATH AND DISMEMBERMENT BENEFITS

YOUR GROUP LIFE AND ACCIDENTAL DEATH AND DISMEMBERMENT BENEFITS YOUR GROUP LIFE AND ACCIDENTAL DEATH AND DISMEMBERMENT BENEFITS Tooele City Corporation All Eligible Full-Time Regular Active Employees IMPORTANT INFORMATION THIS IS A NONPARTICIPATING POLICY PLEASE READ

More information

YOUR GROUP LIFE INSURANCE PLAN

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...........................................

More information

Group Life and AD&D Plan

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

More information

Group Voluntary Term Life Coverage Effective Date: 3/1/2014

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

More information

YOUR GROUP LIFE INSURANCE PLAN

YOUR GROUP LIFE INSURANCE PLAN YOUR GROUP LIFE INSURANCE PLAN For Employees of Warehouse Employees Union Local No. 730 Health & Welfare Trust Fund ReliaStar Life Insurance Company P.O. Box 20 Minneapolis, MN 55440-0020 B-13577 B-13577

More information

Group Basic Life Insurance

Group Basic Life Insurance Group Basic Life Insurance For Employees Participating In OEBB Plans Standard Insurance Company Group Basic Life Insurance About This Brochure This brochure and the accompanying Oregon Educators Benefit

More information

McAllen Independent School District Policy # 219632

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

More information

YOUR GROUP LIFE INSURANCE PLAN

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...........................................

More information

GROUP LIFE INSURANCE PROGRAM Group Life Insurance offers future protection for the people who depend on you for financial support today.

GROUP LIFE INSURANCE PROGRAM Group Life Insurance offers future protection for the people who depend on you for financial support today. GROUP LIFE INSURANCE PROGRAM Group Life Insurance offers future protection for the people who depend on you for financial support today. If you are a regular, full-time employee, the Getty Life Insurance

More information

Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA

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

More information

Group Voluntary Accidental Death and Dismemberment Insurance

Group Voluntary Accidental Death and Dismemberment Insurance California Association of Professional Scientists Group Voluntary Accidental Death and Dismemberment Insurance California Association of Professional Scientists S T A N D A R D I N S U R A N C E C O M

More information

GROUP BENEFIT PROGRAM HIGHLIGHTS

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.

More information

THE ALUMNI INSURANCE PLAN

THE ALUMNI INSURANCE PLAN SPONSOR AND PRESENT THE ALUMNI INSURANCE PLAN GROUP INSURANCE UNDER YOUR PERSONAL CONTROL OPTIONAL ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE AVAILABLE DEVELOPED and ADMINISTERED by UNDERWRITTEN BY 1

More information

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 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

More information

Wasco County Sheriff Benefits as of January 1, 2008 Policy No. OR 054498 All Employees, except for Safety Officers

Wasco County Sheriff Benefits as of January 1, 2008 Policy No. OR 054498 All Employees, except for Safety Officers All Employees, except for Safety Officers Life and Accidental Death & Dismemberment (AD&D) Basic Life Insurance All employees except for Safety Officers $5,000 Basic AD&D Insurance All employees except

More information

LIFE & ACCIDENT INSURANCE CERTIFICATE BOOKLET

LIFE & ACCIDENT INSURANCE CERTIFICATE BOOKLET LIFE & ACCIDENT INSURANCE CERTIFICATE BOOKLET GROUP INSURANCE FOR MONROE CO COMMUNITY COLLEGE SCHOOL NUMBER 704 TEACHERS The benefits for which you are insured are set forth in the pages of this booklet.

More information

MENNONITE CHURCH USA NAB 7901

MENNONITE CHURCH USA NAB 7901 BCS Life Insurance Company Oakbrook Terrace, Illinois MENNONITE CHURCH USA NAB 7901 CERTIFICATE OF INSURANCE GROUP TERM LIFE This Certificate of Insurance is evidence of the Insured s insurance under the

More information

Life Insurance TABLE OF CONTENTS. Introduction... 3 Basic Life Insurance... 3 Amount of Coverage... 3. Eligibility... 8 Beneficiary... 8 Coverage...

Life Insurance TABLE OF CONTENTS. Introduction... 3 Basic Life Insurance... 3 Amount of Coverage... 3. Eligibility... 8 Beneficiary... 8 Coverage... Life Insurance TABLE OF CONTENTS Introduction... 3 Basic Life Insurance... 3 Amount of Coverage... 3 Eligibility... 3 Beneficiary... 4 Coverage... 4 Benefits... 4 Conversion Privilege... 4 Claims... 5

More information

YOUR GROUP AD&D INSURANCE PLAN

YOUR GROUP AD&D INSURANCE PLAN YOUR GROUP AD&D INSURANCE PLAN Policy Issued To: California State Firefighters' Employee Welfare Benefits Corporation Base AD&D Acct 1 6CC000 B-13082 4-14 CONTENTS OUTLINE OF COVERAGE...........................................

More information

YOUR GROUP LIFE INSURANCE PLAN

YOUR GROUP LIFE INSURANCE PLAN YOUR GROUP LIFE INSURANCE PLAN For Employees of State of South Dakota All Eligible Employees 6CC000 B-14517 (03-15) CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE OF

More information

YOUR GROUP LIFE INSURANCE PLAN

YOUR GROUP LIFE INSURANCE PLAN YOUR GROUP LIFE INSURANCE PLAN For Employees of Riverside Unified School District Class 2: Board of Education Members, Deputy and Assistant Superintendents 6CC000 SCSEBA Accounts 30 & 31 B-13891 12-12

More information

Basic & Voluntary Term Life, Basic & Voluntary Personal Accident Insurance Overview

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

More information

HCC Life Insurance Company (A stock insurance company) CERTIFICATE OF INSURANCE

HCC Life Insurance Company (A stock insurance company) CERTIFICATE OF INSURANCE Group Term Life Insurance HCC Life Insurance Company (A stock insurance company) CERTIFICATE OF INSURANCE Policyholder: SAMPLE CONTRACT Policy Number: 1234 Policy Effective Date: XX/XX/XXXX Policy Anniversary

More information

Earning for Today and Saving for Tomorrow. Basic Life Insurance Plan. inspiring possibilities

Earning for Today and Saving for Tomorrow. Basic Life Insurance Plan. inspiring possibilities Earning for Today and Saving for Tomorrow Basic Life Insurance Plan inspiring possibilities In This Summary Certification Page...3 Schedule of Benefits...4 Life Insurance, Accidental Death and Dismemberment

More information

YOUR GROUP LIFE INSURANCE PLAN

YOUR GROUP LIFE INSURANCE PLAN YOUR GROUP LIFE INSURANCE PLAN For Employees of Baldwin County Commission 6CC000 B-13072 (8-11) CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE OF BENEFITS...........................................

More information

AAD Group Accidental Death & Dismemberment Insurance Plan. Frequently Asked Questions

AAD Group Accidental Death & Dismemberment Insurance Plan. Frequently Asked Questions Frequently Asked Questions 1. Who is eligible? All AAD members in good standing who are under age 65 are eligible to enroll for this plan. If the Family Plan is selected, you may also enroll your lawful

More information

Accidental Death & Dismemberment Conversion Package

Accidental Death & Dismemberment Conversion Package Accidental Death & Dismemberment Conversion Package Accidental Death & Dismemberment Conversion Package Converting your Accidental Death & Dismemberment Coverage from the Group Policy to an Individual

More information

Term Life Insurance and AD&D Coverage Highlights

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

More information

Group Additional Life Insurance

Group Additional Life Insurance Group Additional Life Insurance F O R E M P L O Y E E S O F M O N T A N A U N I V E R S I T Y S Y S T E M Answers to your questions about coverage from Standard Insurance Company S T A N D A R D I N S

More information

New York Medical College Policy and Procedure Manual

New York Medical College Policy and Procedure Manual Section: HUMAN RESOURCES Date: May 23, 2008 Subject: LIFE INSURANCE Page 1 of 9 I. Purpose New York Medical College Policy and Procedure Manual Supercedes: 7/20/93 To establish an employee benefit plan

More information

C.B. Fleet Company, Inc. Employees Grade Level 10 and above, excluding any Participants in the Executive Thrift Plan

C.B. Fleet Company, Inc. Employees Grade Level 10 and above, excluding any Participants in the Executive Thrift Plan C.B. Fleet Company, Inc. Employees Grade Level 10 and above, excluding any Participants in the Executive Thrift Plan Employee Term Life Coverage Basic and Optional Plans Accidental Death and Dismemberment

More information

GROUP INSURANCE CERTIFICATE IMPORTANT: PLEASE READ THIS

GROUP INSURANCE CERTIFICATE IMPORTANT: PLEASE READ THIS GROUP INSURANCE CERTIFICATE STANDARD INSURANCE COMPANY certifies that you will be insured under the Group Policy described below during the time, in the manner, and for the amounts provided in the Group

More information

YOUR GROUP PERSONAL ACCIDENT INSURANCE PLAN

YOUR GROUP PERSONAL ACCIDENT INSURANCE PLAN YOUR GROUP PERSONAL ACCIDENT INSURANCE PLAN For Employees of Louisana Sheriffs Association 6CC000 B-15023 (09-14 DRAFT) CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE

More information

Saint Michael's College Policy # 563390

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

More information

YOUR GROUP LIFE INSURANCE PLAN

YOUR GROUP LIFE INSURANCE PLAN YOUR GROUP LIFE INSURANCE PLAN Account 2 6CC000 B-5172 7-13 (300) CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE OF BENEFITS...........................................

More information

Bradley University Policy # 133255

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

More information

Your Benefits Trust. basic life insurance. union benefits you can trust

Your Benefits Trust. basic life insurance. union benefits you can trust Your Benefits Trust basic life insurance union benefits you can trust Printed October 2004 table of contents INTRODUCTION About the Trust................. 3 About this booklet.............. 3 Answering

More information

City of Frisco Policy # 94716

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

More information

North East Independent School District Policy # 148281

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

More information

Pioneer Surgical Technology, Inc. Policy # 151666

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

More information

Maximum Postdoc $10,000 $10,000 $150,000 $500,000

Maximum Postdoc $10,000 $10,000 $150,000 $500,000 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

More information

Group Additional Life Insurance

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

More information

Group Additional Life Insurance

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

More information

Montana Chamber Choices Policy # 79372

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

More information