1 LONG TERM DISABILITY INSURANCE CERTIFICATE BOOKLET GROUP INSURANCE FOR CLINTON COMMUNTIY SCHOOLS SCHOOL NUMBER 411 ADMINISTRATION/TEACHER/SUPPORT STAFF
2 The benefits for which you are insured are set forth in the pages of this booklet. Consult these pages for a further description of the terms and conditions of this coverage. Application must be made and signed by the individual before any coverage can become effective. If your plan requires contributions from you, the coverage will not become effective unless you are making the required contributions.
3 Table of Contents GRAMM-LEACH BLILEY PRIVACY NOTICE FOR CIGNA POLICYHOLDERS... 1 COLLECTION AND USE OF INFORMATION... 1 DISCLOSURE OF INFORMATION... 1 PROTECTING YOUR INFORMATION... 2 ACCESS TO INFORMATION... 2 CORRECTION OF INFORMATION... 2 CONTACT INFORMATION... 2 SCHEDULE OF BENEFITS... 3 WHEN YOUR INSURANCE BEGINS... 5 BECOMING ELIGIBLE... 5 BECOMING INSURED... 5 LONG TERM DISABILITY BENEFITS... 6 LOSS OF TIME BENEFITS... 6 HOW MUCH... 6 INCOME FROM OTHER SOURCES... 6 MINIMUM MONTHLY BENEFIT... 6 SINGLE SUM PAYMENTS UNDER OTHER PLANS... 8 DEFINITION OF TOTAL DISABILITY... 8 DEFINITION OF QUALIFYING PERIOD... 8 WHEN DO BENEFITS BEGIN AND END... 8 SUCCESSIVE PERIODS OF DISABILITY... 8 WHEN INSURANCE TERMINATES... 9 NOT COVERED... 9 WAIVER OF HEALTH PLAN CONTRIBUTIONS DURING DISABILITY...10 MINIMUM MONTHLY BENEFIT...10 REHABILITATION BENEFITS...11 REHABILITATION SERVICES...11 BENEFIT DURING REHABILITATIVE EMPLOYMENT...11 LONG TERM DISABILITY INSURANCE...12 TIME LIMIT ON CERTAIN DEFENSES...12 NOTICE OF CLAIM...12 CLAIM FORMS...12 PROOFS OF LOSS...12 TIME OF PAYMENT OF CLAIMS...12 PHYSICAL EXAMINATION...12 LEGAL ACTIONS...13 GENERAL INFORMATION...14 HOW TO FILE A CLAIM...14 HOW TO APPEAL A CLAIM DENIAL...14 RIGHT OF RECOVERY...14
4 GRAMM-LEACH BLILEY PRIVACY NOTICE FOR CIGNA POLICYHOLDERS This notice applies to insurance products underwritten, or administered by, the subsidiaries of Cigna companies. If you are an Employer or Group Sponsor, please make this information available for review by your employees or participants as appropriate. Thank you for giving us the opportunity to serve you. In the normal course of providing insurance coverage, we collect nonpublic personal information (NPI) about our customers. We take our obligation to keep NPI secure and confidential seriously. This Notice explains why we collect NPI, what we do with it, and how we protect your privacy. If you are an Employer or group Plan Sponsor, please make this information available for review by your employees or Plan members as appropriate. For additional information about Cigna s Privacy Policies, or to review one or more of Cigna s HIPAA Notices of Privacy Practices for health care plans, please visit or contact us at the address listed below. COLLECTION AND USE OF INFORMATION We collect NPI about our customers to provide insurance products and services. We may collect NPI for several reasons, such as: in connection with underwriting an application for insurance investigating a claim for benefits, developing financial plans, and in connection with other activities relating to your insurance. This information will be used by authorized company personnel for these purposes, and it may be integrated into our databases for statistical and audit purposes. NPI we collect may include information such as name, address, telephone number, date of birth, occupation, financial and heath history. We may also receive NPI from your application and forms, medical providers, other insurers, employers, insurance support organizations and service providers. DISCLOSURE OF INFORMATION We do not sell customer lists or other protected information. We do not disclose NPI about our customers or former customers except with the customer s authorization or as otherwise permitted or required by law. As permitted by law, there are some circumstances when we may disclose NPI related to medical underwriting, claim investigation, or other activities relating to your insurance plan without an authorization to third parties or affiliates assisting us with these activities. These may include: administration of your benefit plan, to support and/or improve Cigna programs or services, such as our care management and wellness programs, or in the case of subpoenas and mandated governmental disclosures. Some examples of situations in which we may disclose NPI include: Medical health care professionals (if applicable); Insurers that provide reinsurance or excess (stop loss) insurance to an employer or with whom we are coordinating or subrogating benefits; Cigna affiliated companies; Regulatory agencies, such as state departments of insurance and accreditation organizations such as the National Committee for Quality Assurance; c 09/ Cigna 1
5 Courts or attorneys who serve us with a subpoena; Successor insurers or claim administrators who assume responsibility for administering your benefit plan; Companies that assist Cigna in recovering overpayments, paying claims or performing utilization review services; Other companies not affiliated with Cigna that provide services to us when disclosure is permitted, not prohibited, or is otherwise required by applicable law PROTECTING YOUR INFORMATION We have internal policies and safeguards to maintain the privacy and security of our customers NPI. These include, but are not limited to, policies related to the transmission, storage and disposal of paper and electronic information; the prevention of unauthorized access and damage to systems, including damage due to environmental hazards; and assigning and terminating user IDs. ACCESS TO INFORMATION You may request access to certain NPI we collect to provide you with insurance products and services. You must make your request in writing and send it to the address below. Your letter should include your full name, address, telephone number and policy number, if we have issued a policy. Upon your request, we will send copies of the NPI to you. If the NPI includes health information, we may provide the health information to you through a health care provider designated by you. We will also send you information related to disclosures of your NPI, if requested. We may charge you a reasonable fee to cover our copying costs. Please note, this section and the Correction section below apply to NPI we collect to provide you with coverage. They do not apply to NPI we collect in connection with, or in anticipation of, a claim or civil or criminal proceeding. CORRECTION OF INFORMATION If you believe NPI we have about you is incorrect, please write to us. Your letter should include your full name, address, telephone number and policy number, if we have issued a policy. Your letter should explain why you believe the NPI is inaccurate. If we agree with you, we will correct the NPI and notify you of the correction. If you request us to do so, we will also notify any person who may have received the incorrect NPI from us in the past two years. If we disagree with you, we will tell you that we are not going to make the correction and give you the reason(s) for our refusal. If you wish, you may submit a statement to us identifying the NPI you believe is incorrect and the reason(s) you disagree with our decision not to correct the NPI. We will file your statement with the disputed NPI. We will include your statement anytime we disclose the disputed NPI. If you request us to do so, we will also give the statement to any person to whom we have disclosed the disputed NPI in the past two years. We may change these policies, standards and procedures at any time. If there are material changes, we will notify you of the changes. CONTACT INFORMATION If you have questions about this Notice you can contact us at the following address: Privacy Office, Cigna, P.O. Box , Chattanooga, TN Securities are offered through Cigna Benefits Financing, Inc., Member FINRA, 900 Cottage Grove Rd., A4COL, Bloomfield, CT Cigna is a registered service mark, and the Tree of Life logo and GO YOU are service marks, of Cigna Intellectual Property, Inc., licensed for use by Cigna Corporation and its operating subsidiaries. All products and services are provided exclusively by such operating subsidiaries and not by Cigna Corporation. Such operating subsidiaries include Cigna Benefits Financing, Inc., Cigna Life Insurance Company of New York, Connecticut General Life Insurance Company (CGLIC), Cigna Health and Life Insurance Company (CHLIC), and HMO or service company subsidiaries of Cigna Health Corporation and Cigna Dental Health, Inc. In Arizona, HMO plans are offered by Cigna HealthCare of Arizona, Inc. In California, HMO and Network plans are offered by Cigna HealthCare of California, Inc. In Connecticut, HMO plans are offered by Cigna HealthCare of Connecticut, Inc. In North Carolina, HMO plans are offered by Cigna HealthCare of North Carolina, Inc. All other medical plans in these states are insured or administered by CGLIC or CHLIC c 09/ Cigna. 2
6 SCHEDULE OF BENEFITS To be attached to and made part of your Booklet For Members of CLINTON COMMUNITY SCHOOLS PLAN EFFECTIVE DATE: July 1, 2015 MEMBERS INCLUDED: ADMINISTRATION/TEACHER/SUPPORT STAFF DATE OF ELIGIBILITY: You will be eligible on the Plan Effective Date, the date of your employment, or the day following completion of the eligibility waiting period as determined by your Employer, whichever is later. LONG TERM DISABILITY Maximum Monthly Benefit: 66 2/3% of monthly earnings subject to a maximum benefit of $6,000. Qualifying Period - Benefits begin: (a) upon the exhaustion of accumulated sick days, or upon expiration of 90 calendar days of disability accumulated in any twelve (12) consecutive months, whichever is later, or, (b) upon expiration of three (3) consecutive days of disability occurring during a school year in which the Qualifying Period was previously satisfied. NOTE: The last three (3) sick days or days of disability under (a) above must be consecutive and due to the same or related cause. Regular Occupation Total Disability Period: 2 years Maximum Period of Payment: (a) for disability commencing prior to age 60 - up to age 65, (b) for disability commencing at or after age 60 and prior to age 66 - up to 5 years, (c) for disability commencing at or after age 66 - up to the following periods: Disabled at Age Duration of Benefits 66 4 years 67 3 years 68 2 years 69 or later 1 years 3
7 Social Security Benefits Integrated with Monthly Benefits: Primary Benefits Minimum Monthly Benefit: Five percent (5%) of your Maximum Monthly Benefit before reduction of Income From Other Sources or $50, whichever is greater (for disabilities commencing on or after July 1, 1986). Freeze on Offsets: Future monthly LTD benefits will not be reduced because of automatic, statutory or general cost of living increases in income amounts used as monthly benefit offsets. If any such income amounts are initially estimated, these amounts will be adjusted to reflect the final determination. Limited Benefits for Disability due to Mental Disease or Illness: Limited Benefits for Disability due to Alcoholism or Drug Abuse: Benefits for Disabilities due to Pregnancy: Rehabilitation Benefits: Same as any other illness Same as any other illness Included Included Waiver of MESSA Health Care Plan Contributions During Total Disability: up to 24 months for any one period of disability commencing on or after July 1, Monthly earnings shall mean one-twelfth (1/12) of your annual rate of compensation not including bonuses, commissions or any other special compensation A ADMINISTRATION/TEACHER/SUPPORT STAFF (a) (PC-1002) 4
8 WHEN YOUR INSURANCE BEGINS BECOMING ELIGIBLE You will be eligible for insurance as determined in accordance with the paragraph entitled Date of Eligibility in the Schedule of Benefits. BECOMING INSURED If you are not required to contribute toward the cost of your insurance, you will become insured on the day you become eligible. If you are required to pay any portion of the cost of your insurance, you will become insured on the latest of: (a) the day you become eligible, if you enroll for your insurance on or before the day you become eligible, (b) the day you enroll for your insurance, if you enroll on or before the thirty-first (31 st ) day following the day you become eligible, (c) the day your evidence of insurability (at your expense) is approved by the Insurance Company, if you enroll for your insurance more than thirty-one (31) days following the day you become eligible. You must be actively at work on the day that your insurance is to become effective. If you are absent from work because of bodily injury or sickness on that day, you will become insured on the day you return to active work. To be considered actively at work for insurance purposes, you must be physically able to perform your normal duties for a regularly scheduled workday at the time you report to work (PC-1002) 5
9 LONG TERM DISABILITY BENEFITS LOSS OF TIME BENEFITS If you become totally disabled by an accidental injury or sickness while insured and remain continuously so disabled beyond the Qualifying Period shown in the Schedule of Benefits, monthly benefits will be paid to you. However, if a total disability commences while you are on an approved leave of absence without pay, the Qualifying Period shall not begin to accumulate until the date you are scheduled to return to active school employment. HOW MUCH The Monthly Benefit while you are totally disabled shall be the Maximum Monthly Benefit shown in the Schedule of Benefits based on your monthly earnings at the time disability commences, less any benefits you are eligible to receive for that month as income from other sources as described below. INCOME FROM OTHER SOURCES Your Maximum Monthly Benefit will be reduced by the amount of the following other income benefits: (a) any earnings, including salary, wages, commissions or similar pay, you receive or are entitled to receive from work including earnings from your employer, any other employer or self-employment, (b) the amount of any disability or retirement benefits you receive from your employer s retirement or pension plan, including the Michigan Public School Employees Retirement Fund, (c) any amount you receive or are eligible to receive from Social Security or Railroad Retirement (integrated as shown in the Schedule of Benefits) by reason of your disability or retirement, (d) any amount you receive or are eligible to receive as a periodic benefit for disability under (i) any employer s, labor-management trustee, or union employee benefit plan, or (ii) any governmental (not military) agency or program or coverage required or provided by law; i.e., Workers Compensation. NOTE: Until you submit proof satisfactory to the Insurance Company that you are not entitled to the disability benefits provided above, the Insurance Company will assume that you are entitled to the maximum amount of such periodic benefit, including dependent benefits, applicable to the class of persons of which you are a member. MINIMUM MONTHLY BENEFIT Your Monthly Benefit will not, in any case, be less than five percent (5%) of your Maximum Monthly Benefit before reduction of Income From Other Sources or $50, whichever is greater. Example: $2, Monthly Earnings x 66 2/3 Monthly Benefit Percentage for this example 1, Maximum Monthly Benefit -1, Income From Other Sources Monthly Benefit after total offsets $66.70 The amount equal to 5% of your Maximum Monthly Benefit 6
10 The Minimum Monthly Benefit Provision will increase the $34.00 to the greater of $50.00 or 5% of the Maximum Monthly Benefit, or in this example, $ (PC-1002) 7
11 SINGLE SUM PAYMENTS UNDER OTHER PLANS If a single sum payment is made as a commutation of, or substitute for, any periodic benefits or payments referred to under Income From Other Sources, such payment shall be deemed to have been made in the amounts and for the period which would have been applicable in the absence of such single sum payment. DEFINITION OF TOTAL DISABILITY You will be considered totally disabled if you are wholly and continuously unable to perform any and every duty pertaining to your regular occupation during the Qualifying Period and the Regular Occupation Total Disability Period shown in the Schedule of Benefits. After benefits have been paid for the Regular Occupation Total Disability Period of any continuous disability you will be considered totally disabled for the balance of the period of disability if you are unable to engage in any occupation or perform work for compensation or profit for which you are, or may become, reasonably fitted by training, education or experience. You are not totally disabled during any period in which you are not under the regular care and attendance of a physician. DEFINITION OF QUALIFYING PERIOD The term Qualifying Period means the period of days of total disability, shown in the Schedule of Benefits, for which no Monthly Benefit is payable. WHEN DO BENEFITS BEGIN AND END Monthly Benefits will accrue from the first day after the Qualifying Period and will be payable while you continue to be so totally disabled, if due proof of the disability is given to the Insurance Company. However, benefits will not be payable beyond the Maximum Period of Payment shown in the Schedule of Benefits. SUCCESSIVE PERIODS OF DISABILITY Successive periods of disability beginning while you are insured will be treated as one period of disability unless they are: 1. due to different and unrelated causes and separated by return to active school employment for at least one day, or 2. due to the same or related causes and separated by more than six (6) months of continuous active school employment (PC-1002) 8
12 WHEN INSURANCE TERMINATES Your insurance terminates on the earliest of the following dates: 1. the date you leave school employment, 2. the date you are no longer a member of a class eligible for this insurance, or 3. the date the Group Policy terminates. In addition, your insurance terminates on the date you cease performing all the usual duties of your job, except that your coverage may be extended while: 1. you are unable to work because you are sick or injured, 2. you are on a leave of absence with pay, for a period not to exceed one year, or 3. you are on a leave of absence without pay, for a period not to exceed one year, provided there is a signed contract or other written agreement stating the date you will be returning to active work. In no event may any insurance provided on a contributory basis be continued beyond the end of the period for which the Member has made the premium contribution required. Any claim established prior to the date your insurance terminates will not be affected by such termination. No benefits are payable for disability due to: NOT COVERED 1. self-inflicted injuries if intentional or while insane, 2. war, 3. participation in, or in consequence of having participated in, the committing of a felony, or 4. cosmetic surgery unless (a) occasioned by accidental bodily injury sustained while insured or active illness contracted while insured, and (b) you have been continuously insured under this Group Long Term Disability program since such injury was sustained or such illness was contracted (PC-1002) 9
13 WAIVER OF HEALTH PLAN CONTRIBUTIONS DURING DISABILITY The monthly contributions for your MESSA health plan will be waived during any one period of disability under the following conditions: 1. The Waiver will begin when you become entitled to Monthly Benefits and will continue while you are totally disabled but not to exceed twenty-four (24) months. 2. The Waiver will apply to health plan contributions which become due while you are entitled to Monthly Benefits but not beyond the date that twenty-four (24) monthly contributions have been waived. 3. The Waiver will not apply during any part of this twenty-four (24) month period in which: (a) your Employer, because of your disability, is required by contract or other agreement to make monthly contributions for your MESSA health plan, or (b) you are eligible for benefits under the Michigan Public School Employees Retirement System. 4. Health plan does not include the Hospital Confinement Indemnity plan. NOTE: Until you submit proof satisfactory to the Insurance Company that you are not entitled to the disability benefits provided above, the Insurance Company will assume that you are entitled to the maximum amount of such periodic benefit, including dependent benefits, applicable to the class of persons of which you are a member. MINIMUM MONTHLY BENEFIT Your Monthly Benefit will not, in any case, be less than the Minimum Monthly Benefit as shown in the Schedule of Benefits (PC-1002) 10
14 REHABILITATION BENEFITS REHABILITATION SERVICES If you become disabled as a result of injury or sickness, the Insurance Company may, at its sole discretion, provide rehabilitation services. The decision to provide these services will be based on an objective review of the medical condition causing your disability, your potential to return to work and the types of services needed to improve your quality of life as a disabled person. The Insurance Company will pay benefits up to the reasonable and customary charges for rehabilitation services furnished under this provision. BENEFIT DURING REHABILITATIVE EMPLOYMENT If you have received Long Term Disability Benefits for any one period of disability and you accept Rehabilitative Employment, you will receive a Monthly Benefit for an additional twentyfour (24) months during such Rehabilitative Employment. Your Monthly Benefit will be the Monthly Benefit otherwise payable less fifty percent (50%) of the amount of your earnings from Rehabilitative Employment. Rehabilitative Employment means any occupation or employment for compensation or profit for which you are reasonably fitted by training, education or experience provided such Rehabilitative Employment is performed during a period in which you are unable to perform any and every duty pertaining to your regular occupation (PC-1002) 11
15 LONG TERM DISABILITY INSURANCE Long Term Disability insurance benefits are payable pursuant to the following provisions: TIME LIMIT ON CERTAIN DEFENSES No statement relating to insurability made by any Member eligible for coverage under the policy shall be used to deny a claim or in contesting the validity of the insurance with respect to which such statement was made after the insurance has been in force prior to the contest for a period of three (3) years during the lifetime of the person with respect to whom any such statement was made. NOTE: For the purpose of the following provisions, information submitted to MESSA shall be considered to have been furnished to the Insurance Company as herein specified. NOTICE OF CLAIM Written notice of claim must be given to the Insurance Company no later than thirty (30) days prior to the expiration of the Qualifying Period, or as soon thereafter as is reasonably possible. Notice given by or on behalf of you or the beneficiary to the Insurance Company at its Home Office or to any authorized agent of the insurance Company, with information sufficient to identify you, shall be deemed notice to the Insurance Company. CLAIM FORMS The Insurance Company, upon receipt of a written notice of claim, will furnish to the Member such forms as are usually furnished by it for filing proofs of loss. If such forms are not furnished within fifteen (15) days after the giving of such notice, the Member shall be deemed to have complied with the requirements of the policy as to proof of loss upon submitting, within the time fixed in the policy for filing proofs of loss, written proof covering the occurrence, the character and the extent of the loss for which claim is made. PROOFS OF LOSS Written proof of loss must be furnished to the Insurance Company within ninety days after the termination of the first due monthly period of benefits following the expiration of the Qualifying Period. Subsequent written proof of the continuance of such disability must be furnished to The Insurance Company at such intervals as it may reasonably require. The Insurance Company shall require as part of proof of loss satisfactory evidence (1) of the amount of all benefits and payments referred to in the insurance plan, and (2) that you have made application for such benefits and payments and have furnished all required proofs therefore. TIME OF PAYMENT OF CLAIMS Subject to the due written proof of loss, all accrued benefits for loss for which the policy provides periodic payment shall be paid to the Member monthly during the period for which benefits are payable thereunder, and any balance remaining unpaid at the termination of the period of liability will be paid immediately upon receipt of due written proof. PHYSICAL EXAMINATION The Insurance Company (at its own expense) shall have the right and opportunity to examine the person of any individual whose injury or sickness is the basis of claim when and as often as it may reasonably require during the pendency of a claim under the policy. 12
16 LEGAL ACTIONS No action at law or in equity shall be brought to recover on the policy prior to the expiration of sixty (60) days after written proof of loss has been furnished in accordance with the requirements of the policy. No such action shall be brought after the expiration of 3 years after the time written proof of loss is required to be furnished (PC-1002) 13
17 GENERAL INFORMATION HOW TO FILE A CLAIM You should notify the MESSA Benefits office 30 days prior to the end of your Qualifying Period that you wish to file a Long Term Disability claim. MESSA will immediately send you the necessary claim form and detailed claim filing instructions. HOW TO APPEAL A CLAIM DENIAL If you do not agree with a claim denial, you may request that a review be made of your claim. You should submit a written request for a review of your claim within 60 days after receiving notice of denial. Your request should be addressed to the attention of the MESSA Benefits office. You may submit additional information with your request for review. You may request and receive copies of pertinent documents, although in some cases authorization may be needed for the release of confidential information, such as medical records. You should submit the facts and any supporting comments in writing. A decision will be made by the Insurance Company within 60 days following MESSA s receipt of request for review or the date all information required of you is furnished, whichever date is later. Notification of the decision on review will be written in a manner calculated to be understood by you and will specify the reasons for the decision. RIGHT OF RECOVERY If an overpayment is made due to any reason, including but not limited to a payment under any Worker s Disability or Occupational Disease Act or Law, clerical error or misstatement of age, the Insurance Company shall have the right to recover such overpayment from the insured person, or to deduct such amount of overpayment from future benefits. If you incur expenses on account of bodily injury or sickness, caused by negligence or wrong of a third party and benefits are payable, under the Group Policy, you will receive the benefits, provided that, if there is recovery by you or a personal representative from the third party, or his or her personal representative whether by judgment settlement or otherwise, on account of such bodily injury or sickness, you shall reimburse the Insurance Company to the extent of the total amount of such benefits paid under the Group Policy, but not to an amount in excess of the proceeds of any such recovery after the deduction of reasonable and necessary expenditures, including attorney s fees, incurred in effecting such recovery (PC-1002) 14
18 LIFE INSURANCE COMPANY OF NORTH AMERICA 1601 CHESTNUT STREET PHILADELPHIA, PA Home Office: (800) TDD (800) A STOCK INSURANCE COMPANY THIS GROUP INSURANCE POLICY NO. LK IS ISSUED TO MICHIGAN EDUCATION SPECIAL SERVICES ASSOCIATION (THE POLICYHOLDER) The Company agrees to pay benefits with respect to each person insured for them under this Policy. The benefits for which each person is insured are set forth in the Booklet, as defined herein. These benefits will be paid in accord with the provisions set forth in the pages which follow and the provisions set forth in the Booklet. This Policy is issued in consideration of the payment of premiums as set forth herein. This Policy is issued in Michigan and shall be governed by its laws. It will take effect on the first day of July, The first Policy anniversary will be the first day of July, After that date, Policy anniversaries will be the first day of July, each year which follows. The provisions on the pages which follow and the provisions of the Booklet are a part of this Policy. This Policy is issued on the thirtieth day of September, Scott Kern, Corporate Secretary Matthew G. Manders, President GROUP INSURANCE POLICY NON-PARTICIPATING P-1002 COV 15
19 UNDERWRITTEN BY: LIFE INSURANCE COMPANY OF NORTH AMERICA a CIGNA company 03/2015
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Life Insurance Company of North America 1601 Chestnut Street Philadelphia, PA 19192 (215) 761-1000 NOTICE CONCERNING POLICYHOLDER RIGHTS IN AN INSOLVENCY UNDER THE MINNESOTA LIFE AND HEALTH INSURANCE GUARANTY
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Policyholder: BOB JONES UNIVERSITY Group Number: GA0845 Class: All Full Time Eligible Employees Voluntary Group Term Life Insurance This is your Certificate of Insurance. It describes the coverage selected
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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,
GROUP 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
Voluntary Term Life Insurance Employee Benefit Booklet CITY OF TUCSON GAZ80191-0001 Class 1-01 Products and services marketed under the Dearborn National brand and the star logo are underwritten and/or
For this plan year, the plan includes the following provisions, subject to change or discontinuation with or without notice at anytime. This Summary Plan Description presents an overview of your Benefits.
Short Term Disability Income Protection Plan Effective Date: January 1, 2011 Contact Information Plan Administrator: TIB - The Independent Bankers Bank Address and Telephone #: 350 Phelps Drive Irving,
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Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA Simpson College Your Group Long Term Disability Insurance Plan GROUP POLICY NUMBER - 64067 POLICY EFFECTIVE DATE - January 1,
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Page 1 of 5 CIBC Mortgage Disability Insurance and CIBC Mortgage Disability Insurance Plus Your Certificate Of Insurance CIBC Mortgage Disability Insurance ( Mortgage Disability Insurance ) and CIBC Mortgage
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Certificate of Insurance Creditor Insurance for CIBC Personal Lines of Credit 13002-2016/03 Page 1 of 9 Table of Contents Note: This is an important document. Please keep it in a safe place. Introduction...2
YES! You CAN take it with you You Are Now Eligible To Convert Your Current Long-Term Disability Insurance To Disability Conversion Insurance DCI Coverage For residents of New York State Group Insurance
COUNTY OF SANTA CLARA BASIC AND SUPPLEMENTAL LONG-TERM DISABILITY PLAN BENEFIT BOOKLET Revised Effective December 26, 2011 TABLE OF CONTENTS PAGE Long-Term Disability Plan Part One... 1-10 Article I Benefits
Chicago Public Schools Short Term Disability Plan Plan Effective Date: January 1, 2012 CPS Short-term Disability Plan rev. 02-25-2013 Page 1 TABLE OF CONTENTS PAGE Introduction...3 General Definitions...4
GROUP LIFE INSURANCE PROGRAM Troy University RELIANCE STANDARD LIFE INSURANCE COMPANY Home Office: Chicago, Illinois Administrative Office: Philadelphia, Pennsylvania CERTIFICATE OF INSURANCE We certify
GROUP SHORT TERM AND LONG TERM DISABILITY INSURANCE PROGRAM Santa Clara County Government Attorneys Association GROUP SHORT TERM DISABILITY INSURANCE RELIANCE STANDARD LIFE INSURANCE COMPANY Home Office:
Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA Willamette University Long Term Disability Insurance GROUP POLICY NUMBER - 29399-002 POLICY EFFECTIVE DATE - January 1, 2006
Certificate of Insurance Creditor Insurance for CIBC Mortgages Page 1 of 14 Table of Contents Note: This is an important document. Please keep it in a safe place. Introduction...2 Your rights and responsibilities...
STANDARD INSURANCE COMPANY A Stock Life Insurance Company 900 SW Fifth Avenue Portland, Oregon 97204-1282 (503) 321-7000 CERTIFICATE GROUP LIFE INSURANCE Policyholder: University of Arkansas Policy Number:
* COMPANION LIFE INSURANCE COMPANY 7909 PARKLANE ROAD, SUITE 200, COLUMBIA, SC 29223-5666 PO Box 100102, Columbia, SC 29202-3102 (803) 735-1251 (Herein called Companion Life) Certifies that it has issued
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
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GROUP LIFE INSURANCE PROGRAM District School Board of Collier County, FL RELIANCE STANDARD LIFE INSURANCE COMPANY Home Office: Chicago, Illinois Administrative Office: Philadelphia, Pennsylvania CERTIFICATE
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BENEFIT PLAN Prepared Exclusively for Hampton City Schools What Your Plan Covers and How Benefits are Paid Long Term Disability Table of Contents Schedule of Benefits... Issued with Your Booklet Preface...1
Nova Scotia College of Art & Design Plan Document Number: G0080847 Group Policy Number: G0050232 Plan - All Employees Employee Name: Certificate Number: Welcome to Your Group Benefit Program Plan Document
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Home Office: Chicago, Illinois Administrative Office: Philadelphia, Pennsylvania INSURED: POLICY NUMBER: City of Durham (Herein called the Policyholder) SLM540087 EFFECTIVE DATE: September 1, 2015 STATE
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MENNONITE CHURCH USA GLT N7901 Certificate of Long Term Disability Insurance Kansas City Life Insurance Company certifies that in accordance with and subject to the terms of the Group Master Policy, the
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Life Insurance Company of North America 1601 Chestnut Street Philadelphia, PA 19192 (215) 761-1000 NOTICE CONCERNING POLICYHOLDER RIGHTS IN AN INSOLVENCY UNDER THE MINNESOTA LIFE AND HEALTH INSURANCE GUARANTY
St. Thomas University Group Policy Number: G0050234 Plan B: Support Staff Employee Name: Certificate Number: Welcome to Your Group Benefit Program Group Policy Effective Date: September 1, 2010 This Benefit
University of British Columbia (the University) CUPE Local 2278 English Language Instructors Contract Number 23218 Part G Effective January 1, 2008 Table of Contents Table of Contents General Information...1
GROUP DISABILITY INSURANCE WITH MEDICAL HISTORY STATEMENT GROUP DISABILITY INSURANCE (to WITH be used MEDICAL during non-open HISTORY enrollment STATEMENT periods) (to be used during non-open enrollment
Short Term Disability Insurance This subsection summarizes the group Short Term Disability Insurance plan available through PEBB. It is a summary only. For full details, see the Certificate of Insurance
! " #$%&' ( First, an important note from our lawyers. This booklet is intended only as a guide and does not establish any legal rights. It is intended as a summary of the benefits provided at the time
Enhanced Short-Term Disability Insurance Summary Plan Description Vanderbilt University Your Group Short Term Disability Plan Policy No. 415507 011 Underwritten by Unum Life Insurance Company of America
Short-Term Disability Insurance Developed for the Employees of State of Tennessee, County of Shelby, Shelby County Government Protecting Your Family Securing Your Future As long as you've got your health.
YOUR GROUP WEEKLY DISABILITY INCOME INSURANCE PLAN For Employees of Valley Schools Employee Benefit Trust 6CC000 Balsz Elementary School District B-14166 (9-13) E-Book CONTENTS CERTIFICATION PAGE.............................................
Date January 1, 2016 Marsh & McLennan Companies This Plan provides you with income in case you can t work for an extended period of time because of an injury or illness. Benefits under Marsh & McLennan
GROUP LONG TERM DISABILITY INSURANCE WALWORTH COUNTY ELKHORN, WISCONSIN HUMAN SERVICES PROFESSIONALS ASSOCIATION of Wisconsin, Inc. MADISON NATIONAL LIFE INSURANCE COMPANY, INC. Mailing Address: P.O. Box
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