LIFE UNDERWRITING GUIDELINES

Save this PDF as:

Size: px
Start display at page:

Download "LIFE UNDERWRITING GUIDELINES"

Transcription

1 AETNA ANTHEM BLUE CROSS 2 9 employees: $20, employees: $200,000 Flat 2 9 Employees: $10,000, $15,000, $20,000 or $50, Employees: $10,000, $15,000, $20,000, $25,000, $30,000, $50,000, $75,000, $100,000, $125,000, $150,000, $175,000, or $200, enrolled: $30, enrolled: $50, enrolled: $100, Employees: $25,000, $30,000 or $50, Employees: $25,000, $30,000, $50,000 or $100, Employees: $25,000 to $300,000 Salary Employees: 1 times or 2 times salary (rounded to next higher $1,000) Employees: Up to 3 classes allowed with a minimum of 3 enrolled in each class. Benefit amount of the highest class cannot be more than 5 times the amount of the lowest class Employees: $5,000 spouse, $2,000 child. 65% at age % at age % at age 75. Other options available for groups of Group Size : Must be sold alongside medical or dental : Available standalone. Admin Fee None. None. Contribution 2 9 Employees: 100% Employees: Minimum 50% (excluding optional dependent life) 2 9 Employees: 100% and a minimum of 2 enrolled Employees: 75% of eligible. If 100% employer paid, then 100% participation 2 9 Employees: 1 times annual salary. Minimum benefit of $25,000 & maximum benefit up to $100, Employees: 1 or 2 times annual salary; all employees must have the same schedule. Minimum benefit of $25,000 & maximum benefit of: enrolled: up to $250, enrolled: up to $300, Employees: Employees: Up to 2 classes allowed. $25,000 to $300,000 available; select amounts in increments of $1,000. Must have at least one employee in each class. Benefit amount of the highest class cannot be more than 2.5 times the amount of the lowest class. $10,000 Option $10,000 spouse & each child, $1,000 for child under 6 months. $5,000 Option $5,000 spouse & each child, $500 for child under 6 months. 35% at age 65. Minimum 25%. Rev. Date 11/20/15 Page 1 of 5

2 CALIFORNIACHOICE CHOICE BUILDER HEALTH NET 2 10 employees: $25, employees: $50, employees: $75,000 Flat From $10,000 up to $75,000 in $5,000 increments based on group size employees: $25, employees: $50, employees: $75,000 From $10,000 up to $75,000 in $5,000 increments based on group size eligible: $25, eligible: $50,000 Effective January 2016: eligible: $25, eligible: $50, eligible: $15,000 or $25, eligible: $15,000, $25,000 or $50,000 Effective January 2016: Salary Not available Not available Up to 4 classes allowed. Benefit amount of the highest class cannot be more than 2.5 times the amount of the lowest class. Up to 4 classes allowed. Benefit amount of the highest class cannot be more than 2.5 times the amount of the lowest class eligible: $15,000 or $25, eligible: $15,000, $25,000 or $50,000 30% at age % at age % at age % at age % at age 65. Group Size DE-9C not Some industries are ineligible. 2 9 eligible: no more than 25% of employees may be 60 or older. Effective January 2016: eligible and enrolled, based on FTE count (full-time equivalents). No. No, must be offered alongside dental. 2 9 eligible: Must be alongside medical. Admin Fee None. Fee based on group size: 2-8 employees: $20 per month employees: $25 per month. 21+ employees: $30 per month. If group is enrolling alongside CalChoice, the CalChoice admin fee will be waived. 10+ eligible: Contribution Minimum 100%. Minimum 100%. 2 9 eligible: 100% None. 10+ eligible: Minimum 50% 100% participation 100% participation 2 9 eligible: 100%. 10+ eligible: Minimum 75%. If 100% employer paid, then 100% participation Rev. Date 11/20/15 Page 2 of 5

3 METLIFE 2 50 METLIFE Basic: $50,000 Supplemental: $50,000 employee. Flat Basic: $10,000, $20,000, $15,000, $25,000 or $50,000 Supplemental: Available in increments of $10,000 to a $500,000 maximum. Salary lives: 1x Salary up to $50,000, $75,000, or $100, lives: 1x Salary up to $50,000, $75,000, or $100,000, or $150,000. 2x Salary up to $150, lives: 1x Salary up to $50,000, $75,000, or $100,000, or $150,000. 2x Salary up to $150,000 or $250,000. Groups with Prior Coverage Amount varies Groups with No Prior Coverage 50+ employees: $100,000 Basic Term Employer Sponsored: Minimum $5,000 in increments of $5,000. Voluntary: Minimum $10,000 in increments of $5,000. Core Buy-Up Minimum $20,000. Increments of $1,000. Employee Buy-Up minimum $10,000 Basic Term 1x, 1.5x, 2x, 2.5x, 3x, 3.5x, 4x and 5x Salary. 8x Salary available when combined with Supplemental Term. Core Buy-Up Available. Spouse: 50% of the employee amounts up to $100,000 (in increments of $5,000) Child: 50% of the employee amount up to $10,000 maximum. Available in amounts of $1,000, $2,000, $4,000, $5,000, and $10, % at age 65. Group Size Basic /AD&D: Supplemental /AD&D (includes life): eligible. Must be in business at least 1 year prior to the effective date of the coverage. Groups with < 10 EEs, no more than 75% of the group can be family members (spouses, siblings, children, and parents). DE-9C will be required groups with > 50% family members. Groups with < 25 EEs will be declined if any employee age is 75+. Industries that must be quoted direct: Excluded Industries: 8811, Excluded Employees: retirees, part-time, temporary, seasonal, leased, independent contractors (1099s), pilots and elected officials. Basic: 2 9 must be sold alongside dental. Supplemental (includes life): Available with 10+ eligible and must be sold alongside Basic. Groups of 5 9 enrolled must also be sold alongside dental. Admin Fee None. None. Contribution Basic: 100% Employer contribution. Basic Term Basic: 100% of eligible. Supplemental: 25% with a minimum of 5 enrolled. 1x, 1.5x, 2x, 2.5x, 3x Salary to $500,000 Term is only available with Basic Term. Retirees are not eligible. Spouse benefit cannot exceed 50% of the employee s Basic Term benefit. Child benefit cannot exceed spouse s benefit. 65% of original coverage amount at age 65, 50% of original coverage amount at age 70. Other options available All products must be custom quoted. Minimum 25%. Core Buy-Up 100% non-contributory only. Employee Buy-up plans are 100% employee paid. Basic Term & Core Buy-Up 100% non-contributory only. Employee Buy-up plans have no participation requirement. Rev. Date 11/20/15 Page 3 of 5

4 PRINCIPAL LIFE RELIANCE STANDARD 3 9 employees: $50,000 when submitting Field Underwriting questions and accepted by underwriting employees: $100, employees: $125, employees: $100, enrolled: $50, enrolled: $75, enrolled: $100,000 Flat From $15,000 to $750,000 in $1,000 increments for all employees. From $10,000 to $200,000 in $1,000 increments. Salary Up to 5 times salary up to $750,000. 1x or 2x salary up to $200,000. Will do legitimate job classes. Can do salary/hourly or management/ non-management, etc. Spouse Voluntary Employer option of $1,000, $5,000, $10,000 or $25,000. Not to exceed 50% or 100% of employee benefit lives: $5,000 $100, lives: $5,000 $150, lives: $5,000 $200,000 Child Voluntary Based on group size, employer may select between 1-5 options ranging from $2,000 $25,000. Not to exceed 50% or 100% of employee benefits; must be same % elected for spouse benefit). $1,000 benefit for children < 14 days 35% at age % at age 75. Additional options available. Must have 2 employees enrolled in each class. Group Size Must be in business at least 1 year to qualify for coverage. SmartChoice Firms with employees residing on employer s premises are ineligible. Some industries are ineligible. 3 4 enrolling: Must be written alongside another Principal product. 5+ enrolling: Admin Fee None. $5 per month for electronic billing, or $12 per month for paper billing. (Groups enrolling in dental must elect paper billing) Contribution Minimum of 50% Employer may contribute from 0-100% of the premium. 2 eligible: 100% of eligible. 3 5 eligible: All but one must enroll. 6 9 eligible: All but two must enroll eligible: 75% must enroll. Part-time EEs working hours/week may be included if less than 25% of total eligible. If employer contributes 100% then 100% participation is Carve-outs permitted, must have 2 employees enrolled within a class. All information published herein is gathered from sources which are thought to be reliable, but the reader should not assume that the information is official or final. Reliance on this information received from LISI shall be at your sole risk, and LISI assumes no responsibility for any errors, omissions, or damages arising. Users of this information are encouraged to confirm with other sources, and to seek qualified advice if embarking on any actions that could carry personal or organizational liabilities. Rev. Date 11/20/15 Page 4 of 5

5 UNITEDHEALTHCARE UNUM THROUGH COPOWER Flat 2 5 employees: $25, employees: $50, employees: $100, employees: $175,000 Supplemental Employee & AD&D: employees: $30, employees: $80, eligible: $15,000 $50,000 in $5,000 increments 6 19 eligible: $15,000 $175,000 in $5,000 increments eligible: $15,000 $250,000 in $5,000 increments eligible: $15,000 $350,000 in $5,000 increments Supplemental Employee & AD&D Flat increments of $25,000, not to exceed plan maximums Salary 2 5 eligible: 1x or 2x salary up to $50, eligible: 1x or 2x salary up to $50,000, $100,000 or $175, eligible: 1x or 2x salary up to $50,000, $100,000, $175,000 or $250, eligible: 1x or 2x salary up to $50,000, $100,000, $175,000, $250,000 or $350,000 Supplemental Employee & AD&D 1x or 2x salary not to exceed plan maximums: eligible: $100, eligible: $200, eligible: $300,000 Basic and AD&D 2 9 lives: $25, lives: $150,000 Employee Voluntary and AD&D 2 9 lives: $10, lives: $30, lives: $80,000 Voluntary and AD&D: Spouse: $10,000. Child: $6,000 Basic and AD&D 2 9 lives: $10,000, $15,000 $20,000 or $25,000 as determined by the Employer. 10+ lives: $10,000, $15,000, $20,000, $25,000, $50,000, $100,000 or $150,000 as determined by the Employer. Employee Voluntary and AD&D Available in increments of $10,000. Maximum amount is the lesser of $250,000 or 5x earnings. Allowed for group of 10+ employees. Classes include hourly, salaried, management, non-management, etc. Group Size Basic Spouse $2,000, Child $1,000 Spouse $4,000, Child $2,000 Spouse $7,500, Child $3,750 Supplemental Spouse $10,000 or $20,000 Child $5,000 or $10,000 Guarantee Issue: Spouse $20,000, Child $10,000 65% at age Supplemental available for groups with 10+ eligible employees. Groups of 2 5 must be sold alongside medical. Supplemental must be sold alongside Basic. Limit of 5 classes with a minimum of 3 employees per class The highest class will have no more than 2x s the benefit of the lowest class +$10K with a maximum of $100,000. Spouse Voluntary and AD&D Available in increments of $5,000. Maximum amount is the lesser of $250,000 or 100% of employees voluntary life amount. Child Voluntary and AD&D $6,000 option. Birth to age % at age % at age Groups currently enrolled with Unum are not eligible for coverage through CoPower. Admin Fee None. $10 admin fee per month per group. Contribution Non-contributory: 100% Contributory: Minimum 25% Basic and AD&D: 100% Employer Paid Voluntary and AD&D: 100% EE Paid Non-contributory: 100% Contributory: Minimum 75% Supplemental EE & AD&D: Min 25% Basic and AD&D: 100% Voluntary and AD&D: 0% Rev. Date 11/20/15 Page 5 of 5

HEALTH NET LIFE COMMERICAL BUSINESS LIFE UNDERWRITING GUIDELINES

HEALTH NET LIFE COMMERICAL BUSINESS LIFE UNDERWRITING GUIDELINES HEALTH NET LIFE COMMERICAL BUSINESS LIFE UNDERWRITING GUIDELINES Many of the Underwriting Guidelines are included in the LifeAQS Rating System to address basic rules requiring referral of quotes to Underwriting.

More information

DENTAL UNDERWRITING GUIDELINES SMALL GROUP

DENTAL UNDERWRITING GUIDELINES SMALL GROUP SMALL GROUP AETNA DMO may be combined with any PPO. Freedom of Choice plans are only available standalone. 3 9 eligible: single plan option only. 10-50 eligible: DMO may be combined with any PPO. Freedom

More information

Rate Card General Agent Administrative Handbook

Rate Card General Agent Administrative Handbook February, 2012. MetLife Rate Card General Agent Administrative Handbook Rate Card Process For Indiana, Ohio and West Virginia 1 Table of Contents MetLife Contacts.3 Products & Plan Designs......4 Underwriting

More information

Group Term Life Policy Amendment #4

Group Term Life Policy Amendment #4 Group Term Life Policy Amendment #4 Minnesota Life Insurance Company - A Securian Company 400 Robert Street North St. Paul, Minnesota 55101-2098 To be attached to and made a part of Group Policy No. 33356-G

More information

Employee Term Life Accidental Death & Dismemberment. Dependent Term Life. Short-Term Disability. Long-Term Disability

Employee Term Life Accidental Death & Dismemberment. Dependent Term Life. Short-Term Disability. Long-Term Disability Lafayette Life Insurance Company True Group Product Information For Groups with 10+ Employees Employee Term Life Accidental Death & Dismemberment Dependent Term Life Short-Term Disability Long-Term Disability

More information

Lake Havasu Public Schools Employees Benefit Trust

Lake Havasu Public Schools Employees Benefit Trust Lake Havasu Public Schools Employees Benefit Trust Overview of Unum Benefits / August 2014 Basic Life and Accidental Death & Dismemberment Voluntary Life and Accidental Death & Dismemberment Voluntary

More information

MEDICAL UNDERWRITING GUIDELINES SMALL GROUP

MEDICAL UNDERWRITING GUIDELINES SMALL GROUP SMALL GROUP AETNA (2015 EFFECTIVE DATES) Pick a Plan: available to all groups. Employer may offer all plans and all networks. If employer does not elect Pick a Plan then a maximum of 3 plans may be offered.

More information

PRODUCERS QUICK REFERENCE GUIDE Agent Marketing Support Toll Free: 866-280-0766 In Columbia: 803-382-5976 www.bluechoicesc.com

PRODUCERS QUICK REFERENCE GUIDE Agent Marketing Support Toll Free: 866-280-0766 In Columbia: 803-382-5976 www.bluechoicesc.com PRODUCERS QUICK REFERENCE GUIDE Agent Marketing Support Toll Free: 866-280-0766 In Columbia: 803-382-5976 www.bluechoicesc.com Group Size and Proposal Rating: BusinessADVANTAGE Plans 1/1/2014 2 50 Adjusted

More information

UNDERWRITING QUICK REFERENCE GUIDE SMALL BUSINESS GROUP. What works for you?

UNDERWRITING QUICK REFERENCE GUIDE SMALL BUSINESS GROUP. What works for you? Healthcare UnitedHealthcare UnitedHealthcare UnitedHealthcare UnitedHealthcare UnitedHealthcare UnitedHealthcare UnitedHealthcare UnitedHealthcare UnitedHealthcare UnitedHealthc edhealthcare UnitedHealthcare

More information

Unum Group Life & Disability. Summary of Benefits and Rate Guide. For plans effective January 1, 2015 2-3 2-3 4-5 6-7 8

Unum Group Life & Disability. Summary of Benefits and Rate Guide. For plans effective January 1, 2015 2-3 2-3 4-5 6-7 8 Summary of Benefits and Rate Guide For plans effective January 1, 2015 Unum Group Life & Disability Group Term Life Voluntary Life Long Term Disability Rates Enrollment Checklist 2-3 2-3 4-5 6-7 8 Part

More information

In order to be considered Guarantee Issue (GI) it is assumed that all requirements listed throughout bulletproof have been met.

In order to be considered Guarantee Issue (GI) it is assumed that all requirements listed throughout bulletproof have been met. Notes In order to be considered Guarantee Issue (GI) it is assumed that all requirements listed throughout bulletproof have been met. Guarantee Issue makes group insurance available to California businesses

More information

RIVERSIDE TRANSIT AGENCY FULL-TIME ADMINISTRATIVE EMPLOYEES NEW HIRE ENROLLMENT OVERVIEW 2015

RIVERSIDE TRANSIT AGENCY FULL-TIME ADMINISTRATIVE EMPLOYEES NEW HIRE ENROLLMENT OVERVIEW 2015 RIVERSIDE TRANSIT AGENCY FULL-TIME ADMINISTRATIVE EMPLOYEES NEW HIRE ENROLLMENT OVERVIEW 2015 Riverside Transit Agency (RTA) is extremely proud of the package of benefits available to you. The benefits

More information

Yes Prep Public Schools Voluntary Life Benefit Summary Class 1 - All Eligible Full-Time Teachers

Yes Prep Public Schools Voluntary Life Benefit Summary Class 1 - All Eligible Full-Time Teachers Yes Prep Public Schools Voluntary Life Benefit Summary Class 1 - All Eligible Full-Time Teachers Full-time Employee Requirement Life Amount An eligible employee is a full-time permanent employee authorized

More information

Progress Energy Life Insurance Plan, Progress Energy Accidental Death & Dismemberment Insurance Plan and Progress Energy Business Travel Accident Plan

Progress Energy Life Insurance Plan, Progress Energy Accidental Death & Dismemberment Insurance Plan and Progress Energy Business Travel Accident Plan Document title: Progress Energy Life Insurance Plan, Progress Energy Accidental Death & Dismemberment Insurance Plan and Progress Energy Business Travel Accident Plan Document number: HRI-SUBS-00013 Applies

More information

REQUESTS FOR LIFE INSURANCE PROPOSALS CITY OF SEDALIA, MISSOURI JULY 6, 2015

REQUESTS FOR LIFE INSURANCE PROPOSALS CITY OF SEDALIA, MISSOURI JULY 6, 2015 REQUESTS FOR LIFE INSURANCE PROPOSALS CITY OF SEDALIA, MISSOURI JULY 6, 2015 PREPARED BY: PERSONNEL OFFICE CITY OF SEDALIA, MISSOURI 200 S. OSAGE AVE. SEDALIA, MISSOURI 65301 (660) 827-3000 Proposals must

More information

Insurance and Other Benefits

Insurance and Other Benefits Insurance and Other Benefits Original Implementation: Unpublished Last Revision: January 27, 2015 Employee insurance and benefits include the following: Benefits-eligible employees are offered a basic

More information

Michael Brady, Employee Benefits

Michael Brady, Employee Benefits Michael Brady, Employee Benefits 1 Proposal for group life insurance (GLI) benefit changes are being made for the following reasons: Provide a benefit that is fair to employees and retirees Provide a benefit

More information

Underwriting Guidelines For Specialty Benefit Solutions (SBS) & Oxford Benefit Management (OBM)

Underwriting Guidelines For Specialty Benefit Solutions (SBS) & Oxford Benefit Management (OBM) Underwriting Guidelines For Specialty Benefit Solutions (SBS) & Oxford Benefit Management (OBM) July, 2012 Version 1.0 Prepared by UnitedHealthcare Specialty Benefits 1 10/16/2012 The following document

More information

Dependent Term Life Insurance Plan

Dependent Term Life Insurance Plan Dependent Term Life Insurance Plan Lowe s provides the Lowe s Dependent Term Life Insurance Plan (the Dependent Term Life Plan Option), insured through MetLife, to help with expenses related to the death

More information

Booklet I. CHANGE: Contact Information

Booklet I. CHANGE: Contact Information I Booklet I RETIREE MEDICAL INSURANCE CHANGE: Contact Information The Benefits Office is now the HR Business Center. For questions and assistance with your benefits and information in this booklet, contact

More information

HEALTH INSURANCE AGREEMENT January 1, 2015

HEALTH INSURANCE AGREEMENT January 1, 2015 HEALTH INSURANCE AGREEMENT January 1, 2015 Health Insurance Agreement Between Stanislaus County and the California Nurses Association County Attorneys Association District Attorney Investigators Association

More information

Qualified Status Change (QSC) Matrix

Qualified Status Change (QSC) Matrix Employee may enroll newly eligible Spouse/Domestic Partner and children. Employee may waive medical coverage. Employee may decline dental and/or vision. Employee may opt out only if proof of other group

More information

2015 Small group new business application

2015 Small group new business application 2015 Small group new business application PLEASE COMPLETE AND RETURN ALL PAGES IN THIS APPLICATION OR PROCESSING COULD BE DELAYED. 1-50 eligible employees New group checklist Use this checklist to expedite

More information

Quick reference guide

Quick reference guide Financial Protection For groups with 2 99 employees Life insurance Quick reference guide Life insurance Quick reference guide UnitedHealthcare Specialty Benefits unites a comprehensive portfolio of specialty

More information

CHANGES FOR GROUPS RENEWING INTO OXFORD NEW YORK AND NEW JERSEY SMALL GROUP PRODUCTS

CHANGES FOR GROUPS RENEWING INTO OXFORD NEW YORK AND NEW JERSEY SMALL GROUP PRODUCTS CHANGES FOR GROUPS RENEWING INTO OXFORD NEW YORK AND NEW JERSEY SMALL GROUP PRODUCTS Last year, we communicated planned changes to our online enrollment tool, IDEA Management System SM (IDEA) as part of

More information

St. Louis Community College Summary of Insurance Benefits Effective June 1, 2013

St. Louis Community College Summary of Insurance Benefits Effective June 1, 2013 St. Louis Community College Summary of Insurance Benefits Effective June 1, 2013 Employees are eligible to enroll on the first day of employment and coverage becomes effective on the date the enrollment

More information

Annual Benefits Election 2012

Annual Benefits Election 2012 Medical Insurance Last Name First Name M.I. Address Date Employed Full-Time City Annual Salary State Zip Position Home Phone ( ) Work Location Social Security # Work Phone ( ) UnitedHealthcare Standard

More information

Small Business Health Care Tax Credit

Small Business Health Care Tax Credit Small Business Health Care Tax Credit Frequently Asked Questions Small Business Health Care Tax Credit This information is only intended as a high-level guide and is not to be relied upon as actuarial,

More information

Voluntary Life Insurance with Accidental Death and Dismemberment (AD&D) SUMMARY OF BENEFITS

Voluntary Life Insurance with Accidental Death and Dismemberment (AD&D) SUMMARY OF BENEFITS Voluntary Life Insurance with Accidental Death and Dismemberment (AD&D) SUMMARY OF BENEFITS Sponsored by: Clarksville-Montgomery County Employees Life Benefit Employee Spouse Dependent Amount Choice of

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

Supplemental Disability Insurance Calculation

Supplemental Disability Insurance Calculation Supplemental Disability Insurance Calculation Supplemental Disability Monthly Rates for 2013 Age Waiting Period 7 Days 30 Days 90 Days 180 Days Under 35 $0.0088 $0.0032 $0.0028 $0.0011 35 39 0.0093 0.0036

More information

Voluntary Life Insurance SUMMARY OF BENEFITS

Voluntary Life Insurance SUMMARY OF BENEFITS Voluntary Life Insurance SUMMARY OF BENEFITS Sponsored by: Spring Arbor University Life Benefit Employee Spouse Dependent Amount Choice of $10,000 increments Not to exceed 7 times your salary. Employees

More information

3 Fax: If you are unable to submit the quote request directly into esales Tools or via email, please fax it to 866-802-7498.

3 Fax: If you are unable to submit the quote request directly into esales Tools or via email, please fax it to 866-802-7498. GUIDE for submitting small group quote requests (groups with 2 50 eligible employees) Blue Cross and Blue Shield of Texas (BCBSTX), a Division of Health Care Service Corporation, is committed to providing

More information

Group Term Life Insurance

Group Term Life Insurance Group Term Life Insurance For groups with 2-50 employees For the state of Virginia Plan Design Rate basis Rate guarantee 2-14 employees: Age banded rates (Each employee s premium is based on the group

More information

Preferred Choice Program Enrollment Form Elections Valid June 1, 2013- May 31, 2014

Preferred Choice Program Enrollment Form Elections Valid June 1, 2013- May 31, 2014 Preferred Choice Program Enrollment Form Elections Valid June 1, 2013- May 31, 2014 Complete if enrolling a Employee Name Employee # Work Location Effective Date IRS rules governing taxation require that

More information

THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK

THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK A Stock Life Insurance Company 360 Hamilton Avenue, Suite 210 White Plains, New York 10601-1871 (914) 989-4400 CERTIFICATE GROUP LIFE INSURANCE Policyholder:

More information

Qualified Status Change (QSC) Matrix

Qualified Status Change (QSC) Matrix Employee may enroll newly eligible Spouse/Domestic Partner and children. Employee may waive medical coverage. Employee may decline dental and/or vision. Employee may opt out only if proof of other group

More information

Retiree Considerations Medicare 101. June 26, 2012

Retiree Considerations Medicare 101. June 26, 2012 Retiree Considerations Medicare 101 June 26, 2012 Agenda Goal: Present information regarding Medicare and related products to assist you in evaluating options Key Topics: Eligibility Rules Enrollment Rules

More information

Schedule of Life Insurance Benefits (GR-9N S-02-01 01)

Schedule of Life Insurance Benefits (GR-9N S-02-01 01) Schedule of Benefits (GR-9N-S-01-001-01) Employer: Group Policy Number: Humble Independent School District GP-473323 Issue Date: September 1, 2011 Effective Date: July 1, 2011 Schedule: 1A Cert Base: 1

More information

Association of California Water Agencies Joint Powers Insurance Authority. Medical Benefits Comparison and Participation Guidelines

Association of California Water Agencies Joint Powers Insurance Authority. Medical Benefits Comparison and Participation Guidelines Association of California Water Agencies Joint Powers Insurance Authority Medical Benefits Comparison and Participation Guidelines June 2013 ACWA Joint Powers Insurance Authority Who we are: Special District

More information

2016 CITY OF MILWAUKEE VOLUNTARY AND FAMILY LIFE INSURANCE SELF-SERVICE ENROLLMENT INFORMATIONAL BROCHURE

2016 CITY OF MILWAUKEE VOLUNTARY AND FAMILY LIFE INSURANCE SELF-SERVICE ENROLLMENT INFORMATIONAL BROCHURE 2014 2016 CITY OF MILWAUKEE VOLUNTARY AND FAMILY LIFE INSURANCE SELF-SERVICE ENROLLMENT INFORMATIONAL BROCHURE Group Life Insurance Administrator c/o Employes Retirement System 789 North Water Street Suite

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

Group Voluntary Term Life Insurance

Group Voluntary Term Life Insurance If your family lost you and your income today, how could term coverage help them? LOAN EDUCATION MORTGAGE Benefit coverage for Hy-Vee Group Voluntary Term Life Insurance Supplements existing coverage to

More information

Memorandum SAN JOSE CAPITAL OF SILICON VALLEY TO: HONORABLE MAYOR AND CITY COUNCIL. DATE: October 13, 2011 SUBJECT: SEE BELOW.

Memorandum SAN JOSE CAPITAL OF SILICON VALLEY TO: HONORABLE MAYOR AND CITY COUNCIL. DATE: October 13, 2011 SUBJECT: SEE BELOW. COUNCIL AGENDA: 11/01/11 ITEM: ~.q CITY OF ~ SAN JOSE CAPITAL OF SILICON VALLEY TO: HONORABLE MAYOR AND CITY COUNCIL SUBJECT: SEE BELOW Memorandum FROM: Alex Gurza DATE: Approved SUBJECT: AGREEMENT WITH

More information

Q&A from Assurex Global Webinar. Employer ACA Reporting Requirements. Q: Where will these forms come from? will the IRS provide them?

Q&A from Assurex Global Webinar. Employer ACA Reporting Requirements. Q: Where will these forms come from? will the IRS provide them? Q&A from Assurex Global Webinar Employer ACA Reporting Requirements Questions Q: Where will these forms come from? will the IRS provide them? A: IRS has provided draft Forms 1094 and 1095 along with draft

More information

Group Life Product Specification - Version 1.0. Document Part Number : E55321-01. June 2014

Group Life Product Specification - Version 1.0. Document Part Number : E55321-01. June 2014 Group Life Product Specification - Version 1.0 Document Part Number : E55321-01 June 2014 Page 1 of 10 6/21/2014 Table of Contents Group Life... 1 [1] Overview... 3 [a] Introduction... 3 [b] Assumptions...

More information

Blue Shield of California Small group underwriting guidelines for producers

Blue Shield of California Small group underwriting guidelines for producers Blue Shield of California Small group underwriting guidelines for producers Effective January 1, 2014 Groups of 1 to 50 eligible employees This booklet contains guidelines that represent Blue Shield s

More information

Benefits Summary for UAB Hospital Management LLC Employees www.uab.edu/benefits

Benefits Summary for UAB Hospital Management LLC Employees www.uab.edu/benefits Benefits Summary for UAB Hospital Management LLC www.uab.edu/benefits HUMAN RESOURCE MANAGEMENT Health Care, Dental, and Vision Plans For new employees, coverage under UAB s group health care, dental,

More information

LIFE INSURANCE SUMMARY

LIFE INSURANCE SUMMARY LIFE INSURANCE SUMMARY Your family can count on your paycheck to meet day-to-day expenses while you are actively at work, but it is important to plan for their financial security in the event of your death.

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

Life. Group Term Life Plans Group Sizes 2 or more. Underwritten by BEST Life and Health Insurance Co. LIFE-081809

Life. Group Term Life Plans Group Sizes 2 or more. Underwritten by BEST Life and Health Insurance Co. LIFE-081809 Group Term Plans Group Sizes 2 or more Underwritten by BEST and Health Insurance Co. LIFE-081809 Insurance for Protection Group Term insurance provides valuable and affordable group benefits, providing

More information

2015 BENEFIT PLAN RECOMMENDATIONS GROUP DENTAL, LIFE, DISABILITY AND ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE PLANS

2015 BENEFIT PLAN RECOMMENDATIONS GROUP DENTAL, LIFE, DISABILITY AND ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE PLANS Attached please find a summary and supporting analysis reflecting the recommendations for selection of a Dental Plan provider and selection of a provider of Life/Accidental Death and Dismemberment ( AD&D

More information

SMALL BUSINESSES AND THE AFFORDABLE HEALTH CARE ACT

SMALL BUSINESSES AND THE AFFORDABLE HEALTH CARE ACT Walt Whitmer Sr. Extension Associate Department of Agricultural Economics, Sociology, and Education wew2@psu.edu SMALL BUSINESSES AND THE AFFORDABLE HEALTH CARE ACT Small Business Basics Employ 3.2 million

More information

Treasury and IRS Issue Final Regulations for Reporting Compliance With Affordable Care Act Mandates

Treasury and IRS Issue Final Regulations for Reporting Compliance With Affordable Care Act Mandates Treasury and IRS Issue Final Regulations for Reporting Compliance With Affordable Care Act Mandates April 2014 The Treasury Department and the Internal Revenue Service (IRS) issued final regulations on

More information

Income Protection. Archdiocese of St. Louis Policy# 677885. Supplemental Life Insurance. Administration Guide for Supplemental Life Insurance :

Income Protection. Archdiocese of St. Louis Policy# 677885. Supplemental Life Insurance. Administration Guide for Supplemental Life Insurance : Income Protection Supplemental Life Insurance Administration Guide for Supplemental Life Insurance : Archdiocese of St. Louis Policy# 677885 Eligibility Enrollment Period All full-time active employees

More information

UNDERWRITING GUIDELINES

UNDERWRITING GUIDELINES UNDERWRITING GUIDELINES SMALL GROUP ACCOUNTS Anthem Blue Cross and Blue Shield And Its Affiliate HealthKeepers, Inc. For New Sales and Renewals Effective August 2014 1 Changes Changes are in italics on

More information

Group term life and AD&D insurance

Group term life and AD&D insurance Group term life and AD&D insurance Employer information for groups with 51+ eligible employees Effective October 1, 2011 blueshieldca.com Life and accidental death and dismemberment (AD&D) insurance are

More information

Insurance Plan. Aetna Life Insurance Company. Program Information. Life, AD&D and Short Term Disability

Insurance Plan. Aetna Life Insurance Company. Program Information. Life, AD&D and Short Term Disability Insurance Plan Aetna Life Insurance Company Program Information Life, AD&D and Short Term Disability An Employer s Guide for the Manufacturer & Business Association Group Life, AD&D and Short Term Disability

More information

Humana Life. Humana.com GNHJ3DVEN 1114

Humana Life. Humana.com GNHJ3DVEN 1114 Humana Life Humana.com GNHJ3DVEN 1114 Making sure the quality of life goes on Here are a few more reasons to choose Humana life: Families speak directly with staff who are specially trained to handle

More information

Dependent Life Insurance Plan

Dependent Life Insurance Plan Dependent Life Insurance Plan Lowe's offers the Lowe's Dependent Term Life Insurance Plan (the Dependent Term Life Plan Option), insured through MetLife, to help with expenses related to the death of a

More information

UNDERWRITING GUIDELINES FOR PRODUCERS ID0224-0115. mynmhc.org

UNDERWRITING GUIDELINES FOR PRODUCERS ID0224-0115. mynmhc.org UNDERWRITING GUIDELINES FOR PRODUCERS ID0224-0115 mynmhc.org Table of Contents Purpose and Overview I. Group and Employee Eligibility Requirements 1. Employer Eligibility 2. Ineligible Groups 3. Eligible

More information

Full- Time Employees Overview of Life Insurance Coverage Options for Full- Time Employees

Full- Time Employees Overview of Life Insurance Coverage Options for Full- Time Employees Life Insurance The Company offers different life insurance coverage options to protect you and your family in the case of your death or accidental injury (AD&D insurance only applies to full- time employees).

More information

New Jersey Small Employer Certification

New Jersey Small Employer Certification Please Mail To: AmeriHealth Insurance Company of New Jersey AmeriHealth HMO, Inc. 259 Prospect Plains Road, Building M Cranbury, NJ 08512 Tel 215-640-7573 Fax 215-238-7940 Email: NJSEH-Cert@amerihealth.com

More information

2016 Summary of Benefits

2016 Summary of Benefits Morehead State University 2016 Summary of Benefits For Regular, Full-time Morehead State University Employees Faculty (F) Staff (S) All (A) OFFICE OF HUMAN RESOURCES 301 Howell McDowell Morehead, KY 40351

More information

MONTANA TECH EMPLOYEE BENEFITS

MONTANA TECH EMPLOYEE BENEFITS MONTANA TECH EMPLOYEE BENEFITS The following is a summary explanation of the payroll deductions and fringe benefits provided to eligible employees of Montana Tech. A. REQUIRED DEDUCTIONS 1. F.I.C.A. (SOCIAL

More information

Voluntary Life Insurance with Accidental Death and Dismemberment (AD&D) SUMMARY OF BENEFITS

Voluntary Life Insurance with Accidental Death and Dismemberment (AD&D) SUMMARY OF BENEFITS Voluntary Life Insurance with Accidental Death and Dismemberment (AD&D) SUMMARY OF BENEFITS Sponsored by: Quantum 3D, Inc. Effective date: January 1, 2010 Life Benefit Employee Spouse Dependent Amount

More information

2014 CITY OF MILWAUKEE VOLUNTARY AND FAMILY LIFE INSURANCE INFORMATIONAL BROCHURE

2014 CITY OF MILWAUKEE VOLUNTARY AND FAMILY LIFE INSURANCE INFORMATIONAL BROCHURE 2014 2014 CITY OF MILWAUKEE VOLUNTARY AND FAMILY LIFE INSURANCE INFORMATIONAL BROCHURE Group Life Insurance Administrator c/o Employes Retirement System 789 North Water Street Suite 300 Milwaukee, Wisconsin

More information

Schedule of Life Insurance Benefits (GR-9N S-02-01 01)

Schedule of Life Insurance Benefits (GR-9N S-02-01 01) Schedule of Benefits (GR-9N-S-01-001-01) Employer: Group Policy Number: Barnes Group Inc. GP-307198 Issue Date: January 1, 2011 Effective Date: January 1, 2011 Schedule: 3B Cert Base: 3 FOR: ACTIVE NON-UNION

More information

Companion Life Insurance Company. Administrative Guide

Companion Life Insurance Company. Administrative Guide Companion Life Insurance Company Administrative Guide Contents Section.Title About Your Companion Life Administrative Guide I. Online Services II. New Enrollments Who is Eligible for insurance? Processing

More information

Small Business Broker Reference Guide Illinois & Northwest Indiana

Small Business Broker Reference Guide Illinois & Northwest Indiana Small Business Broker Reference Guide Illinois & Northwest Indiana 2-99 segment January 1, 2013 We are proud of our commitment to agents throughout Illinois and Northwest Indiana. We recognize the value

More information

American United Life Insurance Company Indianapolis, Indiana 46206-0368 Certifies that it has issued and delivered a Policy numbered G 2535(T) E to:

American United Life Insurance Company Indianapolis, Indiana 46206-0368 Certifies that it has issued and delivered a Policy numbered G 2535(T) E to: American United Life Insurance Company Indianapolis, Indiana 46206-0368 Certifies that it has issued and delivered a Policy numbered G 2535(T) E to: Fifth Third Bank, Indiana, Trustee For The American

More information

Employee Benefit Solutions Manual for Traditional Group Products

Employee Benefit Solutions Manual for Traditional Group Products Employee Benefit Solutions Manual for Traditional Group Products December 1, 2011 UNDERWRITING MANUAL FOR INTERNAL USE ONLY NOT FOR DISTRIBUTION TO THE PUBLIC Policies issued by: American General Life

More information

University of Mississippi Medical Center Policy # 111686-002

University of Mississippi Medical Center Policy # 111686-002 Term Life Insurance and AD&D Coverage Highlights ADR1879-2001 University of Mississippi Medical Center Policy # 111686-002 Please read carefully the following description of your Unum Term Life and AD&D

More information

Voluntary Term Life Insurance

Voluntary Term Life Insurance 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

More information

Small Business Federal Tax Credit vs. Maryland State Subsidy Program

Small Business Federal Tax Credit vs. Maryland State Subsidy Program Small Business Federal Tax Credit vs. Maryland State Subsidy Program Why it s important The state has offered these subsidies since 2008, but not many have signed up because the program has not been widely

More information

A Guide to RETIREMENT BENEFITS

A Guide to RETIREMENT BENEFITS A Guide to RETIREMENT BENEFITS Revised June 2014 TABLE OF CONTENTS Retirement Plan State Employees Retirement System (SERS) 1 Retirement Eligibility 2 Benefit Payment Options 3 Cost of Living Adjustment

More information

Updating your family s financial security is Simple, Affordable & SAFE!

Updating your family s financial security is Simple, Affordable & SAFE! You never know what can happen on your watch. Is your family financially secure? Updating your family s financial security is Simple, Affordable & SAFE! C-07 The California State Firefighters Employee

More information

March 26, 2015. Q&A from Assurex Global Webinar "Employer ACA Reporting Requirements"

March 26, 2015. Q&A from Assurex Global Webinar Employer ACA Reporting Requirements Q&A from Assurex Global Webinar "Employer ACA Reporting Requirements" Question Large employer 500+, have several health insurance coverages some self funded some fully insured so who gets it with both

More information

TIPS. for Submitting New Regulated Small Groups (groups with 2 50 employees)

TIPS. for Submitting New Regulated Small Groups (groups with 2 50 employees) TIPS for Submitting New Regulated Small Groups (groups with 2 50 employees) Blue Cross and Blue Shield of Texas (BCBSTX) is committed to providing excellent service. These tips should be helpful as you

More information

Policyholder: BOB JONES UNIVERSITY Group Number: GA0845 Class: All Full Time Eligible Employees. Voluntary Group Term Life Insurance

Policyholder: BOB JONES UNIVERSITY Group Number: GA0845 Class: All Full Time Eligible Employees. Voluntary Group Term Life Insurance 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

More information

POINT OF CONTACT: Brenda Black, Human Resources Generalist Direct: 864-752-4577 b.black@thegordiangroup.com HEALTH PLANS FORM

POINT OF CONTACT: Brenda Black, Human Resources Generalist Direct: 864-752-4577 b.black@thegordiangroup.com HEALTH PLANS FORM Corporate Resources New Hire Onboarding BENEFITS OBJECTIVES After this you should be more familiar with: Gordian Health Plans HAS or FSA options Life, Accidental Death & Dismemberment Insurance Long &

More information

Understanding Federal Employees Group Life Insurance. Presented by: <Speaker s Name> <Speaker s Title> <Date of Presentation>

Understanding Federal Employees Group Life Insurance. Presented by: <Speaker s Name> <Speaker s Title> <Date of Presentation> Understanding Federal Employees Group Life Insurance Presented by: Today s Agenda The FEGLI Program and Options FEGLI During Federal Employment

More information

Florida underwriting brochure

Florida underwriting brochure Quality health plans & benefits Healthier living Financial well-being Intelligent solutions Florida underwriting brochure Plans effective January 1, 2015 For businesses with 1 100 employees www.aetna.com

More information

Municipal Employees Retirement System of Michigan (MERS) Participating Entity Application Under 25 Lives

Municipal Employees Retirement System of Michigan (MERS) Participating Entity Application Under 25 Lives Participating Entity Application Under 25 Lives Complete this form to apply for group insurance coverage available to Participating Entities of the Municipal Employees Retirement which sponsors these programs.

More information

Your Pre-Tax Premiums Plan

Your Pre-Tax Premiums Plan Your Pre-Tax Premiums Plan Updated September 2015 INTRODUCTION Through s Pretax Premiums plan, your health, dental, vision and/or Accidental Death and Dismemberment (AD&D) monthly premiums are deducted

More information

Model Supplemental Information Notice CEA

Model Supplemental Information Notice CEA Model Supplemental Information Notice CEA Model COBRA Continuation Coverage Supplemental Notice (For use by group health plans for qualified beneficiaries currently enrolled in COBRA coverage to advise

More information

Facts to know. about OASSIS Benefit Plans

Facts to know. about OASSIS Benefit Plans Facts to know. about OASSIS Benefit Plans 1. Plan Solutions for Organizations of All Sizes: 1 25 Employees OASSIS Packaged or Pooled Plans - Value, Standard, Standard Plus, Enhanced & Enhanced Plus 5 comprehensive

More information

A healthier business starts with. healthier employees.

A healthier business starts with. healthier employees. A healthier business starts with healthier employees. NY State of Health s Small Business Marketplace Overview for Small Business Owners Call us at 1-855-355-5777 TTY: 1-800-662-1220 nystateofhealth.ny.gov

More information

Copyright 2014 American Fidelity Assurance Company

Copyright 2014 American Fidelity Assurance Company HEALTH CARE REFORM What You Need to Do from Now to 2015 This is only a brief summary that reflects our current understanding of select provisions of the law, often in the absence of regulations. All of

More information

BENEFITS OUTLINE. An introduction to the valuable benefits available to new and prospective regular employees of the Research Foundation for SUNY

BENEFITS OUTLINE. An introduction to the valuable benefits available to new and prospective regular employees of the Research Foundation for SUNY BENEFITS OUTLINE An introduction to the valuable benefits available to new and prospective regular employees of the Research Foundation for SUNY HEALTH CARE Health Care The RF Health Care plan features

More information

2015 Charts & Rates. Benefit Comparison Charts & Rates

2015 Charts & Rates. Benefit Comparison Charts & Rates 2015 Charts & Rates Comparison Charts & Rates Medical Options This is not the complete Medical Comparison Chart. Refer to the Medical Summary Plan Description or the Legal Notices on the enclosed CD for

More information

Voluntary Life Insurance with Accidental Death and Dismemberment (AD&D) SUMMARY OF BENEFITS

Voluntary Life Insurance with Accidental Death and Dismemberment (AD&D) SUMMARY OF BENEFITS Voluntary Life Insurance with Accidental Death and Dismemberment (AD&D) SUMMARY OF BENEFITS Sponsored by: Xavier University All Full-Time Employees excluding Jesuit Employees Life Benefit Employee Spouse

More information

Small Employer Health Care Tax Credit: Questions & Answers (Q&A)

Small Employer Health Care Tax Credit: Questions & Answers (Q&A) Brought to you by Seubert & Associates Small Employer Health Care Tax Credit: Questions & Answers (Q&A) The Patient Protection and Affordable Care Act (ACA) provides a tax credit to certain small employers

More information