Income Protection. Archdiocese of St. Louis Policy# Supplemental Life Insurance. Administration Guide for Supplemental Life Insurance :
|
|
- Georgia Anthony
- 8 years ago
- Views:
Transcription
1 Income Protection Supplemental Life Insurance Administration Guide for Supplemental Life Insurance : Archdiocese of St. Louis Policy# Eligibility Enrollment Period All full-time active employees working 1,000 or more hours per year are eligible for coverage on their date of hire. Spouse coverage is available only if the employee has elected coverage and is subject to 50% of the employee amount. Child coverage is available for child from the age of 14 days to 25 th birthday regardless of student status provided the employee is enrolled and approved for coverage. All employees should complete an enrollment form electing to participate in the benefit. Employee enrolling after the 31 day period will be required to provide evidence of insurability for any amount of coverage. Effective Date Benefit Amount Coverage will be effective on the later of: The employee s date of hire provided they enrolled within 31 days of their date of hire The date the employee signs their enrollment form provided they enrolled within 31 days of their date of hire The date Hartford approves their Personal Health Application Benefit amounts are as follows: Employees coverage - Increments of $10,000 to a maximum of $300,000 Spouse coverage Increments of $5,000 to a maximum of $150,000 subject to 50% of the employee s approved amount of coverage. Child coverage Increments of $5,000 to a maximum of $15,000 Guaranteed Issue Amount Employee - $100,000 Spouse - $25,000 Child - $15,000 Employees enrolling within 31 days of their date of hire are guaranteed up to the Guaranteed Issue Amount (GIA). Amounts over the guaranteed issue amount require the employee and/or spouse to complete a Hartford Personal Health Application and be approved for coverage. Reductions Due To Age Employee and Spouse benefits will reduce to 65% at age 70, to 45% at age 75 and to 30% at age 80 based on the employee s age. These reductions will automatically appear on July 1 bill following the employee s birthday. Family Status Changes Employees can also elect coverage for a spouse or child if they have a family status change. Family status changes include marriage, divorce, birth, adoption or legal guardian of a child, spouse dies or spouse is no longer employed and looses benefits.
2 Accelerated Death Benefit Waiver of Premium Premiums Termination of Coverage Conversion and Portability If an employee or dependent is diagnosed as terminally ill with a life expectancy of 12 months or less, they may be eligible to receive payment of a portion of their life insurance. The remaining amount of the life insurance would be paid to their beneficiary upon death. They will need to complete the Hartford Accelerated Death Benefit form. Employees who are totally disabled and not working may continue their life insurance past the 12 month period if they are approved for waiver of premium. To be eligible, they need to be under the age of 60 at the time of the disability and be disabled for at least 6 months. Employees will need to complete the Hartford Waiver of Premium form and be approved for coverage prior to the end of the 12 month period in order to continue their life insurance past the 12 month period. Monthly rates are based on the employee s age as of their effective date of coverage and will increase on July 1 of each year following the date the employee moves to the next age band. Spouse coverage is based on employee s age. Child cost is based on a unit cost and not per child. The employee s cost for child coverage is the same regardless of the number of children they have enrolled. Employee & Spouse Monthly Rates per $1,000 of Benefit Age Hartford < Child(ren) 1.00 per $5,000 Employee Coverage will end on the earlier of 1) the date the employee is no longer eligible or 2) the employee s last day work. Dependent coverage will end on the date the dependent is no longer eligible for coverage. Coverage may be continued by the employee and/or dependent provided they enroll for Conversion or Portability. Coverage may also continue under one of the following continuation provisions provided premium is paid during this time. Military Leave 12 weeks Sickness or Injury 12 months Family Medical Leave 12 weeks Conversion - Employees and Dependent may convert the supplemental life insurance to an individual policy by completing the Notice of Continuing Coverage form, if they enroll for conversion with 31 days of the date their coverage ends. Premiums are based on their age at the time of conversion. Portability Employees may elect Portability, if their coverage is terminating prior to their Social Security Normal Retirement Age. This option allows the employee to continue all or a portion of their and their dependent Supplemental Life Insurance coverage under a separate Portability term policy. To elect Portability, they must complete the Notice of Continuing Coverage form to apply and pay the premium within 31 days of the termination of their Supplemental Life Insurance. Evidence of Insurability will not be required. Portability is not available to dependent children who have reached the limiting age of 25. Employees can contact Hartford s Conversion and Portability Department at to obtain additional information.
3 STEPS INVOLVED IN ADMINISTRATION OF VOLUNTARY TERM LIFE INSURANCE 1. When an employee is first hired, give the employee a Hartford Life Enrollment-Change form and Hartford Life benefit booklet. 2. Instruct the employee that he/she has 31 days to elect or waive this coverage. After 31 days, evidence of insurability will be required for benefits. Ask that the employee complete the Hartford Life Enrollment-Change Form and name a beneficiary, if they are electing life insurance. 3. Once an employee has enrolled for this coverage, add the employee to the voluntary billing by logging onto the Hartford Employerview Website ( and adding the employee s information using the Participant Administration button located to the left of the screen and arrange for their payroll deduction with your payroll administrator. This is an age related billing, not salary related. Insert $1 when enrolling in the Participant Administration section. Questions regarding User Name and Password access to Employerview should be directed to Anne Hager at Important Billing Notes: Hartford bills for full months only and does not do any partial month billing. The payroll deduction amount should apply to the guaranteed issue amount only. Once the employee has been approved for amounts over the guaranteed issue amount, the payroll deduction should be increased to the total amount approved by Hartford. The bill will automatically update to the new benefit amount on the first of the month following the date of the approval. 4. Your monthly bill from Hartford will list the employees with their approved benefit amounts and monthly premium amounts. The monthly bill should be carefully reviewed each month for accuracy. The employee s name will appear in bold text if any changes were made from the previous month. 5. Questions regarding billing and enrollment can be directed to Hartford s Customer Service department at In the event of a death claim, employee with a terminal illness or a disability lasting 6 months or longer, contact Linda Lenz (314) at Hartford for the appropriate forms. 7. An employee can cancel their employee, spouse, and/or child coverage at any time. If the employee decides to cancel his/her coverage, the employee must complete and sign a new Hartford Enrollment-Change Form requesting to cancel coverage. Once the form is completed, you can terminate the employee from the billing by updating the employee s information on the Employerview website or notifying Hartford at the fax number or address provided above. Premium is required to the end of the month following termination. Any overpayments will be credited on your next monthly bill. If cancellation is due to termination, provide employee with Conversion and Portability information.
4 Your Administration and Billing Responsibilities You play an important role in the administration of your policy. Your responsibilities include: Ensuring that all eligible employees apply appropriately and timely for coverage. Managing the Employerview Website for your Participant Administration, (adds, terms and changes). Keeping accurate records on plan enrollment, census information, and coverage levels to aid in the preparation of your billing statements. Maintaining all Enrollment Forms, Beneficiary Change forms and other important plan records in your office. Determining when an applicant needs to submit a Personal Health Application and completing the Employer s section of the application. Notifying employees of their Conversion, Portability and Waiver of Premium rights in a timely manner, if applicable. Review the electronic monthly billing statement each month, and pay the premium requested no later than 60 days from statement.
5 Hartford Contact Information Primary Contact: Hartford Life Customer Service Phone: (800) Secondary Contact: Conversions & Portability: Medical Underwriting Enrollment Changes Billing & Premiums: Linda Lenz Account Manager 1401 Brentwood St. Louis, MO Hartford Administration Conversion & Portability Unit P.O. Box Cleveland, OH Medical Underwriting Unit P.O. Box 2999 Hartford, CT Hartford Employerview website, or fax number Lockbox Philadelphia, PA Overnight Address: The Hartford Lockbox N. Independence Mall East Philadelphia, PA Phone: (314) Fax: (860) Phone: (877) Fax: (440) Phone: (800) Fax: (860) Website: Fax: For or Fax, be sure to include: policy number # billing id number from bill effective date of change Phone: (888) Fax: (860)
Base Plan Benefits Two Plan Options
Endowment at Age 100 Life Insurance Paul Revere s Endowment at Age 100 is an individually owned life insurance plan with guaranteed level premiums, guaranteed cash values and a guaranteed death benefit.
More informationMetLife Term Life Insurance
MetLife Term Life Insurance Effective Date: January 1, 2014 pending underwriting approval if indicated OPTIONAL EMPLOYEE LIFE INSURANCE Optional Life coverage is available to you in the amounts listed
More informationDependent 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 informationDependent 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 Cigna, to help with expenses related to the death of a dependent.
More informationDependent 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 informationCompanion 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 informationInterest rates are guaranteed to be no lower than 4 percent.
Universal Life Colonial Life s Universal Life 1000 is a flexible premium, adjustable death benefit life insurance plan that accumulates cash value, based on current interest rates. Employees can purchase
More informationCity of Rexburg Policy # 836476
Term Life Insurance Coverage Highlights Employee Funded City of Rexburg Policy # 836476 Please read carefully the following description of your Unum Term Life insurance plan. Your Plan Eligibility All
More informationForms Processing Training
Life Insurance Forms Processing Training PEBB Outreach and Training February 2012 Agenda New Employee Eligibility and Enrollment Making Changes Underwriting Carrier Approval Claims Death Claim Accelerated
More informationUnited of Omaha Life Insurance Company A Mutual of Omaha Company. voluntary term life insurance. work. for you UGC8914_0409
United of Omaha Life Insurance Company A Mutual of Omaha Company voluntary term life insurance Benefits work that for you UGC8914_0409 Eligibility All full-time employees, who are citizens or permanent
More informationGroup Term Life Voluntary Group Term Life Insurance
Group Term Life Consumer Brochure CGT101C-A-0707 Underwritten by: Transamerica Life Insurance Company Group Term Life Voluntary Group Term Life Insurance Group Term Life Voluntary Group Term Life Insurance
More informationUSE THIS FORM IF YOU ARE TRYING TO...
USE THIS FORM IF YOU ARE TRYING TO... LIFE INSURANCE FORMS: If You Are Trying To: Use This Form Enrollments & Waivers For each new permanent and temporary employee, the authorized agent must complete the
More informationGROUP UNIVERSAL LIFE (GUL) & ACCIDENTAL DEATH & DISMEMBERMENT (AD&D) PROGRAM FREQUENTLY ASKED QUESTIONS (FAQs) MAY 2015
GROUP UNIVERSAL LIFE (GUL) & ACCIDENTAL DEATH & DISMEMBERMENT (AD&D) PROGRAM FREQUENTLY ASKED QUESTIONS (FAQs) MAY 2015 Minnesota Life is the underwriter of the State of Delaware s GUL and AD&D Program.
More information2014 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 informationVoluntary Term Life Program Specifications Prepared For. Gunnison County
Voluntary Term Life Program Specifications Prepared For Gunnison County The Lincoln National Life Insurance Company 8801 Indian Hills Drive, Omaha, NE 68114 VOLUNTARY TERM LIFE INSURANCE Employee Gunnison
More informationMetLife Term Life Insurance Plan
MetLife Term Life Insurance Plan Basic Employee Life & AD&D Insurance Optional Employee Life & AD&D Insurance Basic Employee Life & AD&D Insurance This insurance is payable for death from any cause to
More information2016 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 informationHow To Know What Happens To Your Benefits When You Quit Your Job
Westinghouse Electric Company Events Guide Benefits in the Event of: Leave of Absence Disability Layoff / Permanent Separation Death Furlough Voluntary Quit / Involuntary Termination Revised January 2015
More informationhy should you consider purchasing life insurance protection at your workplace?
W hy should you consider purchasing life insurance protection at your workplace? Employees find significant value in obtaining non-medical products in their workplace. Many of us lead busy lives and seldom
More informationNorth 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 informationVoluntary 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 informationGroup Life and Disability Coverage Administration Manual
Group Life and Disability Coverage Administration Manual How to administer your company s life and disability coverage 47664GAEENGGL 9/14 The contents of this manual should not be considered legal advice
More informationBasic & Optional Life Insurance Coverage Available to Eligible Employees
Basic & Optional Life Insurance Coverage Available to Eligible Employees The coverage described in this handbook applies to employees who are eligible to be insured under the terms of the plan as of January
More informationLife Insurance Company of North America 1601 Chestnut Street Philadelphia, PA 19192 (215) 761-1000
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
More informationBradley 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 informationREQUESTS 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 informationMcAllen 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 informationParticipating in the Life and Accidental Death and Dismemberment (AD&D) Insurance Plans
Participating in the Life and Accidental Death and Dismemberment (AD&D) Insurance Plans This document serves as the Summary Plan Description (SPD) for the Campbell Soup Company Life Insurance and Accidental
More informationTerm Life Insurance. Developed for the Employees of Iona College. 811761 a 06/12
Term Life Insurance Developed for the Employees of Iona College 811761 a 06/12 Who Needs Life Insurance? You do. Single or married. Buying your first home or preparing for retirement. Raising children
More informationVoluntary 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 informationYour Life Insurance Guide
Your Life Insurance Guide 646522-A Standard Insurance Company Life Insurance Life insurance coverage can help your family meet daily expenses, maintain their standard of living, pay off debt, secure your
More informationCHAPTER 11 FEDERAL EMPLOYEES GROUP LIFE INSURANCE (FEGLI) Section I - General. Section II - Types and Costs of Insurance
CHAPTER 11 FEDERAL EMPLOYEES GROUP LIFE INSURANCE (FEGLI) Section I - General General. The FEGLI Program offers all indefinite and permanent technicians an opportunity to participate in the plan which
More informationPioneer Surgical Technology, Inc. Policy # 151666
Coverage Highlights Pioneer Surgical Technology, Inc. Policy # 151666 Please read carefully the following description of your Unum Term Life and AD&D insurance plan. Your Plan Eligibility Coverage Amounts
More informationAdditional Life Coverage Highlights Kent State University
Additional Life Coverage Highlights Additional Life Insurance will provide Basic Life coverage from Standard Insurance Company. If you are enrolled in Basic Life, you may also apply for Additional Life
More informationAD&D and Life Insurance Information
Coverage Highlights Centenary College of Louisiana Policy # 136985 Please read carefully the following description of your Unum Term Life and AD&D insurance plan. Your Plan Eligibility Coverage Amounts
More informationMetLife Supplemental Life Insurance
Westminster College Plan Benefits Explore the coverage that makes it easy to give yourself and your loved ones more security today and in the future. Basic Life and Accidental Death and Dismemberment Insurance
More informationThe Need for Life Insurance
United of Omaha Life Insurance Company Companion Life Insurance Company The Need for Life Insurance Life insurance is a simple answer to a very difficult question: How will my loved ones manage financially
More informationSupplemental 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 informationTHE 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 informationSupplemental Term Life Insurance Plan
Supplemental Term Life Insurance Plan This information describes Lowe s Supplemental Term Life Insurance Plan (the Supplemental Life Plan Option), which is available to all full-time employees. Participation
More informationGROUP LIFE INSURANCE ENROLLMENT INFORMATION
North Dakota Public Employees Retirement System 400 East Broadway, Suite 505 Box 1657 Bismarck, North Dakota 58502-1657 Sparb Collins Executive Director (701) 328-3900 1-800-803-7377 FAX: (701) 328-3920
More informationNotice of Protection Provided by Utah Life and Health Insurance Guaranty Association
Notice of Protection Provided by Utah Life and Health Insurance Guaranty Association This notice provides a brief summary of the Utah Life and Health Insurance Guaranty Association ( the Association )
More informationEgyptian Area Schools term life insurance program
FOR GROUP BENEFITS EduBenefit Egyptian Area Schools term life insurance program Supplemental group term life insurance SM Help secure their futures You can help make sure your loved ones can continue to
More informationVoluntary Term Life Insurance and AD&D Coverage Highlights
Coverage Highlights Educational Service Center of Franklin County Policy # 126694 Please read carefully the following description of your Unum Term Life and AD&D insurance plan. Your Plan Eligibility Coverage
More informationLIFE INSURANCE COMPANY OF NORTH AMERICA (herein called the Company)
LIFE INSURANCE COMPANY OF NORTH AMERICA (herein called the Company) Amendment to be attached to and made a part of the Group Policy A Contract between the Company and Payless ShoeSource, Inc. (herein called
More informationMississippi State and School Employees Life Insurance Plan Group Term Life Insurance
Mississippi State and School Employees Life Insurance Plan Group Term Life Insurance The Health Insurance Management Board is authorized by state law to provide certain specified group life insurance benefits
More informationTerm 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 informationShort Term Disability: Exempt Employees
Short Term Disability: Exempt Employees Eligibility Minimum Hourly Requirement Waiting Period for Benefits Elimination period Benefit Percentage Maximum Duration Definition of Earnings Successive Periods
More informationShort Term Disability: Exempt Employees
Short Term Disability: Exempt Employees Eligibility Minimum Hourly Requirement Waiting Period for Benefits Elimination period Benefit Percentage Maximum Duration Definition of Earnings Successive Periods
More informationCHURCH LIFE INSURANCE CORPORATION
445 Fifth Avenue New York, NY 10016 (866) 802-6333 (212) 592-1800 CHURCH LIFE INSURANCE CORPORATION THIS POLICY RIDER IS IN CONJUNCTION WITH THE GROUP INSURANCE POLICY AND CERTIFICATE NO. GL2005 IS ISSUED
More informationOptional Life Insurance. Answers To Your Questions
Optional Life Insurance Answers To Your Questions About This Booklet This booklet is designed to answer some common questions about the group Optional Life insurance coverage being offered by Kansas Public
More informationany age reductions (see Benefit Reduction) or Accelerated Death Benefit previously paid under this plan.
Basic Term Life The Hartford Life and Accident Insurance Company Group Numbers Basic Term Life - 677984 Basic & Voluntary AD&D - S07449 The following is a brief description of the coverage provided through
More informationUniversity 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 informationRobinson McFadden & Moore, P.C. Policy # 39860
Coverage Highlights Robinson McFadden & Moore, P.C. Policy # 39860 Please read carefully the following description of your Unum Term Life and AD&D insurance plan. Your Plan Eligibility Coverage Amounts
More informationMontana 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 informationInformation About You Employee ID (if not available, then Social Security Number): Date of Birth: Date of Hire: Earnings:
HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY One Hartford Plaza, Hartford, CT 06155 (A stock insurance company) PALOMAR COMMUNITY COLLEGE: FBC Benefits Enrollment Form Instructions Please enter all required
More informationUnum 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 informationYour Guide to Understanding Voluntary Term Life Insurance. Voluntary Benefits. So Important.
Your Guide to Understanding Voluntary Term Life Insurance Voluntary Benefits What would happen if you weren t here? How would your family s life change if something happened to you? If you re married,
More informationGroup and Voluntary Life and AD&D
Group and Voluntary Life and AD&D Voluntary Life and AD&D Coverage for You and Your Family Voluntary Life and AD&D coverage is a great way to help your loved ones manage their financial needs in case there
More informationEmployee Life and AD&D Insurance
Employee Life and AD&D Insurance Employee Life and Accidental Death & Dismemberment (AD&D) Insurance provides a source of income to your beneficiary(ies) in the event of your death while you are employed
More informationEmployee 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 informationNWL ACCUMULATOR. A Word to Our Customer. Product Highlights: Payroll Deduction Universal Life Insurance For At Work Employees and their Families
Payroll Deduction Universal Life Insurance For At Work Employees and their Families NWL ACCUMULATOR Policy Form 01-1120-00 and State Variations A Word to Our Customer Product Highlights: Affordable Protection
More informationGroup Voluntary Life Insurance
Group Voluntary Life Insurance For The University of Alabama at Birmingham Answers To Your Questions About Coverage From The Standard Standard Insurance Company Group Voluntary Life Insurance About This
More informationLIFE 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 informationGroup Term Life Insurance
AIG Benefit Solutions Benefits Brochure Group Term Life Insurance A voluntary plan to protect you and your family For the employees of Hallkeen Management Policies issued by: American General Life Insurance
More informationDisability, Life, and Accident Plans
Disability, Life, and Accident Plans Summary Plan Description 2009 and 2010 Union-Represented Employees SPEEA and AMPA The summary plan description (SPD) for this Plan is this booklet. Any benefit changes
More informationMichael 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 informationSection. Group Universal Life Insurance
Section C Group Universal Life Insurance Section Background...C. 1 page Eligibility...C. 1 Effective Date of Coverage...C. 1 Coverage Options for the Member...C. 2 Coverage Increase Opportunity for the
More informationVOLUNTARY GROUP TERM LIFE INSURANCE:
VOLUNTARY GROUP TERM LIFE INSURANCE: This plan offers you and your dependents an excellent opportunity to purchase affordable group term life insurance on a payroll deduction basis. The important plan
More informationCommunity 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 informationZionsville Community School Corporation Policy # 593898
Coverage Highlights Zionsville Community School Corporation Policy # 593898 Please read carefully the following description of your Unum Term Life and AD&D insurance plan. Your Plan Eligibility Coverage
More informationVOLUNTARY GROUP TERM LIFE INSURANCE: GUARANTEED ISSUE:
VOLUNTARY GROUP TERM LIFE INSURANCE: This plan offers you and your dependents an excellent opportunity to purchase affordable group term life insurance on a payroll deduction basis. The important plan
More informationSaint 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 informationGroup 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 informationMcKinney ISD Plan Benefits
McKinney ISD Plan Benefits Explore the coverage that makes it easy to give yourself and your loved ones more security today and in the future. Basic Life and Accidental Death and Dismemberment Insurance
More informationEarning for Today and Saving for Tomorrow. Optional Life Insurance. inspiring possibilities
Earning for Today and Saving for Tomorrow Optional Life Insurance inspiring possibilities In This Summary Optional Life Insurance Plan Summary...2 Plan Highlights...3 Eligibility...4 For You For Your Eligible
More informationU.S. ARMY NAF EMPLOYEE RETIREMENT PLAN
U.S. ARMY NAF EMPLOYEE RETIREMENT PLAN March 2014 INTRODUCTION This booklet is published by the U.S. Army NAF Employee Benefits Office. It is intended to provide you with useful information about the U.S.
More informationGROUP 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 informationSUMMARY OF BENEFITS. Amount One Times Annual Salary rounded to the next higher $1,000. Minimum Amount $10,000. Maximum Amount $100,000
Group Life Insurance SUMMARY OF BENEFITS Life and AD&D Sponsored by: University of Dallas Life Amount One Times Annual Salary rounded to the next higher $1,000 Minimum Amount $10,000 Maximum Amount $100,000
More informationIncome Protection Benefits
Income Protection Benefits McAllen Independent School District Information About You Name: Social Security Number / Employee ID Number: Coverage Effective Date: Date of Birth: Date of Hire: Annual Salary:
More informationHigh Desert & Inland Employee-Employer Trust Policy # 98931
Voluntary Term Life Insurance/AD&D Coverage Highlights APPLE VALLEY UNIFIED SCHOOL DISTRICT DIVISION 002 High Desert & Inland Employee-Employer Trust Policy # 98931 Please read carefully the following
More informationYOUR GROUP LIFE INSURANCE PLAN
YOUR GROUP LIFE INSURANCE PLAN For Employees of Knox County Government and Knox County School Board Knox County Government 6CC000 B-12801 04-11 CONTENTS CERTIFICATION PAGE.............................................
More informationYOUR GROUP LIFE INSURANCE PLAN
YOUR GROUP LIFE INSURANCE PLAN For Employees of Knox County Government and Knox County School Board Knox County Government 6CC000 B-12801 09-14 CONTENTS CERTIFICATION PAGE.............................................
More informationState of Maryland Group Term Life Insurance Answers to your questions about coverage from Standard Insurance Company
State of Maryland Group Term Life Insurance Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY About This Booklet This booklet is designed to answer some
More informationYour Group Life Insurance Benefits Protecting your greatest asset - your family
Page 1 of 6 Basic and Supplemental Term Life Basic and Supplemental Accidental Death and Personal Loss Coverage (AD&D Ultra ) Your Group Life Insurance Benefits Protecting your greatest asset - your family
More informationYOUR GROUP LIFE INSURANCE PLAN
YOUR GROUP LIFE INSURANCE PLAN For Employees of State of North Carolina 6CC000 B-9321 11-04 (electronic) CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE OF BENEFITS...........................................
More informationMultnomah County Policy # 285369
Coverage Highlights Multnomah County Policy # 285369 Please read carefully the following description of your Unum Lifestyle Term Life insurance plan. Your Plan Eligibility Eligibility Date for Application
More informationSchool District of the City of Battle Creek- Administrative Staff Policy # 116823
Coverage Highlights School District of the City of Battle Creek- Administrative Staff Policy # 116823 Please read carefully the following description of your Unum VolunatryTerm Life and AD&D insurance
More informationPolicyholder: 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 information1. If I do not select supplemental or dependent life insurance, what will my coverage be?
Flex FAQs Life Insurance 1. If I do not select supplemental or dependent life insurance, what will my coverage be? If you do not select supplemental or dependent life insurance coverage, you will have
More informationGroup Voluntary Life Insurance
Group Voluntary Life Insurance For Employees of The California State University Standard Insurance Company Voluntary Group Life Insurance About This Brochure This brochure is designed to answer some common
More information