Optional Plan Packages

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Optional Plan Packages"

Transcription

1

2 Optional Plan Packages Additional Benefit Package # 1: In Situ Cancer (25%) Severe Burns (100%) Paralysis (100%) Coronary Artery Bypass (25%) Coma (100%) Additional Benefit Package # 2: Loss of Sight (100%) Loss of Hearing (100%) Loss of Speech (100%) Additional Benefit # 3: Health Screening Benefit ($50) Subject to state availability.

3 Group CriticalCare COVERAGE SPECIFICATIONS Benefit plan(s) Abacus Series Benefit description First diagnosis benefit: Provides a lump-sum payment upon the first diagnosis of a covered critical illness subject to the benefit reduction at age 60 Additional diagnosis Additional benefit upon the diagnosis of a subsequent critical illness condition, for which benefits have not been previously paid, subject to the benefit reduction at 70. There is no time period that must separate the two critical illness conditions. The additional occurrence is payable for the partial benefits of in situ cancer, coronary artery bypass and coma Recurrence If benefits have been paid for a covered condition and subsequently, the insured experiences a reoccurrence of the same condition, the benefit will be paid again. The subsequent diagnosis must occur more than 12 months following the initial diagnosis, subject to the benefit reduction at 70. Recurrence benefit is not payable for the following illness: in situ cancer, organ transplant, coma, coronary artery bypass and loss of sight, speech and hearing. This applies to invasive cancer, stroke, renal failure and heart attack Employee benefit amount $5,000 to $50,000 Dependent spouse benefit amount $5,000 to $50,000 (employee must apply). Dependent child benefit amount 25% of the employee amount (employee must apply); No additional cost Issue ages Employee and spouse: 18 to 69 Dependent child: under 19; to 23 if full-time student. Number of hours worked Actively at work at least 20 hours per week as defined by the employer Group eligibility 10 enrolled employees Guarantee issue (GI) and participation Employer Paid: $5,000 GI with 100% participation Employee Paid Buy-up: $5,000 GI with no participation required Voluntary Employee Paid: Lives - $5,000 GI with 50% participation Lives - $10,000 GI with 40% participation Lives - $15,000 GI with 30% particiption 75+ Lives - $20,000 GI with 25% participation Continuation of coverage when employment terminates Continuation privilege available Continuation ceases at age 70, upon nonpayment of premium or when group policy terminates, and if not in an eligible class Waiting period 30 days from the effective date of coverage Pre-existing condition 12/12, State variations may apply Benefit reduction At age 70, benefit reduces to 50 percent of the original face amount. Rate guarantee Two years This proposal is a summary only of products and services offered. Actual offerings may vary by group size and are subject to state insurance law, and the benefits/provisions as described may vary due to such law. All products are subject to terms, conditions, limitations and exclusions of the policy. The underwriting risks, financial and contractual obligations and support functions associated with the products underwritten by The Abacus Group and issued by American General Life Insurance Company of Delaware are its responsibility. American General Life Insurance Company of Delaware does not solicit business in the state of New York.

4 Group CriticalCare (Employer-Funded Base Plan) Guarantee Issue: $5,000 WEEKLY RATES Primary Insured: Primary Insured and Spouse: or Guarantee Issue: $5,000 WEEKLY RATES Composite Rate - No Census Required $2.25 for $5,000 benefit $4.50 for $5,000 benefit Uni-Smoker - Primary Insured Issue Age 5, (Voluntary Buy-up to Base Plan) Guarantee Issue: $5,000 WEEKLY RATES NO PARTICIPATION REQUIREMENT Primary Insured: $3.15 for $5,000 benefit Primary Insured and Spouse: $6.30 for $5,000 benefit Offered only as an addition to the Employer Funded Base Plan

5 Voluntary (Employee-Paid) Uni-Smoker - Primary Insured Issue Age 5,000 10,000 15,000 20,000 25,000 30,000 35,000 40,000 45,000 50, Uni-Smoker - Primary Insured and Spouse Issue Age 5,000 10,000 15,000 20,000 25,000 30,000 35,000 40,000 45,000 50, Benefit Amounts: $5,000 to $50,000 in $5,000 increments. Dependent coverage is 25% of employee amount. Participation: 10 enrolled Guarantee Issue: Based on Participation Lives: $5,000 with 50% Participation Lives: $10,000 with 40% Participation Lives: $15,000 with 30% Participation 75+ Lives: $20,000 with 25% Participation

6 Pre-Existing Conditions and Limitations (state variations may apply) Benefits under this policy are not payable in connection with a preexisting condition during the initial 12 consecutive months the insured person has been enrolled for coverage under this policy. A critical illness resulting from a pre-existing condition commencing thereafter will be covered unless otherwise excluded from the policy. A pre-existing condition generally means an injury or sickness for which you incurred charges, received medical treatment, consultation, care or services, including diagnostic measures, took prescribed drugs or medicines, or had symptoms for which an ordinarily prudent person would have consulted a physician during the 12 months immediately preceding the coverage effective date under this policy. Exclusions (state variations may apply) This policy does not cover any loss caused in whole or in part by, or resulting in whole or part from the following: The insured person s suicide, or intentional self-inflicted injury or sickness, while sane or insane. The insured person s being under the influence of an excitant, depressant, hallucinogen, narcotic, other drug; or intoxicant including those taken as prescribed by a physician. The insured person s commission of or attempt to commit an assault or felony. The insured person s engaging in an illegal activity or occupation. The insured person s voluntary participation in a riot. Any illness, loss or condition specifically excluded from the definition of any critical illness. War, whether declared or not, however this does not include loss due to terrorism. Balloon angioplasty, laser relief of an obstruction, and/or other intraarterial procedure. Any injury or sickness covered under any state or federal workers compensation, employer s liability law or similar law. Policy issued by: American General Life Insurance Company of Delaware Wilmington, Delaware Policy Form Number GCI American General Life Companies, is the marketing name for the insurance companies and affiliates comprising the domestic life operations of American International Group, Inc., including American General Life Insurance Company of Delaware. American General Life Companies insurers offer a broad spectrum of life insurance, fixed annuities, accident and health products and worksite benefits to serve the financial and estate planning needs of customers throughout the United States. The underwriting risks, financial and contractual obligations and support functions associated with products issued by American General Life Insurance Company of Delaware are its responsibility. American General Life Insurance Company of Delaware does not solicit business in the state of New York. Policies are not available in all states. This is a summary only of products and services offered. Actual offerings may vary by group size and are subject to state insurance law, and the benefits/provisions as described may vary due to such law. All products are subject to the terms, conditions, limitations and exclusions of the policy. Please see policy and certificate for details All rights reserved FILL R02/11

American Heritage Life Insurance Company

American Heritage Life Insurance Company Benefits Specified Critical Illness Benefit Primary insured: $25,000 The policy pays the following benefits for covered illnesses subject to the conditions below along with the Exclusions and Limitations

More information

Insurance? Covered Illnesses: Heart Attack (100%) Stroke (100%) Bypass Surgery (25%) Organ Transplant (100%) Coma (100%) Renal Failure (100%)

Insurance? Covered Illnesses: Heart Attack (100%) Stroke (100%) Bypass Surgery (25%) Organ Transplant (100%) Coma (100%) Renal Failure (100%) Why Do I Need BenefitsDirect s Critical Illness? Heart disease is the leading cause of death in the United States and strokes affect about 795,000 people each year, according to the American Heart Association.

More information

For the Employees of the Santa Barbara County Superior Courts. Critical Illness Insurance. A limited benefit policy

For the Employees of the Santa Barbara County Superior Courts. Critical Illness Insurance. A limited benefit policy For the Employees of the Santa Barbara County Superior Courts Critical Illness Insurance A limited benefit policy A critical illness isn t polite. It doesn t announce its presence before barging into your

More information

For the employees of Spring Independent School District. Critical Illness Insurance A limited benefit policy

For the employees of Spring Independent School District. Critical Illness Insurance A limited benefit policy For the employees of Spring Independent School District Critical Illness Insurance A limited benefit policy Consider the following: A critical illnesses can derail your life. It can keep you from working.

More information

For the Employees of City of San Jose. Critical Illness Insurance A limited benefit policy

For the Employees of City of San Jose. Critical Illness Insurance A limited benefit policy For the Employees of City of San Jose Critical Illness Insurance A limited benefit policy Consider the following: In the United States, someone has a coronary event, on average, every 34 seconds. For strokes,

More information

For the Employees of County of Santa Barbara. Critical Illness Insurance A limited benefit policy

For the Employees of County of Santa Barbara. Critical Illness Insurance A limited benefit policy For the Employees of County of Santa Barbara Critical Illness Insurance A limited benefit policy Consider the following: In the United States, someone has a heart attack, on average, every 34 seconds.1

More information

For the Employees of Stanislaus County. Critical Illness Insurance A limited benefit policy

For the Employees of Stanislaus County. Critical Illness Insurance A limited benefit policy For the Employees of Stanislaus County Critical Illness Insurance A limited benefit policy Consider the following: In the United States, someone has a coronary event, on average, every 34 seconds. For

More information

Accident Expense Plus

Accident Expense Plus ABOUT 41 MILLION ARE TREATED IN HOSPITAL EMERGENCY ROOMS FOR TRAUMA EACH YEAR. 1 Think you re covered? Major medical could leave you with more expenses than you can afford. Accident Expense Plus Accidental

More information

For the Employees of Deer Park Independent School District. Critical Illness Insurance A limited benefit policy

For the Employees of Deer Park Independent School District. Critical Illness Insurance A limited benefit policy For the Employees of Deer Park Independent School District Critical Illness Insurance A limited benefit policy Consider the following: In the United States, someone has a heart attack, on average, every

More information

Critical Illness Direct

Critical Illness Direct Critical Illness Direct Insurance that pays you, not your provider A critical illness can strike suddenly and disrupt your daily life in ways that are both physical and financial. While it is important

More information

AG Accident Choice Plus SM

AG Accident Choice Plus SM CLIENT Guide AG Accident Choice Plus SM Accidental Injury Insurance Did you know? More than 60% of all bankruptcies in America are medical-related. 1 About 1 out of every 9 Americans seek medical attention

More information

An Ounce of Prevention

An Ounce of Prevention VOLUNTARY BENEFITS CRITICAL ASSISTANCE P L U S CRITICAL ILLNESS INSURANCE Underwritten by Transamerica Life Insurance Company, Cedar Rapids, Iowa. An Ounce of Prevention Critical illness lump-sum benefits,

More information

For the Employees of Amarillo Independent School District. Critical Illness Insurance. A limited benefit policy

For the Employees of Amarillo Independent School District. Critical Illness Insurance. A limited benefit policy For the Employees of Amarillo Independent School District Critical Illness Insurance A limited benefit policy A critical illness isn t polite. It doesn t announce its presence before barging into your

More information

What c. a criticaith. to you?

What c. a criticaith. to you? What c living w an a criticaith l illness mean to you? Da i l y o u t- o f- p ocket e the dis xpense ease w s fo r f i g hile sti hting l l p ay i n g yo u r bills! GROCE RIES CAR HOME PRESC RIPTIO NS

More information

Cancer Insurance. Provides Lump Sum Benefits For First Diagnosis of Cancer. Loyal American Supplemental Series SM

Cancer Insurance. Provides Lump Sum Benefits For First Diagnosis of Cancer. Loyal American Supplemental Series SM Loyal American Supplemental Series SM Cancer Insurance Provides Lump Sum Benefits For First Diagnosis of Cancer Including Our Cancer Recurrence Benefit And Options for Added Flexibility LOYAL-7-0001-BRO-GN

More information

CriticalCare Plus. Policies issued by American General Life Insurance Company (AGL), a member company of American International Group, Inc.

CriticalCare Plus. Policies issued by American General Life Insurance Company (AGL), a member company of American International Group, Inc. CriticalCare Plus Policies issued by American General Life Insurance Company (AGL), a member company of American International Group, Inc. (AIG) A critical illness at any age is real. The benefits of CriticalCare

More information

Program Guide. >ŝĩğ^žƶƌđğ ŝƌğđƚ.com Now Provides Accident Protection

Program Guide. >ŝĩğ^žƶƌđğ ŝƌğđƚ.com Now Provides Accident Protection Program Guide >ŝĩğ^žƶƌđğ ŝƌğđƚ.com Now Provides Accident Protection Accident, Critical Illness, Cancer, Accidental Death & Dismemberment, Hospital Indemnity, Funeral Expense and Bereavement Counseling

More information

The policy described in this Outline of Coverage provides supplemental coverage and will be issued only to supplement insurance already in force.

The policy described in this Outline of Coverage provides supplemental coverage and will be issued only to supplement insurance already in force. AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS (AFLAC) Worldwide Headquarters 1932 WYNNTON ROAD COLUMBUS, GEORGIA 31999 TOLL-FREE 1-800-99-AFLAC (1-800-992-3522) The policy described in this Outline

More information

Select The STD Plan That Best Meets Your Needs PLAN BENEFITS. Maximum Weekly Benefit. % Earnings Payable. Benefit Duration Accident or Sickness

Select The STD Plan That Best Meets Your Needs PLAN BENEFITS. Maximum Weekly Benefit. % Earnings Payable. Benefit Duration Accident or Sickness Select The STD Plan That Best Meets Your Needs PLAN FEATURES j Benefit Level Pays 70% of weekly earnings. j Benefit Duration Duration of benefits is the number of weeks for which an insured can receive

More information

Accent. Communicating for America. Membership that provides cash benefits when you need them Critical illness Accident

Accent. Communicating for America. Membership that provides cash benefits when you need them Critical illness Accident Communicating for America Accent Membership that provides cash benefits when you need them Critical illness Accident Accent is membership in Communicating for America, Inc. that includes a package of insurance

More information

MedGuard Critical Illness Insurance

MedGuard Critical Illness Insurance MedGuard Critical Illness Insurance Exclusively marketed by: TM MedGuard-BR-FL-FLIC-0410 Quality Coverage When You Need It Most MedGuard Although nobody likes to think about it, the possibility of being

More information

Out-of-pocket expenses Prescriptions Experimental procedures Living expenses Lost wages

Out-of-pocket expenses Prescriptions Experimental procedures Living expenses Lost wages Metal Gap Underwritten by Madison National Life Insurance Company, Inc., a Wisconsin insurance company. Madison National Life Insurance Company, Inc. is a member of The IHC Group, an insurance organization

More information

AG Accident Choice Plus

AG Accident Choice Plus ABOUT 41 MILLION ARE TREATED IN HOSPITAL EMERGENCY ROOMS FOR TRAUMA EACH YEAR. 1 Think you re covered? Major medical could leave you with more expenses than you can afford. AG Accident Choice Plus Accidental

More information

NEW or IMPORTANT CHANGES FOR 2013-2014

NEW or IMPORTANT CHANGES FOR 2013-2014 Yorktown Independent School District IMPORTANT BENEFIT INFORMATION Section 125 Plan Enrollment will be Wednesday, October 23, 2013. A new Benefit Election agreement must be signed by each employee for

More information

Critical Illness Insurance

Critical Illness Insurance Choosing to plan for sudden illness Can your finances survive a serious illness? Maybe it s happened to someone you know. A sudden illness such as a heart attack or stroke with devastating physical and

More information

100% YOU LUMP SUM BENEFITS TO HELP YOU STAY. CANCER and HEART ATTACK & STROKE with SPECIFIED DISEASE option

100% YOU LUMP SUM BENEFITS TO HELP YOU STAY. CANCER and HEART ATTACK & STROKE with SPECIFIED DISEASE option Cigna Supplemental Solutions Insured by Loyal American Life Insurance Company Critical Choice Insurance Policies for TEXAS CANCER and HEART ATTACK & STROKE with SPECIFIED DISEASE option LUMP SUM BENEFITS

More information

MedGuard Critical Illness Insurance

MedGuard Critical Illness Insurance MedGuard Critical Illness Insurance Exclusively marketed by: TM MedGuard-BR-TX-FLIC-1012 Quality Coverage When You Need It Most Although nobody likes to think about it, the possibility of being diagnosed

More information

CRITICAL ILLNESS INSURANCE for the Employees of Kellogg Community College

CRITICAL ILLNESS INSURANCE for the Employees of Kellogg Community College CRITICAL ILLNESS INSURANCE for the Employees of Kellogg Community College Eligibility How Much Can You Buy? Guaranteed Issue Covered Conditions and Benefit Amount Percentage Offered by Life Insurance Company

More information

PRODUCT SPECIFICATIONS. GROUP LONG-TERM DISABILITY INSURANCE Employer-Funded and Employee-Paid Plans

PRODUCT SPECIFICATIONS. GROUP LONG-TERM DISABILITY INSURANCE Employer-Funded and Employee-Paid Plans PRODUCT SPECIFICATIONS GROUP LONG-TERM DISABILITY INSURANCE Employer-Funded and Employee-Paid Plans Whether due to accident or illness, an extended absence from work can put significant strain on an employee

More information

CERTIFICATE TERMS AND CONDITIONS

CERTIFICATE TERMS AND CONDITIONS CERTIFICATE TERMS AND CONDITIONS We, us, our or Industrial Alliance means Industrial Alliance Insurance and Financial Services Inc. ( Industrial Alliance ). You or your means the Insured. We agree, under

More information

PRODUCT SPECIFICATIONS. GROUP SHORT-TERM DISABILITY INSURANCE Employer-Funded and Employee-Paid Plans

PRODUCT SPECIFICATIONS. GROUP SHORT-TERM DISABILITY INSURANCE Employer-Funded and Employee-Paid Plans PRODUCT SPECIFICATIONS GROUP SHORT-TERM DISABILITY INSURANCE Employer-Funded and Employee-Paid Plans We all get sick and miss a day or two of work, but sometimes an accident or illness can keep us away

More information

Lincoln Critical Illness Insurance Plan Highlights

Lincoln Critical Illness Insurance Plan Highlights Lincoln Critical Illness Insurance Plan Highlights Surviving a critical illness is becoming more common today thanks to advances in medicine. With Critical Illness Insurance benefits from Lincoln Financial

More information

Doctors of BC Critical Illness Insurance

Doctors of BC Critical Illness Insurance Doctors of BC Critical Illness Insurance CI Critical Illness Insurance Have greater control over the impact a serious illness may have on your life. As a doctor, you ve likely witnessed patients trying

More information

PRODUCT SPECIFICATIONS. GROUP TERM LIFE INSURANCE Employer-Funded and Employee-Paid Plans

PRODUCT SPECIFICATIONS. GROUP TERM LIFE INSURANCE Employer-Funded and Employee-Paid Plans PRODUCT SPECIFICATIONS GROUP TERM LIFE INSURANCE Employer-Funded and Employee-Paid Plans Providing life insurance is a time-honored way for employers to help employees protect their families from the financial

More information

Group Critical Illness Insurance Provides lump-sum cash benefits that can help with daily expenses

Group Critical Illness Insurance Provides lump-sum cash benefits that can help with daily expenses What can living with a critical illness mean to you? Daily out-of-pocket expenses for fighting the disease while still paying your bills! GROCERIES CAR HOME PRESCRIPTIONS Group Critical Illness Insurance

More information

Compass Critical Illness Insurance A limited benefit policy

Compass Critical Illness Insurance A limited benefit policy Compass Critical Illness Insurance A limited benefit policy Enrollment at a Glance An affordable way to help protect against the financial stress of a serious illness. For the employees of: Clean Harbors

More information

12505-645820-BROKERED

12505-645820-BROKERED Voluntary Life Insurance Standard Insurance Company has developed this document to provide you with information about the optional coverage you may select through your employer. Written in non-technical

More information

Voluntary Life Insurance SUMMARY OF BENEFITS

Voluntary Life Insurance SUMMARY OF BENEFITS Voluntary Life Insurance SUMMARY OF BENEFITS Sponsored by: Educational Service Center of Central Ohio Life Benefit Employee Spouse Dependent Amount Choice of $10,000 increments Not to exceed 5 times your

More information

Basic & Voluntary Term Life, Basic & Voluntary Personal Accident Insurance Overview Prepared for the employees of Hardy Diagnostics

Basic & Voluntary Term Life, Basic & Voluntary Personal Accident Insurance Overview Prepared for the employees of Hardy Diagnostics Basic & Voluntary Term Life, Basic & Voluntary Personal Accident Insurance Overview Prepared for the employees of Hardy Diagnostics Basic Term Life Insurance Coverage paid by your employer What would happen

More information

Income Protection Plan An Accident-Only Disability Income Insurance Plan. Income Protection Plus Plan

Income Protection Plan An Accident-Only Disability Income Insurance Plan. Income Protection Plus Plan Income Protection Plan An Accident-Only Disability Income Insurance Plan Income Protection Plus Plan An Accident & Illness Disability Income Insurance Plan M IP_P B 110_110 HealthMarkets is the brand name

More information

Group Critical Illness Insurance

Group Critical Illness Insurance What can living with a critical illness mean to you? Daily out-of-pocket expenses for fighting the disease while still paying your bills! GROCERIES GROCERIES CAR HOME PRESCRIPTIONS HOME RESCRIPTIONS Group

More information

W A S H I N G T O N N A T I O N A L WORKSITE. critical illness W2-BR-ER

W A S H I N G T O N N A T I O N A L WORKSITE. critical illness W2-BR-ER W A S H I N G T O N N A T I O N A L WORKSITE critical illness W2-BR-ER More people today are surviving critical illnesses like cancer, heart disease and stroke. But many of the costs to diagnose and treat

More information

Employee Critical Illness Option

Employee Critical Illness Option ECIO Employee Critical Illness Option Financial Protection for the Unexpected Includes Cancer Benefit First Occurrence Additional Occurrence Reoccurrence Spouse Coverage Available Child Coverage at No

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

American Fidelity Assurance Company s. AF Critical Choice. Limited Benefit Critical Illness Insurance. Financial Protection is a Choice

American Fidelity Assurance Company s. AF Critical Choice. Limited Benefit Critical Illness Insurance. Financial Protection is a Choice American Fidelity Assurance Company s AF Critical Choice Limited Benefit Critical Illness Insurance Financial Protection is a Choice Critical Illness Surviving a critical illness can come at a high price.

More information

Take charge now! Lincoln Critical Illness Insurance. Employee Guide GROUP BENEFITS. The Lincoln National Life Insurance Company ENR-CUYA-BRC002

Take charge now! Lincoln Critical Illness Insurance. Employee Guide GROUP BENEFITS. The Lincoln National Life Insurance Company ENR-CUYA-BRC002 Take charge now! Lincoln Critical Illness Insurance Employee Guide The Lincoln National Life Insurance Company GROUP BENEFITS ENR-CUYA-BRC002 Lincoln Critical Illness Insurance Money to help you focus

More information

EMPLOYEE BENEFITS LIFE INSURANCE PLAN

EMPLOYEE BENEFITS LIFE INSURANCE PLAN EMPLOYEE BENEFITS LIFE INSURANCE PLAN AXA China Region offers:- Security for the dependants of your employees Low cost life insurance cover Benefit payable for death from any cause Competitive rates Efficient

More information

Group LONG-term disability Insurance. Employer-Funded and Employee-Paid Plans

Group LONG-term disability Insurance. Employer-Funded and Employee-Paid Plans Group LONG-term disability Insurance by american general Employer-Funded and Employee-Paid Plans product specifications Whether due to accident or illness, an extended absence from work can put significant

More information

Critical Illness Insurance

Critical Illness Insurance Critical Illness Insurance Surviving a critical illness, such as a heart attack or stroke, can come at a high price. With advances in technology to treat these diseases, the cost of treatment rises more

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 Critical Illness Insurance

Group Critical Illness Insurance Group Critical Illness Insurance 145 Wellington Street West Toronto, Ontario, M5J 1H8 www.chartisinsurance.com Overview Chartis Insurance is happy to bring you this versatile Group Critical Illness plan

More information

Critical Illness Insurance

Critical Illness Insurance Critical Illness Insurance from Allstate Benefits Benefits are paid for you and covered family members Protection for out-of-pocket expenses upon a positive diagnosis CHOOSE You choose the benefits to

More information

Voluntary Term Life, Voluntary Personal Accident Insurance Overview

Voluntary Term Life, Voluntary Personal Accident Insurance Overview Voluntary Term Life, Voluntary Personal Accident Insurance Overview Prepared for the employees of Westminster College Voluntary Term Life Insurance Coverage paid by you What would happen to your family

More information

Other Coverage Features

Other Coverage Features Voluntary Term Life Insurance Overview Prepared for the employees of BenefitMall Voluntary Term Life Insurance Coverage paid by you What would happen to your family if you and your income were gone? Could

More information

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

Basic & Voluntary Term Life, Basic & Voluntary Personal Accident Insurance Overview Basic & Voluntary Term Life, Basic & Voluntary Personal Accident Insurance Overview Prepared for the employees of Lane Community College Basic Term Life Insurance Coverage What would happen to your family

More information

AF Critical Choice. Limited Benefit Critical Illness Insurance AMERICAN FIDELITY ASSURANCE COMPANY

AF Critical Choice. Limited Benefit Critical Illness Insurance AMERICAN FIDELITY ASSURANCE COMPANY AMERICAN FIDELITY ASSURANCE COMPANY Wellness Benefit Benefits Paid Directly to You Excellent Customer Service Learn More» AF Critical Choice Limited Benefit Critical Illness Insurance Surviving a Critical

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

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

CRITICAL ILLNESS BASE COVERAGE

CRITICAL ILLNESS BASE COVERAGE Prepared for: AFG Schools Group ID: AFGSCHOOL Quote Sequence: 100 Proposed Effective Date: 9/1/2013 Lincoln Critical Illness Insurance Plan Highlights Surviving a critical illness is becoming more common

More information

Group Optional Life Insurance and Voluntary Accidental Death and Dismemberment Insurance

Group Optional Life Insurance and Voluntary Accidental Death and Dismemberment Insurance Group Optional Life Insurance and Voluntary Accidental Death and Dismemberment Insurance For University of Alaska Employees Standard Insurance Company Group Optional Life Insurance Group Accidental Death

More information

THE STANDARD LIFE AND AD&D INSURANCE

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

More information

Group Critical Illness Insurance Provides lump-sum cash benefits that can help with daily expenses

Group Critical Illness Insurance Provides lump-sum cash benefits that can help with daily expenses What can living with a critical illness mean to you? Daily out-of-pocket expenses for fighting the disease while still paying your bills! GROCERIES CAR HOME PRESCRIPTIONS Benefit coverage for Cobb County

More information

Additional Life Coverage Highlights Johnson County Community College

Additional Life Coverage Highlights Johnson County Community College Additional Life and Accidental Death and Dismemberment (AD&D) Insurance Standard Insurance Company has developed this document to provide you with information about the optional coverage you may select

More information

Group Life And AD&D Insurance Coverage

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

More information

$100 or 10% $100 or 10%

$100 or 10% $100 or 10% Voluntary Long Term Disability (LTD) Insurance Long Term Disability insurance is designed to pay a monthly benefit to you in the event you cannot work because of a covered illness or injury. This benefit

More information

Voluntary Supplemental Long Term Disability Plan

Voluntary Supplemental Long Term Disability Plan PRUDENTIAL S GROUP INSURANCE Voluntary Supplemental Long Term Disability Plan Southern Illinois University #92822 Issued by The Prudential Insurance Company of America 0172180 Get Peak Protection for You

More information

Group Critical Illness Insurance

Group Critical Illness Insurance What can living with a critical illness mean to you? Daily out-of-pocket expenses for fighting the disease while still paying your bills! GROCERIES CAR HOME PRESCRIPTIONS Group Critical Illness Insurance

More information

American General LTC SM Insurance and Critical Illness PlusSM

American General LTC SM Insurance and Critical Illness PlusSM Bob Clancy, CLTC National Director Sales Development LTCi & A&H American General LTC SM Insurance and Critical Illness PlusSM FOR AGENT USE ONLY NOT FOR DISSEMINATION TO THE PUBLIC 0 It s not your classic

More information

Voluntary Term Life Insurance Overview

Voluntary Term Life Insurance Overview Voluntary Term Life Insurance Overview Prepared for the employees of The Columbus Organization Voluntary Term Life Insurance Coverage paid by you What would happen to your family if you and your income

More information

SUMMARY OF BENEFITS. Amount One Times Annual Salary rounded to the next higher $1,000. Minimum Amount $10,000. Maximum Amount $100,000

SUMMARY 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 information

Income Protection Plan An Accident-Only Disability Income Insurance Plan

Income Protection Plan An Accident-Only Disability Income Insurance Plan Income Protection Plan An Accident-Only Disability Income Insurance Plan Income Protection Plus Plan An Accident & Illness Disability Income Insurance Plan M IP_P IP B 110_110 HealthMarkets is the brand

More information

Voluntary Term Life and AD&D Insurance

Voluntary Term Life and AD&D Insurance Voluntary Term Life and AD&D Insurance Prepared for the employees of Xavier University Voluntary Term Life Insurance Coverage What would happen to your family if you and your income were gone? - Could

More information

Group Critical Illness Insurance Provides lump-sum cash benefits that can help with daily expenses

Group Critical Illness Insurance Provides lump-sum cash benefits that can help with daily expenses What can living with a critical illness mean to you? Daily out-of-pocket expenses for fighting the disease while still paying your bills! GROCERIES CAR HOME PRESCRIPTIONS Benefit coverage for A Plus Benefits

More information

Symbility Health Adjudicare Group Insurance Plan Outline

Symbility Health Adjudicare Group Insurance Plan Outline Symbility Health Adjudicare Group Insurance Plan Outline 2013 Symbility Solutions Inc. Who is Eligible? All Eligible Employees under the age of 65, working a minimum average of 15 hours per week are Eligible

More information

VI. Long-Term Disability Program Table of Contents

VI. Long-Term Disability Program Table of Contents VI. Long-Term Disability Program Table of Contents About This Section...1 An Overview of the Long-Term Disability Program...2 Definition of Disability...2 Long-Term Disability Benefit Options...2 Basic

More information

VOLUNTARY SUPPLEMENTAL LONG TERM DISABILITY PLAN

VOLUNTARY SUPPLEMENTAL LONG TERM DISABILITY PLAN VOLUNTARY SUPPLEMENTAL LONG TERM DISABILITY PLAN Chicago State University #50563 Eastern Illinois University #93024 Governors State University #92820 Illinois State University #92821 Northeastern Illinois

More information

Voluntary Life Insurance Coverage paid by you

Voluntary Life Insurance Coverage paid by you Voluntary Life Insurance Coverage paid by you Employee All active, full-time U.S. Employees regularly working a minimum of 30 hours per week. Benefit Amount Units of $10,000 to $500,000, not to exceed

More information

Disability Income Choice at Work ACCIDENT ONLY DISABILITY INCOME INSURANCE

Disability Income Choice at Work ACCIDENT ONLY DISABILITY INCOME INSURANCE Mutual of Omaha Insurance Company Disability Income Choice at Work ACCIDENT ONLY DISABILITY INCOME INSURANCE MC35420 T DI Choice at Work The paycheck you earn helps you build the life you want for your

More information

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

Maximum Postdoc $10,000 $10,000 $150,000 $500,000 Additional Life and Accidental Death and Dismemberment (AD&D) Insurance Life insurance coverage can help your family meet daily expenses, maintain their standard of living, pay off debt, secure your children

More information

Group Critical Illness Insurance Provides lump-sum cash benefits that can help with daily expenses

Group Critical Illness Insurance Provides lump-sum cash benefits that can help with daily expenses What can living with a critical illness mean to you? Daily out-of-pocket expenses for fighting the disease while still paying your bills! GROCERIES CAR HOME PRESCRIPTIONS Benefit coverage for Medical Solutions,

More information

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

Additional Life Insurance with AD&D Coverage Highlights The Salvation Army Accidental Death and Dismemberment (AD&D) Standard Insurance Company has developed this document to provide you with information about the optional coverage you may select through. Written in non-technical

More information

Group Critical Illness Insurance Provides lump-sum cash benefits that can help with daily expenses

Group Critical Illness Insurance Provides lump-sum cash benefits that can help with daily expenses What can living with a critical illness mean to you? Daily out-of-pocket expenses for fighting the disease while still paying your bills! GROCERIES CAR HOME PRESCRIPTIONS Group Critical Illness Insurance

More information

Small Business Solutions Life and Disability Insurance Options

Small Business Solutions Life and Disability Insurance Options Small Business Solutions Life and Disability Insurance Options North Carolina Underwritten by Aetna Life Insurance Company. 14.02.925.1-NC A (9/07) Aetna Life and Disability The streamlined Life and Disability

More information

outlined in the conversion brochure which may be requested as needed. Premiums may change at this time.

outlined in the conversion brochure which may be requested as needed. Premiums may change at this time. Basic Term Life and Accident Insurance Overview Prepared for the employees of Ukpeagvik Inupiat Corporation Basic Term Life Insurance Coverage paid by your employer What would happen to your family if

More information

why? 75 percent The percentage of healthy individuals over age 40 who will become critically ill at some time in the future. 3

why? 75 percent The percentage of healthy individuals over age 40 who will become critically ill at some time in the future. 3 Elite coverage can help protect your savings. USAble Life s 1 coverage helps protect your family from the financial impact that can occur as the result of a heart attack, stroke or even cancer by providing

More information

Small Business Solutions Life and Disability Insurance Options

Small Business Solutions Life and Disability Insurance Options Small Business Solutions Life and Disability Insurance Options Georgia 14.02.925.1-GA (12/05) Aetna Life and Disability The streamlined Life and Disability package includes a range of flat dollar insurance

More information

critical illness What can living with a mean to you? Daily out-of-pocket expenses for fighting the disease while still paying your bills!

critical illness What can living with a mean to you? Daily out-of-pocket expenses for fighting the disease while still paying your bills! PROTECTION solutions What can living with a critical illness mean to you? FOR SALE mortgage doctor prescriptions Daily out-of-pocket expenses for fighting the disease while still paying your bills! On

More information

The Standard Life Insurance Company of New York Voluntary Long Term Disability Coverage Highlights Teachers College, Columbia University

The Standard Life Insurance Company of New York Voluntary Long Term Disability Coverage Highlights Teachers College, Columbia University Voluntary Long Term Disability (LTD) Insurance Long Term Disability insurance is designed to pay a monthly benefit to you in the event you cannot work because of a covered illness or injury. This benefit

More information

Individual Living Benefits Product Portfolio. Personal income, lifestyle and business protection

Individual Living Benefits Product Portfolio. Personal income, lifestyle and business protection Individual Living Benefits Product Portfolio Personal income, lifestyle and business protection PROFESSIONAL MARKET The Professional Series policy OBJECTIVE n Provides non-cancellable coverage that includes

More information

VOLUNTARY SUPPLEMENTAL LONG TERM DISABILITY PLAN

VOLUNTARY SUPPLEMENTAL LONG TERM DISABILITY PLAN VOLUNTARY SUPPLEMENTAL LONG TERM DISABILITY PLAN University of Illinois #92630 Effective October 1, 2014 The Prudential Insurance Company of America, Newark, NJ 10/2014 0209015-00002-00 1 DISABILITY INSURANCE

More information

Aflac Lump Sum Critical Illness

Aflac Lump Sum Critical Illness Aflac Lump Sum Critical Illness LIMITED BENEFIT HEALTH INSURANCE We ve been dedicated to helping provide peace of mind and financial security for nearly 60 years. Lump sum critical illness LIMITED BENEFIT

More information

100% YOU. benefits to help you stay. CANCER and HEART ATTACK & STROKE Insurance Policies for TEXAS

100% YOU. benefits to help you stay. CANCER and HEART ATTACK & STROKE Insurance Policies for TEXAS Cigna Supplemental Solutions Insured by Loyal American Life Insurance Company Flexible Choice CANCER and HEART ATTACK & STROKE Insurance Policies for TEXAS benefits to help you stay YOU lump sum BENEFITS

More information

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

Monthly Cost for Voluntary Accidental Death & Dismemberment (AD&D) Insurance: UMB Financial Corporation Plan Benefits Explore the coverage that makes it easy to give yourself and your loved ones more security today and in the future. Voluntary Accidental Death and Dismemberment

More information

Group Disability Income Insurance Enrollment at a Glance Protection that provides benefits and access to expert resources during a difficult time.

Group Disability Income Insurance Enrollment at a Glance Protection that provides benefits and access to expert resources during a difficult time. Group Disability Income Insurance Enrollment at a Glance Protection that provides benefits and access to expert resources during a difficult time. For the employees of: Shelby County Government What is

More information

VOLUNTARY SUPPLEMENTAL LONG TERM DISABILITY PLAN

VOLUNTARY SUPPLEMENTAL LONG TERM DISABILITY PLAN VOLUNTARY SUPPLEMENTAL LONG TERM DISABILITY PLAN Chicago State University #50563 Eastern Illinois University #93024 Governors State University #92820 Illinois State University #92821 Northeastern Illinois

More information

Group Critical Illness Insurance Provides lump-sum cash benefits that can help with daily expenses

Group Critical Illness Insurance Provides lump-sum cash benefits that can help with daily expenses What can living with a critical illness mean to you? Daily out-of-pocket expenses for fighting the disease while still paying your bills! GROCERIES CAR HOME PRESCRIPTIONS Benefit coverage for Catholic

More information

Short-Term Disability

Short-Term Disability American Fidelity Assurance Company s Short-Term Disability Income Insurance Plan Designed Specifically For: New Mexico Schools Plan Highlights s are paid directly to you, not to a doctor or your employer.

More information

Short-Term Disability

Short-Term Disability AMERICAN FIDELITY ASSURANCE COMPANY S Short-Term Disability Income Insurance Plan Designed Specifically For: Kansas Educators Plan Highlights s are paid directly to you, not to a doctor or your employer.

More information

METROPOLITAN LIFE INSURANCE COMPANY 200 PARK AVENUE, NEW YORK, NEW YORK 10166-0188

METROPOLITAN LIFE INSURANCE COMPANY 200 PARK AVENUE, NEW YORK, NEW YORK 10166-0188 METROPOLITAN LIFE INSURANCE COMPANY 200 PARK AVENUE, NEW YORK, NEW YORK 10166-0188 POLICYHOLDER: NORFOLK PUBLIC SCHOOLS Group Policy Form No: GPNP04-CI (Referred to herein as the Group Policy ) Certificate

More information

Life Insurance Plan. for. Full-Time Appointed. Employees. IndianaUniversity. University Human Resource Services Effective January 1, 2004

Life Insurance Plan. for. Full-Time Appointed. Employees. IndianaUniversity. University Human Resource Services Effective January 1, 2004 Life Insurance Plan for Full-Time Appointed Employees of IndianaUniversity University Human Resource Services Effective January 1, 2004 This booklet is designed to summarize the group Life Insurance Plan

More information