A Special Lloyd s of London Lump Sum Disability Program

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "A Special Lloyd s of London Lump Sum Disability Program"

Transcription

1 A Special Lloyd s of London Lump Sum Disability Program

2 How the Plan Works You will be paid up to $1,000,000 in lump sum cash if an accident or illness prevents you from performing the substantial and material duties of your regular occupation or specialty for 12 months and you are not expected to be able to perform those duties in the future.* After 12 months of total disability $1,000,000 Your bank account *See the Q&A for all of the details. 1

3 Other Important Features and Benefits You can buy your benefit without a medical examination or the need to answer medical questions if you have been actively at work for the past 180 days and have not received disability benefits in the past five years. You can buy your benefit in addition to your in-force disability insurance and it will not be offset or reduced by payments from that insurance. Your premiums are guaranteed for five years. You can purchase either a $500,000, $750,000 or $1,000,000 benefit. The $1,000,000 benefit is underwritten by Lloyd s of London which has exceptionally high Financial Ratings. Standard & Poor s A+ Excellent Fitch A+ Excellent A.M. Best A Excellent 2

4 Questions and Answers 1. What is the purpose of the Lump Sum Plan? The purpose of the Plan is to provide you with up to an additional $1,000,000 of disability insurance benefits to help you maintain your standard of living and that of your family if you become disabled, and to enable you to continue contributions to your retirement programs. 2. How much can I purchase? $500,000, $750,000 or $1,000,000 of lump sum benefits. 3. When is the benefit payable? When you are Permanently and Totally Disabled and the 12-month Elimination Period has been met. 4. What does Permanently and Totally Disabled mean? That as a result of a covered injury or sickness, you are permanently and totally unable to perform the substantial and material duties of your practice or specialty, as shown on your policy certificate for 12 months; you are not expected to be able to perform those same duties for the remainder of your lifetime; and you are under the regular care of a physician that is appropriate for the condition causing the disability. 5. What happens if there is a claims dispute? As part of the proof of Permanent Total Disability there must be included a certification from a physician that the Insured Person has suffered Permanent Total Disability as defined in the Certificate. In the event that Underwriters determine that it has not been demonstrated the Insured Person is Permanently Totally Disabled, then the question of Permanent Total Disability will be subject to the approval of two independent referees. One referee shall be an independent legally qualified physician or surgeon, chosen by the Underwriters, and the second referee shall be an independent expert of recognized standing in the occupation (as stated in the Schedule) of the Insured Person and shall be chosen by the Assured. The referees shall have the authority to decide solely whether the Insured Person s Total Disability is Permanent as defined in this Certificate. The referees are not to decide any other aspect concerning the validity of the claim. The decision of the two referees will be binding upon all parties. In the event that the two referees fail to agree, then they will appoint an Umpire whose decision will be final and binding upon all parties. 3

5 6. What are some examples of how the definition of disability works? A physician has Parkinson s and can no longer conduct the daily activities of his practice. The claim will be paid as it is not expected he will be able to continue his practice due to the effects of the disease. A dermatologist has a serious stroke and can no longer practice. If the residual effects of the stroke such as a partial paralysis of an arm or leg, or the inability to speak clearly are expected to prevent her from ever performing the substantial and material duties of her specialty, the claim will be paid. A surgeon loses the use of his hand in an accident. He will be paid because he will never be able to perform the duties of a surgeon. A surgeon suffers from Multiple Sclerosis and is no longer able to operate, but can still teach and provide cognitive professional services. She will be paid because she is not expected to be able to practice in her specialty as a surgeon even though she can work in another occupation. These are hypothetical claims examples to demonstrate what Permanently and Totally Disabled means. All claims will be decided in terms of their actual conditions and circumstances. 7. Will the $1,000,000 benefit be reduced or offset by payments I may receive from other disability insurance policies that I own? No. 8. Can I buy my benefit in addition to the disability insurance I now own? Yes. 9. Should I replace any of my existing disability with this policy? No, the policy is designed to be used to supplement your existing coverage, not replace it. 10. How do I qualify for guaranteed issue? To qualify for guaranteed issue, you must have been actively at work full-time in your practice for 180 days preceding the open enrollment period, have annual net earnings of at least $100,000, and have not been paid disability benefits in the past five years. 4

6 11. Do I have to be U.S. Citizens to be eligible for this coverage? No. 12. If I am disabled outside of the continental United States am I covered? Yes, protection is worldwide, 24/ Are premiums waived after I become disabled? Premiums are due during the 12-month period after the start of a disability. At the end of the 12 months when you have been paid your lump sum benefit, all of the premiums paid during this 12-month elimination period will be refunded to you. 14. Who is the insurer? Lloyd s of London. Its current financial ratings are: Standard and Poor s Fitch A.M. Best A+ (Excellent) A+ (Excellent) A (Excellent) 15. How long are premiums and coverage guaranteed? For five years. 16. At the end of the five-year period is it possible that the premium schedule can be changed or that the insurance company will not renew the policy? The policy is written on a group basis for a term of five years and premiums are guaranteed for that time. At the end of the term, the insurance company has the option to renew the policy and to adjust the rates based on new census population and experience. 17. Are benefits paid if the disability was caused by war, acts of foreign enemies, hostilities or warlike operations, civil war, rebellion, revolution, insurrection, uprising, or any act of terrorism provided that I was not taking an active part in them? Yes, with the exception of nuclear, chemical, or biological terrorism. 5

7 18. What conditions are not covered by the policy? If the loss is caused by, or the result of: Being under the influence of narcotics or intoxicants. Any psychosis, neurosis, or neuropsychiatric illness including, but not limited to any emotional anxiety or depression illness. Attempted suicide or an intentionally self-inflicted injury. Travel on aircraft for test purposes, on military aircraft, serving as a pilot or crewmember or taking a flying lesson. Participation in a riot, service in the military, or committing or attempting to commit a felony. Losses from any act of nuclear, chemical, or biological terrorism. Nuclear reaction, radiation, or contamination (not related to occupation). A pre-existing condition. 19. What is a pre-existing condition and how might it affect the coverage? A pre-existing condition is one for which (1) an insured received medical advice, or treatment was recommended or received from a physician during the 12-month period before the effective date of your coverage, or (2) had symptoms that were present during this 12-month period that would cause a reasonably prudent person to seek advice or treatment from a physician. The policy certificate does not provide benefits for a loss due to a pre-existing condition unless the loss begins more than one year after the effective date of your policy certificate, or the insurance company has agreed to cover it. 20. When will the insurance be effective? The effective date is shown on the policy certificate. 21. If I have not been actively at work for the past 180 days or have received disability benefits in the past five years, will I be denied coverage? Not necessarily. It depends upon the condition that caused the interruption in work or the disability. 22. What happens if I apply for coverage and then decide I don t want it? You can return your certificate within ten days of receiving it and receive a full refund of your premium payment. 6

8 23. Where can I view my premium rates and how do I enroll? Enrolling is simple and takes less than five minutes with no paper applications. Log onto our special website and enter your birthday to view your individual rates. Choose your benefit amount and follow the prompts through our simple three step enrollment process. You will sign electronically and will be able to print your application for your records once it is submitted. Approval takes on average 7-10 business days and once approved, we will notify you by mail or at which time the premium will be due. Once the premium is paid, you will receive your policy certificate. You have a 10-day money back guarantee review period. This Questions and Answers material is a summary of important policy provisions. It is not a contract or proposal. In all cases, the actual terms and provisions of the policy will govern. 7

Payment Protection Insurance Policy

Payment Protection Insurance Policy Payment Protection Insurance Policy Introduction Money back guarantee You may cancel your policy within 14 days of receiving it if you are not entirely satisfied with the insurance cover provided. You

More information

Life and Critical Illness Cover Individual Policy Summary

Life and Critical Illness Cover Individual Policy Summary This policy summary does not contain the full terms and conditions of the policy; these can be found in the policy document. Who is the insurer? Life and Critical Illness is underwritten by Lloyd s Syndicate

More information

Conditions. Cover. The Sum Insured will become payable by Underwriters to the Assured in the event of:-

Conditions. Cover. The Sum Insured will become payable by Underwriters to the Assured in the event of:- Conditions Cover The Sum Insured will become payable by Underwriters to the Assured in the event of:- 1. the Permanent Total Disability of an Insured Person. In the event of Permanent Total Disability

More information

Product Summary. GROUP PERSONAL ACCIDENT INSURANCE Group Policy 2000019-03

Product Summary. GROUP PERSONAL ACCIDENT INSURANCE Group Policy 2000019-03 Product Summary GROUP PERSONAL ACCIDENT INSURANCE Group Policy 2000019-03 Life often takes unexpected turns, and not always for the better. How well-prepared are you to deal with emergency events? Have

More information

AAD Group Disability Income Insurance Plan. Frequently Asked Questions

AAD Group Disability Income Insurance Plan. Frequently Asked Questions Frequently Asked Questions 1. What is Disability Income Insurance and why would I need it? Disability Income Insurance can help pay the bills after your short-term benefits are depleted. Many times you

More information

What will happen to your business if you become sick or injured?

What will happen to your business if you become sick or injured? What will happen to your business if you become sick or injured? Introducing... Business ValueGuard Disability Protection For Your Business You protect your income with personal disability insurance. You

More information

GBG INSURANCE LIMITED

GBG INSURANCE LIMITED INTERNATIONAL TERM LIFE AND ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE INDIVIDUAL POLICY Insured By: GBG INSURANCE LIMITED LifeAD&DPTD gbg.com 1 TERM LIFE AND AD&D INSURANCE: POLICY FACE PAGE Policy Number

More information

Payment Protection Insurance Policy

Payment Protection Insurance Policy Payment Protection Insurance Policy Contents INTRODUCTION...1 YOUR PRODUCT DISCLOSURE STATEMENT...2 Product Disclosure Statement overview...3 Exclusion... 6 YOUR POLICY... 8 General Information... 8 What

More information

LIFE AND AD&D DEPENDENT LIFE AND AD&D SHORT-TERM DISABILITY INCOME LONG-TERM DISABILITY INCOME

LIFE AND AD&D DEPENDENT LIFE AND AD&D SHORT-TERM DISABILITY INCOME LONG-TERM DISABILITY INCOME LIFE AND AD&D DEPENDENT LIFE AND AD&D SHORT-TERM DISABILITY INCOME LONG-TERM DISABILITY INCOME ADMINISTERED BY The Managing Agency Group One Enterprise Drive, Suite 210 Shelton, CT 06484 800-243-2534/local

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

Disability Insurance Protection for disabling sickness or injuries

Disability Insurance Protection for disabling sickness or injuries Is your income protected? What would you or your family be able to live without if you were disabled and lost your ability to earn a paycheck? CAR GROCERIES HOME Disability Insurance Protection for disabling

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

Berkshire Life Insurance Company of America 700 South Street Pittsfield, Massachusetts 01201 1-800-819-2468

Berkshire Life Insurance Company of America 700 South Street Pittsfield, Massachusetts 01201 1-800-819-2468 Berkshire Life Insurance Company of America 700 South Street Pittsfield, Massachusetts 01201 1-800-819-2468 DISABILITY INCOME PROTECTION COVERAGE REQUIRED OUTLINE OF COVERAGE Policy Form 1500 1. READ YOUR

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

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

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

Optional Plan Packages

Optional Plan Packages 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%)

More information

Group Disability Income Protection

Group Disability Income Protection Group Disability Income Protection CLASSIC PLAN 1-877-VIP-CSEA Valuable Insurance Programs Sponsored by Administered by Important Benefits for CSEA members Why You Need Disability Insurance When you re

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

Dental Office Staff COMPREHENSIVE LIFE, ACCIDENT AND DISABILITY PROTECTION. 1-800-561-9401 www.cdspi.com/staff. Canadian Dentists Insurance Program

Dental Office Staff COMPREHENSIVE LIFE, ACCIDENT AND DISABILITY PROTECTION. 1-800-561-9401 www.cdspi.com/staff. Canadian Dentists Insurance Program Dental Office Staff Canadian Dentists Insurance Program COMPREHENSIVE LIFE, ACCIDENT AND DISABILITY PROTECTION The income you earn as a dental office employee is important to your family s well-being.

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

Lloyd s Accident and Illness Insurance (UK)

Lloyd s Accident and Illness Insurance (UK) Lloyd s Accident and Illness Insurance (UK) You have applied to us for insurance and this document is the contract of insurance setting out the details of the insurance which you have requested. In deciding

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

Policy End Date (Both days inclusive, any time zone) Benefit XX% of Salary, to a maximum of $120,000

Policy End Date (Both days inclusive, any time zone) Benefit XX% of Salary, to a maximum of $120,000 INDIVIDUAL LONG TERM DISABILITY INSURANCE POLICY POLICY FACE PAGE Policy Number Insured Policy Effective Date Policy End Date (Both days inclusive, any time zone) Benefit XX% of Salary, to a maximum of

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

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

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

Table of Contents. 1 Partnering for Success... 2. 5 Questions and Answers... 9. 2 About Liberty Mutual... 3. 3 Supplementing the State's Plan...

Table of Contents. 1 Partnering for Success... 2. 5 Questions and Answers... 9. 2 About Liberty Mutual... 3. 3 Supplementing the State's Plan... Table of Contents 1 Partnering for Success... 2 Page 2 About Liberty Mutual... 3 3 Supplementing the State's Plan... 4 4 Plan Highlights... 7 5 Questions and Answers... 9 UNC Supplemental Disability 1

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

Aflac Short-Term Disability Insurance

Aflac Short-Term Disability Insurance Aflac Short-Term Disability Insurance LIMITED BENEFIT DISABILITY INCOME PROTECTION INSURANCE We ve been dedicated to helping provide peace of mind and financial security for more than 60 years. Underwritten

More information

Disability Insurance Protection for disabling sickness or injuries

Disability Insurance Protection for disabling sickness or injuries Is your income protected? What would you or your family be able to live without if you were disabled and lost your ability to earn a paycheck? CAR GROCERIES HOME Disability Insurance Protection for disabling

More information

Group Catastrophic Disability Insurance Underwritten by Unimerica Insurance Company

Group Catastrophic Disability Insurance Underwritten by Unimerica Insurance Company Your Guide to Group Catastrophic Disability Insurance Underwritten by Unimerica Insurance Company Why Purchase Catastrophic Disability Insurance Through the ASCE? ASCE s Group Catastrophic Disability Insurance

More information

long-term www.buymbp.com (518) 785-1900, ext. 243, or (800) 342-4306, ext. 243

long-term www.buymbp.com (518) 785-1900, ext. 243, or (800) 342-4306, ext. 243 long-term disability insurance www.buymbp.com (518) 785-1900, ext. 243, or (800) 342-4306, ext. 243 Long-Term Disability Insurance a serious illness or injury can turn your life upside down for months

More information

your ground crew FedEx MEC Insurance Products Exclusively for FedEx ALPA Members Available Insurance Plans

your ground crew FedEx MEC Insurance Products Exclusively for FedEx ALPA Members Available Insurance Plans take care of your ground crew FedEx MEC Insurance Products Exclusively for FedEx ALPA Members Available Insurance Plans ALPA FedEx MEC Insurance Group Term Life Long Term Disability FedEx MEC Insurance

More information

Life and Accident Insurance

Life and Accident Insurance Life and Accident Insurance Honda offers basic life and accident insurance and business travel insurance benefits for you or your survivors in the event of your accidental death or serious injury. Table

More information

Family Takaful Product : Public Ittikal Fund

Family Takaful Product : Public Ittikal Fund Family Takaful Product : Public Ittikal Fund Introduction Eligibility Nomination Effective Date of Coverage Description of Coverage Termination of Coverage Exclusions of Risks Schedule of Benefits INTRODUCTION

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

Why Disability Insurance

Why Disability Insurance Why Disability Insurance Most people insure their material possessions their homes and cars, for example. But many people don t insure what is probably their most valuable asset their ability to work and

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

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

HELP PROTECT YOUR INCOME WHEN YOUR GROUP LTD INSURANCE COVERAGE ENDS.

HELP PROTECT YOUR INCOME WHEN YOUR GROUP LTD INSURANCE COVERAGE ENDS. GROUP BENEFITS HELP PROTECT YOUR INCOME WHEN YOUR GROUP LTD INSURANCE COVERAGE ENDS. Your Long-term Disability Conversion Option IS THERE INCOME PROTECTION AFTER LTD INSURANCE COVERAGE ENDS? Disability

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

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

Product Summary. SAF GROUP DISABILITY INCOME INSURANCE Group Policy 2000019-04

Product Summary. SAF GROUP DISABILITY INCOME INSURANCE Group Policy 2000019-04 Product Summary SAF GROUP DISABILITY INCOME INSURANCE Group Policy 2000019-04 Has it ever crossed your mind that if the worst were to happen and you are totally unable to work for a long period due to

More information

+www.medplusadvantage.com/grad

+www.medplusadvantage.com/grad Med Plus +www.medplusadvantage.com/grad Advantage Sponsored by the American Medical Association disability income protection AMA-Sponsored Group Insurance for Resident Continuees + Med Plus Advantage Sponsored

More information

BENEFITS OF YOUR. Long-Term Disability Income Insurance

BENEFITS OF YOUR. Long-Term Disability Income Insurance BENEFITS OF YOUR Long-Term Disability Income Insurance Disability Benefits PARTIAL DISABILITY BENEFIT If you return to work after a covered total disability that began before age 65, you may be entitled

More information

Personal Accident Insurance. Arranged by Golfguard Ltd

Personal Accident Insurance. Arranged by Golfguard Ltd Personal Accident Insurance Arranged by Golfguard Ltd 1 This is your Personal Accident Insurance policy document. If you have any questions about these documents, please contact your insurance adviser

More information

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

Group Voluntary Term Life Coverage Effective Date: 3/1/2014 Policyholder: GLAHIT - Schreiner University Group Voluntary Term Life Coverage Effective Date: 3/1/2014 This summary of group voluntary term life coverage from Principal Life Insurance Company supplements

More information

MetLife Income Guard Compared to Guardian Provider Plus 1400

MetLife Income Guard Compared to Guardian Provider Plus 1400 DISABILITY INSURANCE SM MetLife Income Guard Compared to 1400 MetLife Income Guard is a noncancelable and guaranteed renewable individual disability insurance (IDI) product that offers a variety of competitive

More information

STANDARD INSURANCE COMPANY Home Office: P.O. Box 711, PORTLAND, OREGON 97207 1-800-247-6888

STANDARD INSURANCE COMPANY Home Office: P.O. Box 711, PORTLAND, OREGON 97207 1-800-247-6888 STANDARD INSURANCE COMPANY Home Office: P.O. Box 711, PORTLAND, OREGON 97207 1-800-247-6888 INSURED: POLICY NUMBER: BUSINESS EQUITY PROTECTOR BUSINESS BUY-OUT EXPENSE DISABILITY COVERAGE OUTLINE OF COVERAGE

More information

The ProVider Plus Competitive Advantage

The ProVider Plus Competitive Advantage The ProVider Plus Competitive Advantage Here are some noteworthy product features to distinguish Berkshire s ProVider Plus flagship product offering when in competition with These competitive advantages

More information

Short-Term Disability Income

Short-Term Disability Income Disability Income Protection Advantage Short-Term Disability Income If you ve ever been out of work because of a sickness or an injury, you know there are two things that are increasingly hard to come

More information

Group Life and AD&D Plan

Group Life and AD&D Plan Group Life and AD&D Plan TABLE OF CONTENTS (Click on any item below to go to that section) Introduction Group Life and AD&D Overview Life Insurance Optional Life Insurance Dependent Life Insurance Proof

More information

Langara College. Administrators

Langara College. Administrators Langara College Administrators Contract Number 16263 Effective January 1, 2013 Table of Contents Table of Contents General Information...1 About this booklet...1 Eligibility...1 Who qualifies as your

More information

Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA. Seton Hall University

Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA. Seton Hall University Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA Seton Hall University Core Plan / Buy-Up Plan: All Full-Time and Part-Time Active Faculty and Administrators Of Seton Hall University

More information

Short-Term Disability

Short-Term Disability Disability Income Protection Advantage SM Short-Term Disability If you ve ever been out of work because of a sickness or an injury, you know there are two things that are increasingly hard to come by:

More information

USBA Life-Time Value Group Whole Life Insurance Plan

USBA Life-Time Value Group Whole Life Insurance Plan USBA Life-Time Value Group Whole Life Insurance Plan If you want permanent lifetime coverage with guaranteed rates, guaranteed benefits, and a guaranteed schedule of cash value, USBA Life-Time Value Group

More information

Critical Illness Insurance Provides lump-sum cash benefits upon diagnosis of a covered critical illness

Critical Illness Insurance Provides lump-sum cash benefits upon diagnosis of a covered critical illness 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 Critical Illness Insurance Provides

More information

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

NORTHERN NEW ENGLAND BENEFIT TRUST LIFE INSURANCE ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE NORTHERN NEW ENGLAND BENEFIT TRUST LIFE INSURANCE ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE LIFE INSURANCE ACCIDENTAL DEATH AND DISMEMBERMENT INTRODUCTION Life Insurance and Accidental Death & Dismemberment

More information

Long-Term Disability Insurance

Long-Term Disability Insurance Long-Term Disability Insurance Developed for the employees of Pennsylvania State System of Higher Education Protecting Your Family Securing Your Future If you re physically healthy, you can work, play,

More information

Unum Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 QUALIFIED LONG TERM CARE INSURANCE OUTLINE OF

Unum Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 QUALIFIED LONG TERM CARE INSURANCE OUTLINE OF Unum Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 QUALIFIED LONG TERM CARE INSURANCE OUTLINE OF COVERAGE FOR THE EMPLOYEES OF TOTAL SYSTEM SERVICES, INC.

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

The ProVider Plus Competitive Advantage

The ProVider Plus Competitive Advantage The ProVider Plus Competitive Advantage Here are some noteworthy product features to distinguish Berkshire s ProVider Plus flagship product offering when in competition with These competitive advantages

More information

Disability Insurance: A sound financial foundation includes income protection

Disability Insurance: A sound financial foundation includes income protection Disability Insurance: A sound financial foundation includes income protection Introduction...1 An important financial safety net...2 Many are not eligible for Social Security or workers compensation benefits...3

More information

What would their lives be like without you?

What would their lives be like without you? What would their lives be like without you? Without you, will they be able to keep your home? When someone dies, family income may be significantly reduced. Keeping up with expenses may be a challenge.

More information

DISABILITY INCOME PROTECTION PLAN. Your Partner in Protecting Your Income. American Association of Nurse Anesthetists

DISABILITY INCOME PROTECTION PLAN. Your Partner in Protecting Your Income. American Association of Nurse Anesthetists Your Partner in Protecting Your Income. TM Your ability to earn an income may be your most valuable asset. Your lifestyle, your home, your children s education and your retirement may ALL hinge on your

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

Unum Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211

Unum Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 Unum Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 QUALIFIED LONG TERM CARE INSURANCE OUTLINE OF COVERAGE FOR THE EMPLOYEES OF CHEROKEE BOARD OF COMMISSIONERS

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

IN THIS SECTION SEE PAGE. Diageo: Your 2015 Employee Benefits 113

IN THIS SECTION SEE PAGE. Diageo: Your 2015 Employee Benefits 113 Diageo: Your 2015 Employee Benefits 113 Disability Plans Diageo NA offers the Short-term and Long-term Disability Plans through Hartford Life to provide financial protection for you and your family if

More information

Universal Loan Insurance

Universal Loan Insurance Creditor Insurance Universal Loan Insurance EXCELLENCE, YOUR LIVING BENEFITS SPECIALIST INVESTED IN YOU. UNIVERSAL LOAN INSURANCE PROTECT YOUR LOANS YOU and Your Needs Buying a property or a new vehicle

More information

00412296/00000.0/A /0001/A20438/99999999/0000/PRINT DATE: 6/03/06

00412296/00000.0/A /0001/A20438/99999999/0000/PRINT DATE: 6/03/06 THIS BENEFITS GUIDE HIGHLIGHTS THE PLAN BENEFITS AND FEATURES CHOSEN BY YOUR EMPLOYER. THIS IS NOT AN INSURANCE CONTRACT OR A COMPLETE DESCRIPTION OF PLAN PROVISIONS. A COMPREHENSIVE BENEFIT DESCRIPTION

More information

GROUP INSURANCE CERTIFICATE IMPORTANT: PLEASE READ THIS

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

More information

NCE Premier Accident Insurance Program

NCE Premier Accident Insurance Program NCE Premier Accident Insurance Program Underwritten by Unified Life Insurance Company GROUP ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE Benefit Reduction at age 70 and 75 Unified Life Insurance Company

More information

ProVider Plus Individual Disability Income Insurance

ProVider Plus Individual Disability Income Insurance ProVider Plus Individual Disability Income Insurance Keeping income strong Table of Contents Your income is your most valuable asset. Protect it!...........1 Disability Could it happen to you?........................2

More information

Priority Protection. Product Disclosure Statement Version 15, Date Prepared 21 November 2015. Life s better with the right partner

Priority Protection. Product Disclosure Statement Version 15, Date Prepared 21 November 2015. Life s better with the right partner Priority Get a 12.5% initial discount on eligible lump sum AIA Australia policies with Turn to the back to find out about AIA Vitality, our health and wellness rewards program. Product Disclosure Statement

More information

Illinois Insurance Facts Illinois Department of Insurance

Illinois Insurance Facts Illinois Department of Insurance Illinois Insurance Facts Illinois Department of Insurance Shopping for Individual Disability Income Insurance Updated January 2010 Note: This information was developed to provide consumers with general

More information

USBA Smart Value 10 Year Group Level Term Life Insurance Plan

USBA Smart Value 10 Year Group Level Term Life Insurance Plan USBA Smart Value 10 Year Group Level Term Life Insurance Plan Life insurance is all about making sure your family s financial future doesn t suffer without you. And the USBA Smart Value 10 Year Group Level

More information

University of British Columbia (the University) CUPE Local 2278 English Language Instructors

University of British Columbia (the University) CUPE Local 2278 English Language Instructors University of British Columbia (the University) CUPE Local 2278 English Language Instructors Contract Number 23218 Part G Effective January 1, 2008 Table of Contents Table of Contents General Information...1

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

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

Long Term Disability (LTD)

Long Term Disability (LTD) Long Term Disability (LTD) TABLE OF CONTENTS (Click on any item below to go to that section) Overview LTD Coverage Benefit Payment of LTD Benefit Other Income Benefits Defining Disabled Recurrent disability

More information

GROUP BENEFIT PROGRAM HIGHLIGHTS

GROUP BENEFIT PROGRAM HIGHLIGHTS Group Disability GROUP BENEFIT PROGRAM HIGHLIGHTS When the death of a family provider occurs, families find themselves facing not only the loss of a loved one but also the loss of their financial security.

More information

A CONSUMER'S GUIDE TO DISABILITY INCOME INSURANCE. from YOUR North Carolina Department of Insurance CONSUMER'SGUIDE

A CONSUMER'S GUIDE TO DISABILITY INCOME INSURANCE. from YOUR North Carolina Department of Insurance CONSUMER'SGUIDE A CONSUMER'S GUIDE TO DISABILITY INCOME INSURANCE from YOUR North Carolina Department of Insurance CONSUMER'SGUIDE A MESSAGE FROM YOUR INSURANCE COMMISSIONER Greetings, The North Carolina Department of

More information

Camden County, GA. Master. Item Number: Motions Implement a Group Short Term Disability Program through SunLife for County Employees

Camden County, GA. Master. Item Number: Motions Implement a Group Short Term Disability Program through SunLife for County Employees Camden County, GA Master 200 East 4th Street, Courthouse Square P.O. Box 99 Woodbine, Georgia 31569 Item Number: Type: Regular Agenda Agenda Date: September 21, 2010 In Control: Board of County Commissioners

More information

The chances o f suffering a long-term disability before retirement are almost twice that of dying before retirement.'

The chances o f suffering a long-term disability before retirement are almost twice that of dying before retirement.' ost of us think nothing of buying insurance to protect our cars, homes and other valuables. But many of us overlook protecting our most valuable asset... the one that makes all the others possible... our

More information

How will you be able to pay your student loans if you become sick or injured?

How will you be able to pay your student loans if you become sick or injured? How will you be able to pay your student loans if you become sick or injured? Introducing... Medical ValueGuard Own-Occupation Disability Protection For Your Student Loans You have invested countless hours

More information

American Academy Of Physician Assistants (AAPA) Group Disability Insurance FAQ s

American Academy Of Physician Assistants (AAPA) Group Disability Insurance FAQ s American Academy Of Physician Assistants (AAPA) Group Disability Insurance FAQ s Application Process 1. Who is eligible to participate? A Fellow member, in good standing of the American Academy of Physician

More information

3. you are under the Regular Care of a Physician.

3. you are under the Regular Care of a Physician. Am I eligible? What is Long Term Disability Insurance? Why do I need Long Term Disability Insurance? What is disability? You are eligible if you are an active, full-time Employee who works at least 30

More information

ACCIDENTAL ACCIDENTAL

ACCIDENTAL ACCIDENTAL ACCIDENTAL CREDITCARE DEATH PLUS ACCIDENTAL Policy Policy DEATH Wording Wording Policy Wording CreditCare Plus Policy Wording Part A: The basic terms of the Policy Part B: Temporary Disablement cover in

More information

N. Y. S. C. O. P. B. A. acket OPEN ENROLLMENT. Exclusively for. NYSCOPBA Members and Dependents

N. Y. S. C. O. P. B. A. acket OPEN ENROLLMENT. Exclusively for. NYSCOPBA Members and Dependents N. Y. S. C. O. P. B. A. New York State Correctional Officers & Police Benevolent Association, Inc. P 2014 OPEN ENROLLMENT acket Exclusively for NYSCOPBA Members and Dependents Member and Dependent Life

More information

Personal Accident and Illness Insurance

Personal Accident and Illness Insurance Personal Accident and Illness Insurance This is your Personal Accident and Illness Insurance policy document. If you have any questions about these documents, please contact your insurance adviser who

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

Accumulation Period A period of months that begins on the first day of disability and during which the Elimination period must be satisfied.

Accumulation Period A period of months that begins on the first day of disability and during which the Elimination period must be satisfied. Accumulation of Days of Disability In better disability policies, the Elimination Period days do not need to be consecutive. They may be accumulated, assuming each period of disability is not separated

More information

USBA Smart & Learn 15 Year Group Level Term Insurance Plan

USBA Smart & Learn 15 Year Group Level Term Insurance Plan USBA Smart & Learn 15 Year Group Level Term Insurance Plan Life insurance is all about making things easier for your loved ones protecting them from major financial burdens making sure their future doesn

More information

St. Louis County Voluntary Long-Term Disability Insurance

St. Louis County Voluntary Long-Term Disability Insurance St. Louis County Voluntary Long-Term Disability Insurance 3 in 10 workers entering the workforce today will become disabled before retiring. 1 Are you willing to gamble with your paycheck? Why Disability

More information

Insurance & Benefits Trust of PORAC

Insurance & Benefits Trust of PORAC Insurance & Benefits Trust of PORAC How Benefits are Funded Percentage of Wages Protected Catastrophic Disability Benefit Maximum Monthly Benefit Maximum Benefit Period Fully self-funded and administered

More information

USBA Long Term 20 SM Year Group Level Term Life Insurance Plan

USBA Long Term 20 SM Year Group Level Term Life Insurance Plan USBA Long Term 20 SM Year Group Level Term Life Insurance Plan You ve made the smart decision to protect your family s financial future and we can help you do that with USBA s Long Term 20-Year Group Level

More information

Senior Citizen Personal Accident Plan. Complete coverage allows you to enjoy your golden years to the fullest

Senior Citizen Personal Accident Plan. Complete coverage allows you to enjoy your golden years to the fullest Senior Citizen Personal Accident Plan Complete coverage allows you to enjoy your golden years to the fullest Innovative features to ensure you enjoy life and all it has to offer. The golden years of your

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