Group Additional Life Insurance

Size: px
Start display at page:

Download "Group Additional Life Insurance"

Transcription

1 Group Additional Life Insurance Montana Association of Counties Health Care Trust (MACoHCT) Answers To Your Questions About Coverage From Standard Insurance Company Standard Insurance Company Group Additional Life Insurance

2 About This Booklet This booklet is designed to answer some common questions about the group Additional Life insurance coverage offered to the eligible employees in your company. It is not intended to provide a detailed description of the coverage. Features of the coverage may vary by state. In addition to this booklet, refer to the Coverage Highlights for more information about the Additional Life insurance coverage. If coverage becomes effective and you become insured, you will receive a certificate containing a detailed description of the insurance coverage including the definitions, exclusions, limitations, reductions and terminating events. The controlling provisions will be in the group policy. Neither this booklet nor the certificate modify the group policy or the insurance coverage in any way.

3 Group Additional Life Insurance Montana Association of Counties Health Care Trust (MACoHCT) provides a Basic Life and Accidental Death and Dismemberment (AD&D) insurance benefit for active employees and elected officials of participating member groups at no cost to the member or member group. MACoHCT also makes available two other Life/AD&D insurance plans to member groups. Member groups may elect to make coverage available to employees and elected officials under both of these plans. Under Option 1, the member group elects a set amount of coverage for employees and elected officials and pays for coverage. Under Option 2, employees and elected officials choose the amount of additional coverage they need and pay for it themselves. Plan Options FOR ACTIVE EMPLOYEES AND ELECTED OFFICIALS: All eligible employees and elected officials participating in MACoHCT s group medical plan will automatically be covered under Basic Life and AD&D insurance, provided they meet the active work requirement. Member groups may elect to provide coverage for all employees and elected officials under the Option 1 Life and AD&D Plan. Member groups may also wish to make coverage available to their employees and elected officials under Option 2 of the Life and AD&D Plan. Basic Life insurance benefit: $20,000 AD&D insurance benefit: $20,000 Cost: Paid for by MACoHCT for active employees and elected officials. Option 1 The member group elects a multiple of $10,000 to a maximum of $100,000 or $150,000, as determined by the number of eligible employees in the member group. A matching amount of AD&D insurance is included. The member group may also elect to purchase dependent life coverage see Dependent Life Insurance section. Cost: Paid by the member group. Option 2 This coverage is made available by the member group. The employee or elected official may elect any Life Insurance multiple of $10,000, up to $500,000 (not to exceed an amount equal to 4 times the covered person s annual earnings). Option 2 AD&D insurance benefit: Matches the Option 2 Life insurance benefit amount. The employee or elected official may also elect to purchase dependent life coverage See Dependent Life Insurance section. Cost: Covered person pays the cost. Group Additional LIfe Insurance 3

4 Commonly Asked Questions The following information provides details to give you a better understanding of group Life and AD&D insurance available through your participation in MACoHCT. Written in non-technical language, this is not intended as a complete description of the coverage. Who is eligible for this coverage? To become insured, employees and elected officials must meet the eligibility requirements and an active work requirement. An eligible person must be: An active (a) regular permanent employee (including a permanent seasonal employee), regularly scheduled to work at least the minimum number of hours required by the employer for participation under the group policy, and working in a position that is budgeted for not less than.5 FTE (Full Time Equivalency), or (b) an elected official. Not enlisted as a full-time member of the armed forces. Actively at work on the day before the scheduled effective date of insurance. The following are not eligible for coverage: temporary employees, short-term workers, student interns, leased employees, and independent contractors. Will employees and elected officials have to provide information regarding their medical histories? Medical histories (evidence of insurability) are not required to become insured under Basic or Option 1 of Life and AD&D insurance. With respect to coverage under Option 2, coverage will not become effective until evidence of insurability is approved by The Standard in all of the following instances: To become insured for any amount under Option 2, if the application is made more than 60 days after becoming eligible. To become insured for more than $50,000 under Option 2, if the member group has 10 eligible employees or more (and application for coverage is made within 60 days after becoming eligible). To become insured for more than $30,000 under Option 2, if the member group has fewer than 10 eligible employees (and application for coverage is made within 60 days after becoming eligible). For any increase in coverage under Option 2. Evidence of insurability is also required for reinstatement of terminated coverage. 4 Standard Insurance Company

5 Does coverage reduce due to changes in age? Coverage under Basic and Option 1 reduces as follows: Reduces by 35% at age 70, and by 50% at age 75. Coverage under Option 2 reduces as follows: Reduces by 35% at age 65, by 50% at age 70 and by 65% at age 75. Is Life insurance coverage available for spouses and children? Member groups may elect to offer Dependents Life insurance. The amount of Dependents Life insurance for a covered spouse and each eligible child is $10,000. Cost of this coverage may be paid by the member group or the employee or elected official, as determined by the member group. A spouse is a person to whom the employee or elected offi cial is legally married. An eligible child is an child from live birth through age 25, including: natural children, adopted children, stepchildren, and children for whom the employee or elected official has been appointed legal guardian. Disabled children may be eligible for continued coverage beyond the limiting ages Group Additional LIfe Insurance 5

6 How much will the coverage cost? The monthly premium rate for coverage under Option 1 of Life and AD&D is $0.25 per $1,000 of coverage. To calculate monthly premium to be paid by the member group for Option 1 of Life/AD&D coverage: $ $1,000 = x.25 = x = $ Amount of Monthly rate Number of Monthly cost Option 1 eligible employees Option 2 - Use the following rates to determine the monthly premium paid by an active employee or elected official for Life and AD&D coverage under Option 2: Age on January 1 Rate per $1,000 of total coverage Age 29 and under $0.090 Age 30 to 34 $0.100 Age 35 to 39 $0.120 Age 40 to 44 $0.170 Age 45 to 49 $0.260 Age 50 to 54 $0.380 Age 55 to 59 $0.620 Age 60 to 64 $0.710 Age 65 to 69 $1.270 Age 70 to 74 $2.060 Age 75 to 79 $2.800 Age 80 and above $ Standard Insurance Company

7 To calculate an insured person s monthly premium for Option 2 of Life/AD&D coverage: $ $1,000 = x = $ Amount of Premium rate Insured person s Option 2 elected from above chart monthly cost Dependents Life insurance - The monthly premium rate is $2.25 monthly per employee or elected official insured for Dependents Life insurance, regardless of the number of Dependents covered. The covered person or member group pays the premium for this coverage, as determined by the member group. How do employees and elected officials apply for Option 2 Life insurance coverage? To apply for Life and AD&D insurance, an employee or elected official should complete the Enrollment Form in their enrollment packet and submit it to their employer. Application can be made at any time, but if made more than 60 days after becoming eligible, satisfactory evidence of insurability is required to become insured for any amount. Coverage subject to evidence of insurability is not effective until approved by The Standard. How are benefits paid? For amounts less than $25,000, The Standard issues a check to each designated beneficiary. The Standard pays amounts of $25,000 or more to each designated beneficiary by depositing funds into Standard Secure Access a convenient, no fee, interest-bearing draft account. With Standard Secure Access, each beneficiary receives a personalized checkbook and has complete control of the account. Beneficiaries can write checks as needed or for the full amount. This arrangement allows beneficiaries to earn competitive interest rates on their benefits while they take the necessary time to consider financial decisions and evaluate their choices. What happens if an employee or elected official becomes totally disabled and can t work? The Standard will continue the Life insurance under Option 2 without premium payments if the insured person: Becomes totally disabled while insured under the group policy Is under the age of 60 on the date of disability Completes the waiting period of 180 days Provides The Standard with satisfactory proof of total disability The Waiver of Premium provision does not apply to Basic or Option 1 Life insurance, AD&D insurance or Dependents Life insurance. Group Additional LIfe Insurance 7

8 What happens if an employee or elected official becomes terminally ill? Under the Accelerated Benefit provision, an insured person may be eligible to receive up to 75%, or a maximum of $500,000, of Option 2 Life insurance if determined terminally ill, has a life expectancy of less than 12 months and meets other eligibility requirements. The Accelerated Benefit is not available for Basic or Option 1 Life insurance, AD&D insurance or Dependents Life insurance. Proceeds from the Accelerated Benefit may be used as desired whether to cover medical expenses or to maintain quality of life. The amount of Option 2 Life insurance payable at death is reduced by the Accelerated Benefit paid and an interest charge. However, The Standard will pay at least 10% of the original Option 2 coverage amount at that time, even if interest charges on the accelerated amount would have exhausted the remaining benefits over time. Are there any other benefits with Life coverage from The Standard? The Standard pays an additional benefit, the Repatriation Benefit, if an employee or elected official dies more than 200 miles from the primary place of residence. The Standard will reimburse expenses, up to $5,000, incurred to transport the body to a mortuary near the primary place of residence. The Standard policy includes a travel assistance program that provides a full range of 24-hour medical, legal and travel assistance services to insured persons when traveling more than 100 miles from home or in a foreign country. 1 What benefits are paid under Accidental Death and Dismemberment (AD&D) coverage? Matching amounts of AD&D are included under each of the plans. AD&D insurance pays an additional benefi t to the covered person or their benefi ciaries in the event of death or dismemberment as a result of an accident. The amount of this AD&D insurance benefit for loss of life is equal to the amount payable for Life insurance coverage on the date of the accident. The amount of this AD&D insurance benefit for other covered losses is a percentage of the amount payable for Life insurance coverage on the date of the accident, as shown below: Loss: One hand or one foot 50% Sight in one eye 50% Two or more of the losses listed above 100% Percentage Payable: 1 Provided through an agreement with MEDEX Assistance Corporation, which is not affi liated with The Standard. MEDEX Travel Assist is not an insurance product. 8 Standard Insurance Company

9 The loss must occur due to an accident and independently of all other causes, within 365 days after the accident. Loss of life must be evidenced by a certified copy of the death certificate. All other losses must be certified by a physician in the appropriate specialty as determined by The Standard. The AD&D coverage includes the following additional benefits when an AD&D insurance benefit is payable: Seat Belt Benefit. The Seat Belt Benefit provision provides an additional benefit in the event an employee or elected official dies as a result of an automobile accident and was properly wearing and using a seat belt system. Air Bag Benefit. The Air Bag Benefit provides an additional benefit in the event of death as a result of an automobile accident for which a Seat Belt Benefit is payable, if the automobile is equipped with an air bag system which deployed as evidenced by a police accident report, and the deceased was seated in the driver s or passenger s seat intended to be protected by the air bag system. Family Benefits Package. The Family Benefits Package includes the Child Care Benefit, Higher Education Benefit and Career Adjustment Benefit. It provides eligible family members with additional financial help for childcare, college or career training. What are the exclusions? Option 2 Life insurance includes exclusion for death resulting from suicide or other intentionally self-infl icted injury while sane or insane. The amount payable will exclude amounts that have not been continuously in effect for at least two years on the date of death. AD&D insurance benefits are not payable for death or dismemberment caused or contributed to by: War or act of war, declared or undeclared, whether civil or international, and any substantial armed conflict between organized forces of a military nature Suicide or other intentionally self-infl icted injury while sane or insane Committing or attempting to commit an assault or felony, or actively participating in a violent disorder or riot (unless performing official duties) Voluntary use or consumption of any poison, chemical compound, alcohol or drug, unless used or consumed according to the directions of a physician Sickness or pregnancy existing at the time of the accident Heart attack or stroke Medical or surgical treatment for any of the above Group Additional LIfe Insurance 9

10 When does coverage end? Coverage ends automatically on the earliest of the following: The date the last period ends for which a premium was paid for the Life insurance (except for Option 2, if premiums are waived while totally disabled) The date employment terminates or the elected official is no longer active The date Group Life insurance ends under the Basic Plan The date the group policy terminates For Option 2, the date Life insurance terminates under the group policy The date an insured person ceases to be eligible; however, insurance may continue for limited periods under certain circumstances The date the member group ceases to participate under the group policy Dependents Life coverage for spouses and children ends automatically on the earliest of the following: Five months after the date the covered employee or elected official dies The date Group Life insurance ends The date Dependents Life insurance terminates under the group policy The date the last period ends for which a premium was paid for Dependents Life insurance When the dependent ceases to be an eligible dependent For a spouse, the date of divorce For a child who is disabled, 90 days after we mail the employee a request for proof of disability, if proof is not given. 10 Standard Insurance Company

11 AD&D insurance will automatically end on the earliest of the following: The date the corresponding plan of Group Life insurance ends With respect to coverage under Option 2, the date Waiver of Premium begins The date AD&D insurance terminates under the group policy The date the last period ends for which a premium was paid for the AD&D insurance If Life insurance ends or is reduced, may employees convert to an individual policy? If Life insurance from The Standard ends or is reduced for any reason other than failure to pay premiums, an employee may be able to convert the terminated coverage to certain types of individual life insurance policies without providing evidence of insurability. The employee must apply for conversion and pay the required premium within 31 days after group coverage ends or is reduced. AD&D coverage may not be converted under this provision. May employees buy group life coverage after leaving employment? If insurance ends because employment terminates, an employee may be eligible to buy group life insurance from The Standard through the Portability provision, assuming the employee meets the eligibility requirements. The employee must apply to port the coverage and pay the required premium within 31 days after employment terminates. Group Additional LIfe Insurance 11

12 MACoHCT has chosen Standard Insurance Company to provide group Life coverage for participating member groups. The Standard has earned a solid reputation for its quality products, expert resources, superior service, steady growth, innovation and groups and strong financial performance. Founded in 1906, The Standard is a leader in the group disability and life insurance market, while also offering individual disability, group dental and retirement plans for groups and individuals. Standard Insurance Company 1100 SW Sixth Avenue Portland OR GP190-LIFE/S399, GP399-LIFE/TRUST Group Voluntary Life Insurance SI 10391D (7/14)EE

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

Group Additional Life Insurance

Group Additional Life Insurance Group Additional Life Insurance For the employees of Montana University System Answers To Your Questions About Coverage From Standard Insurance Company About This Booklet This booklet is designed to answer

More information

Group Basic Life Insurance

Group Basic Life Insurance Group Basic Life Insurance For employees participating in OEBB plans Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY About This Brochure This brochure

More information

Group Basic Life Insurance

Group Basic Life Insurance Group Basic Life Insurance For Employees Participating In OEBB Plans Standard Insurance Company Group Basic Life Insurance About This Brochure This brochure and the accompanying Oregon Educators Benefit

More information

Group Life Insurance. For Government of the District of Columbia Employees. Answers To Your Questions About Coverage From Standard Insurance Company

Group Life Insurance. For Government of the District of Columbia Employees. Answers To Your Questions About Coverage From Standard Insurance Company Group Life Insurance For Government of the District of Columbia Employees Answers To Your Questions About Coverage From Standard Insurance Company About This Booklet This booklet is designed to answer

More information

Group Additional Life Insurance

Group Additional Life Insurance Group Additional Life Insurance F O R E M P L O Y E E S O F M O N T A N A U N I V E R S I T Y S Y S T E M Answers to your questions about coverage from Standard Insurance Company S T A N D A R D I N S

More information

Group Additional Life and Accidental Death and Dismemberment (AD&D) Insurance FOR EMPLOYEES OF DOUGLAS COUNTY SCHOOL DISTRICT

Group Additional Life and Accidental Death and Dismemberment (AD&D) Insurance FOR EMPLOYEES OF DOUGLAS COUNTY SCHOOL DISTRICT Group Additional Life and Accidental Death and Dismemberment (AD&D) Insurance FOR EMPLOYEES OF DOUGLAS COUNTY SCHOOL DISTRICT Answers to your questions about coverage from Standard Insurance Company STANDARD

More information

Group Voluntary Life, Accidental Death and Dismemberment and Dependents Life Insurance

Group Voluntary Life, Accidental Death and Dismemberment and Dependents Life Insurance Group Voluntary Life, Accidental Death and Dismemberment and Dependents Life Insurance The Thomas M. Cooley Law School Alumni Association Answers To Your Questions About Coverage From Standard Insurance

More information

Group Life Insurance. For Employees of The City of San José (Plan 3 Vantage) Answers To Your Questions About Coverage From Standard Insurance Company

Group Life Insurance. For Employees of The City of San José (Plan 3 Vantage) Answers To Your Questions About Coverage From Standard Insurance Company Group Life Insurance For Employees of The City of San José (Plan 3 Vantage) Answers To Your Questions About Coverage From Standard Insurance Company About This Booklet This booklet is designed to answer

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

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

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

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

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

Group Basic Life and AD&D Insurance

Group Basic Life and AD&D Insurance Group Basic Life and AD&D Insurance City & County of Denver S T A N D A R D I N S U R A N C E C O M P A N Y City & County of Denver Group Basic Life and AD&D Insurance WHAT ARE MY BASIC LIFE AND AD&D BENEFITS?

More information

Voluntary Accidental Death and Dismemberment Insurance. Answers to your questions about coverage from Standard Insurance Company

Voluntary Accidental Death and Dismemberment Insurance. Answers to your questions about coverage from Standard Insurance Company Voluntary Accidental Death and Dismemberment Insurance F O R E M P L O Y E E S O F K E N T S TAT E U N I V E R S I T Y Answers to your questions about coverage from Standard Insurance Company S TA N D

More information

Optional Accidental Death And Dismemberment Insurance

Optional Accidental Death And Dismemberment Insurance Optional Accidental Death And Dismemberment Insurance For Employees Participating In OEBB Plans Standard Insurance Company Optional Accidental Death And Dismemberment Insurance About This Brochure This

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

Voluntary Accidental Death and Dismemberment (AD&D) Insurance

Voluntary Accidental Death and Dismemberment (AD&D) Insurance Voluntary Accidental Death and Dismemberment (AD&D) Insurance For Employees of The California State University Standard Insurance Company Voluntary AD&D Insurance About This Brochure This booklet is designed

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

Group Voluntary Accidental Death and Dismemberment Insurance FOR EMPLOYEES OF CITY OF WICHITA

Group Voluntary Accidental Death and Dismemberment Insurance FOR EMPLOYEES OF CITY OF WICHITA Group Voluntary Accidental Death and Dismemberment Insurance FOR EMPLOYEES OF CITY OF WICHITA Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY About This

More information

Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY

Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY Group Voluntary Life and Accidental Death and Dismemberment (AD&D) Insurance FOR ACTIVE MEMBERS OF THE STATE OF NEVADA PUBLIC EMPLOYEES BENEFITS PROGRAM Answers to your questions about coverage from Standard

More information

Group Life, AD&D and Dependents Insurance

Group Life, AD&D and Dependents Insurance Group Life, AD&D and Dependents Insurance FOR EMPLOYEES OF FLE X TRONICS INTERNATIONAL USA, INC. Answers to your questions about coverage from Standard Insurance Company S TA N D A R D I N S U R A N C

More information

Group Additional Life Insurance FOR EMPLOYEES OF THE UNIVERSITY OF NEW MEXICO

Group Additional Life Insurance FOR EMPLOYEES OF THE UNIVERSITY OF NEW MEXICO Group Additional Life Insurance FOR EMPLOYEES OF THE UNIVERSITY OF NEW MEXICO Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY About This Booklet This

More information

Group Additional Life Insurance

Group Additional Life Insurance Group Additional Life Insurance For the employees of City of Corpus Christi Answers To Your Questions About Coverage From Standard Insurance Company About This Booklet This booklet is designed to answer

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

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

Voluntary Life and Accidental Death with Dismemberment (AD&D) Insurance Voluntary Life and Accidental Death with Dismemberment (AD&D) Insurance FOR EMPLOYEES OF CIT Y OF WICHITA Answers to your questions about coverage from Standard Insurance Company S TA N D A R D I N S U

More information

Group Voluntary Life Insurance

Group 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 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

Group Voluntary Accidental Death And Dismemberment Insurance

Group Voluntary Accidental Death And Dismemberment Insurance Group Voluntary Accidental Death And Dismemberment Insurance For Employees of Employers Participating in the Washington Counties Insurance Fund Answers To Your Questions About Coverage From The Standard

More information

The Standard Life Insurance Company of New York Additional Life and AD&D Coverage Highlights Teachers College, Columbia University

The Standard Life Insurance Company of New York Additional Life and AD&D Coverage Highlights Teachers College, Columbia University 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 Voluntary Accidental Death And Dismemberment Insurance FOR THE EMPLOYEES OF THE UNIVERSITY OF NEW MEXICO

Group Voluntary Accidental Death And Dismemberment Insurance FOR THE EMPLOYEES OF THE UNIVERSITY OF NEW MEXICO Group Voluntary Accidental Death And Dismemberment Insurance FOR THE EMPLOYEES OF THE UNIVERSITY OF NEW MEXICO Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE

More information

Group Optional Life Insurance

Group Optional Life Insurance Group Optional Life Insurance For Employees Participating In OEBB Plans Standard Insurance Company Group Optional Life Insurance About This Brochure This brochure is designed to answer some common questions

More information

Your Life, AD&D and Disability Benefits Guide. Enroll Now To Help Secure Your Financial Future. Southern Methodist University

Your Life, AD&D and Disability Benefits Guide. Enroll Now To Help Secure Your Financial Future. Southern Methodist University Your Life, AD&D and Disability Benefits Guide Enroll Now To Help Secure Your Financial Future Welcome To Your Life, AD&D And Disability Benefits Guide Protect What Matters Most Building a financial safety

More information

Group Life Insurance. Answers to your questions about coverage from Standard Insurance Company. For the General Council Of The Assemblies Of GoD

Group Life Insurance. Answers to your questions about coverage from Standard Insurance Company. For the General Council Of The Assemblies Of GoD Group Life Insurance For the General Council Of The Assemblies Of GoD Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY About This Booklet This booklet

More information

Group Basic Life Insurance FOR ACTIVE MEMBERS OF THE STATE OF NEVADA PUBLIC EMPLOYEES BENEFITS PROGRAM

Group Basic Life Insurance FOR ACTIVE MEMBERS OF THE STATE OF NEVADA PUBLIC EMPLOYEES BENEFITS PROGRAM Group Basic Life Insurance FOR ACTIVE MEMBERS OF THE STATE OF NEVADA PUBLIC EMPLOYEES BENEFITS PROGRAM Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY

More information

STANDARD INSURANCE COMPANY

STANDARD INSURANCE COMPANY STANDARD INSURANCE COMPANY A Stock Life Insurance Company 900 SW Fifth Avenue Portland, Oregon 97204-1282 (503) 321-7000 CERTIFICATE GROUP LIFE INSURANCE Policyholder: University of South Alabama Policy

More information

STANDARD INSURANCE COMPANY

STANDARD INSURANCE COMPANY STANDARD INSURANCE COMPANY A Stock Life Insurance Company 900 SW Fifth Avenue Portland, Oregon 97204-1282 (503) 321-7000 CERTIFICATE GROUP LIFE INSURANCE Policyholder: City of Alexandria, Virginia Policy

More information

Voluntary Life Insurance FOR EMPLOYEES OF FAYETTE COUNTY PUBLIC SCHOOLS

Voluntary Life Insurance FOR EMPLOYEES OF FAYETTE COUNTY PUBLIC SCHOOLS Voluntary Life Insurance FOR EMPLOYEES OF FAYETTE COUNTY PUBLIC SCHOOLS Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY About This Booklet This booklet

More information

NOTICE OF PROTECTION PROVIDED BY ILLINOIS LIFE AND HEALTH INSURANCE GUARANTY ASSOCIATION

NOTICE OF PROTECTION PROVIDED BY ILLINOIS LIFE AND HEALTH INSURANCE GUARANTY ASSOCIATION NOTICE OF PROTECTION PROVIDED BY ILLINOIS LIFE AND HEALTH INSURANCE GUARANTY ASSOCIATION This notice provides a brief summary description of the Illinois Life and Health Insurance Guaranty Association

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

Additional Life Insurance

Additional Life Insurance Additional 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 common questions

More information

Buy-up Short Term Disability Insurance

Buy-up Short Term Disability Insurance Buy-up Short Term Disability Insurance Answers to your questions about coverage from Standard Insurance Company For the Employees of Douglas County School District About This Booklet This booklet is designed

More information

Group Life Insurance Help Protect Loved Ones from Financial Hardship

Group Life Insurance Help Protect Loved Ones from Financial Hardship Group Life Insurance Help Protect Loved Ones from Financial Hardship STANDARD INSURANCE COMPANY Your Proposed Group Life Insurance Plan Standard Insurance Company appreciates the opportunity to provide

More information

Group Term Life, AD&D, and Dependents Insurance

Group Term Life, AD&D, and Dependents Insurance California Association of Professional Scientists Group Term Life, AD&D, and Dependents Insurance California Association of Professional Scientists STANDARD INSURANCE COMPANY This program is sponsored

More information

Voluntary Group Life Insurance Protecting what s priceless

Voluntary Group Life Insurance Protecting what s priceless Voluntary Group Life Insurance Protecting what s priceless S T A N D A R D I N S U R A N C E C O M P A N Y About This Booklet This booklet is designed to answer some common questions about the Voluntary

More information

Buy-up Short Term Disability Insurance

Buy-up Short Term Disability Insurance Buy-up Short Term Disability Insurance Answers to your questions about coverage from Standard Insurance Company For the Employees of Douglas County School District About This Booklet This booklet is designed

More information

Short Term Disability Insurance CITY AND COUNTY OF DENVER

Short Term Disability Insurance CITY AND COUNTY OF DENVER Short Term Disability Insurance CITY AND COUNTY OF DENVER Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY About This Booklet This booklet is designed

More information

STANDARD INSURANCE COMPANY

STANDARD INSURANCE COMPANY STANDARD INSURANCE COMPANY A Stock Life Insurance Company 900 SW Fifth Avenue Portland, Oregon 97204-1282 (503) 321-7000 CERTIFICATE GROUP LIFE INSURANCE Policyholder: Johnson County Community College

More information

STANDARD INSURANCE COMPANY

STANDARD INSURANCE COMPANY STANDARD INSURANCE COMPANY A Stock Life Insurance Company 900 SW Fifth Avenue Portland, Oregon 97204-1282 (503) 321-7000 CERTIFICATE GROUP LIFE INSURANCE Policyholder: Colorado Employer Benefit Trust (CEBT)

More information

Voluntary Short Term Disability Insurance

Voluntary Short Term Disability Insurance Voluntary Short Term Disability Insurance For Government of the District of Columbia Employees Answers To Your Questions About Coverage From Standard Insurance Company About This Booklet This booklet is

More information

Group Additional Life Insurance

Group Additional Life Insurance Group Additional Life Insurance Answers To Your Questions About Coverage From The Standard Standard Insurance Company Group Life Insurance About This Booklet This booklet is designed to answer some common

More information

Short Term Disability Insurance FOR EMPLOYEES OF THE UNIVERSITY OF NEW MEXICO

Short Term Disability Insurance FOR EMPLOYEES OF THE UNIVERSITY OF NEW MEXICO Short Term Disability Insurance FOR EMPLOYEES OF THE UNIVERSITY OF NEW MEXICO Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY About This Booklet This

More information

Long Term Disability Insurance FOR EMPLOYEES OF THE UNIVERSITY OF NEW MEXICO

Long Term Disability Insurance FOR EMPLOYEES OF THE UNIVERSITY OF NEW MEXICO Long Term Disability Insurance FOR EMPLOYEES OF THE UNIVERSITY OF NEW MEXICO Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY About This Booklet This

More information

Additional Life Insurance FOR EMPLOYEES OF NORTH THURSTON PUBLIC SCHOOLS

Additional Life Insurance FOR EMPLOYEES OF NORTH THURSTON PUBLIC SCHOOLS Additional Life Insurance FOR EMPLOYEES OF NORTH THURSTON PUBLIC SCHOOLS Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY About This Booklet This booklet

More information

Voluntary Short Term Disability Insurance

Voluntary Short Term Disability Insurance Voluntary Short Term Disability Insurance F O R G O V E R N M E N T O F T H E D I S T R I C T O F C O L U M B I A E M P L O Y E E S Answers to your questions about coverage from Standard Insurance Company

More information

Voluntary Long Term Disability Insurance EMPLOYEES OF CITY OF NORFOLK

Voluntary Long Term Disability Insurance EMPLOYEES OF CITY OF NORFOLK Voluntary Long Term Disability Insurance EMPLOYEES OF CITY OF NORFOLK Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY About This Booklet This booklet

More information

Group Life Insurance. Massachusetts Board of Higher Education STANDARD INSURANCE COMPANY

Group Life Insurance. Massachusetts Board of Higher Education STANDARD INSURANCE COMPANY Group Life Insurance Massachusetts Board of Higher Education STANDARD INSURANCE COMPANY Group Life Insurance Answers to your questions about coverage from Standard Insurance Company About This Booklet

More information

Voluntary Long Term Disability Insurance FOR GOVERNMENT OF THE DISTRICT OF COLUMBIA EMPLOYEES

Voluntary Long Term Disability Insurance FOR GOVERNMENT OF THE DISTRICT OF COLUMBIA EMPLOYEES Voluntary Long Term Disability Insurance FOR GOVERNMENT OF THE DISTRICT OF COLUMBIA EMPLOYEES Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY About This

More information

Life and AD&D Coverage Options

Life and AD&D Coverage Options 43 Life and AD&D Coverage Options Life Insurance Options Life insurance pays benefits if you die or if a dependent dies while covered by the plan. Adequate life insurance can provide important financial

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

Long Term Disability Insurance

Long Term Disability Insurance Group Voluntary For Employees of The California State University Standard Insurance Company About This Brochure This booklet is designed to answer some common questions about the group Voluntary Long Term

More information

Standard Insurance Company Voluntary Short Term Disability Coverage Highlights Northeast Georgia Diagnostic Clinic, LLC

Standard Insurance Company Voluntary Short Term Disability Coverage Highlights Northeast Georgia Diagnostic Clinic, LLC Voluntary Short Term Disability (STD) Insurance Short Term Disability insurance pays a weekly benefit in the event you cannot work because of a covered illness or injury. An STD benefit replaces a portion

More information

City of Frisco Policy # 94716

City of Frisco Policy # 94716 Flex Coverage Highlights City of Frisco Policy # 94716 Please read carefully the following description of your Unum Term Life and AD&D insurance plan. Your Plan Eligibility All active full time Benefit

More information

Answers to your questions about coverage from Standard Insurance Company

Answers to your questions about coverage from Standard Insurance Company Voluntary Short Term Disability Insurance CITY & COUNTY OF DENVER Answers to your questions about coverage from Standard Insurance Company STANDARD Voluntary INSURANCE Short Term COMPANY Disability Insurance

More information

Voluntary Long Term Disability Insurance

Voluntary Long Term Disability Insurance Voluntary Long Term Disability Insurance For Government of the District of Columbia Employees Answers To Your Questions About Coverage From Standard Insurance Company About This Booklet This booklet is

More information

Group Additional Life Insurance

Group Additional Life Insurance Group Additional Life Insurance Answers To Your Questions About Coverage From The Standard Standard Insurance Company Group Life Insurance About This Booklet This booklet is designed to answer some common

More information

Long Term Disability Insurance

Long Term Disability Insurance Long Term Disability Insurance For Employees Participating In OEBB Plans Standard Insurance Company Long Term Disability Insurance About This Brochure This brochure and the accompanying Oregon Educators

More information

Group Life and Accidental Death and Dismemberment Insurance

Group Life and Accidental Death and Dismemberment Insurance Group Life and Accidental Death and Dismemberment Insurance Active and Retired Clerical, Technical, Service and Maintenance STANDARD INSURANCE COMPANY A Stock Life Insurance Company 900 SW Fifth Avenue

More information

You never know what can happen on your shift. Is your family financially secure?

You never know what can happen on your shift. Is your family financially secure? You never know what can happen on your shift. Is your family financially secure? Benefits Division Group Life Insurance and Accidental Death & Dismemberment Insurance Group Life Insurance for CSFA Members

More information

Group Voluntary Accidental Death and Dismemberment Insurance

Group Voluntary Accidental Death and Dismemberment Insurance California Association of Professional Scientists Group Voluntary Accidental Death and Dismemberment Insurance California Association of Professional Scientists S T A N D A R D I N S U R A N C E C O M

More information

Voluntary Long Term Disability Insurance for Educators and Administrators

Voluntary Long Term Disability Insurance for Educators and Administrators Voluntary Long Term Disability Insurance for Educators and Administrators SAN ANTONIO INDEPENDENT SCHOOL DISTRICT Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE

More information

Your Choice Group Voluntary Long Term Disability Insurance

Your Choice Group Voluntary Long Term Disability Insurance Your Choice Group Voluntary Long Term Disability Insurance An Affordable Way To Safeguard Your Future Standard Insurance Company Group Long Term Disability Insurance About This Booklet This booklet is

More information

Group Term Life, AD&D, and Dependents Insurance

Group Term Life, AD&D, and Dependents Insurance Group Term Life, AD&D, and Dependents Insurance Professional Engineers In California Government STANDARD INSURANCE COMPANY This program is sponsored by the Professional Engineers in California Government

More information

NOTICE OF PROTECTION PROVIDED BY ILLINOIS LIFE AND HEALTH INSURANCE GUARANTY ASSOCIATION

NOTICE OF PROTECTION PROVIDED BY ILLINOIS LIFE AND HEALTH INSURANCE GUARANTY ASSOCIATION NOTICE OF PROTECTION PROVIDED BY ILLINOIS LIFE AND HEALTH INSURANCE GUARANTY ASSOCIATION This notice provides a brief summary description of the Illinois Life and Health Insurance Guaranty Association

More information

Voluntary Long Term Disability Insurance Answers to your questions about coverage from Standard Insurance Company

Voluntary Long Term Disability Insurance Answers to your questions about coverage from Standard Insurance Company Voluntary Long Term Disability Insurance Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY About This Booklet This booklet is designed to answer some common

More information

Group Voluntary Life Insurance

Group 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

Long Term Disability Insurance

Long Term Disability Insurance Long Term Disability Insurance Massachusetts Board of Higher Education STANDARD INSURANCE COMPANY Long Term Disability Insurance Answers to your questions about coverage from Standard Insurance Company

More information

Basic Life Insurance for Active Employees: $5,000. Your employer pays the premiums for this coverage.

Basic Life Insurance for Active Employees: $5,000. Your employer pays the premiums for this coverage. Section 4: Optional Benefits State of Oregon PEBB offers eligible employees the opportunity to select optional benefits. This section summarizes the following plans. Optional Employee and Spouse or Domestic

More information

Buy-up Long Term Disability Insurance

Buy-up Long Term Disability Insurance Buy-up Long Term Disability Insurance For the employees of Montana University System Answers To Your Questions About Coverage From Standard Insurance Company About This Booklet This booklet is designed

More information

Group Long Term Disability Insurance

Group Long Term Disability Insurance Group Long Term Disability Insurance The California State University S T A N D A R D I N S U R A N C E C O M P A N Y The following is a brief description of some of the coverage highlights for the California

More information

Your Life Insurance Guide

Your 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 information

Voluntary Short Term Disability Insurance CITY AND COUNTY OF DENVER

Voluntary Short Term Disability Insurance CITY AND COUNTY OF DENVER Voluntary Short Term Disability Insurance CITY AND COUNTY OF DENVER Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY About This Booklet This booklet is

More information

McAllen Independent School District Policy # 219632

McAllen 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 information

STANDARD INSURANCE COMPANY

STANDARD INSURANCE COMPANY STANDARD INSURANCE COMPANY A Stock Life Insurance Company 900 SW Fifth Avenue Portland, Oregon 97204-1282 (503) 321-7000 CERTIFICATE AND SUMMARY PLAN DESCRIPTION GROUP LIFE INSURANCE Policyholder: The

More information

Term Life Insurance and AD&D Coverage Highlights

Term 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 information

Voluntary Term Life Insurance and AD&D Coverage Highlights

Voluntary 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 information

CALIFORNIA LIFE AND HEALTH INSURANCE GUARANTEE ASSOCIATION ACT SUMMARY DOCUMENT AND DISCLAIMER

CALIFORNIA LIFE AND HEALTH INSURANCE GUARANTEE ASSOCIATION ACT SUMMARY DOCUMENT AND DISCLAIMER CALIFORNIA LIFE AND HEALTH INSURANCE GUARANTEE ASSOCIATION ACT SUMMARY DOCUMENT AND DISCLAIMER Residents of California who purchase life and health insurance and annuities should know that the insurance

More information

State 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 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 information

University of Mississippi Medical Center Policy # 111686-002

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

More information

Montana Chamber Choices Policy # 79372

Montana 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 information

Voluntary Short Term Disability Insurance

Voluntary Short Term Disability Insurance Voluntary Short Term Disability Insurance FOR EMPLOYEES OF THE STATE OF UTAH Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY About This Booklet This

More information

The School District of Volusia County Policy # 25156

The School District of Volusia County Policy # 25156 Basic and Supplemental Coverage Highlights ADR1879-2001 The School District of Volusia County Policy # 25156 The Basic and Supplemental Life Insurance coverage offered by the School District of Volusia

More information

Short Term Disability Insurance

Short Term Disability Insurance Short Term Disability Insurance For Employees Participating In OEBB Plans Standard Insurance Company Short Term Disability Insurance About This Brochure This brochure and the accompanying Oregon Educators

More information

Voluntary Long Term Disability Insurance FOR EMPLOYEES OF KENT STATE UNIVERSITY

Voluntary Long Term Disability Insurance FOR EMPLOYEES OF KENT STATE UNIVERSITY Voluntary Long Term Disability Insurance FOR EMPLOYEES OF KENT STATE UNIVERSITY Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY About This Booklet This

More information

Group Voluntary Accidental Death and Dismemberment Insurance

Group Voluntary Accidental Death and Dismemberment Insurance Group Voluntary Accidental Death and Dismemberment Insurance Professional Engineers In California Government STANDARD INSURANCE COMPANY This program is sponsored by the Professional Engineers in California

More information

North East Independent School District Policy # 148281

North 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 information

Pioneer Surgical Technology, Inc. Policy # 151666

Pioneer 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 information

Group Long Term Disability Insurance

Group Long Term Disability Insurance Group Long Term Disability Insurance For Active Members of New Mexico Public Schools Insurance Authority Answers To Your Questions About Coverage From Standard Insurance Company About This Booklet This

More information