Extra Protection For Your Family
|
|
- Marcus Elliott
- 5 years ago
- Views:
Transcription
1 MINNESOTA Extra Protection For Your Family Group Decreasing Term Life Insurance National Conference on Public Employee Retirement Systems The Prudential Insurance Company of America Ed. 0214
2 The Voice for Public Pensions Dear Member: Participating in a pension plan for public employees is a great first step to protecting your family s future. But, if you re like many, your needs may not be fully met by your pension plan. That s where the NCPERS Group Decreasing Term Life Insurance Plan can help. The plan is custom designed to give your family extra financial security when they need it most. A valuable member benefit regardless of your age, it offers supplemental protection, including: Decreasing Term Life Insurance For you. Accidental Death & Dismemberment Insurance For you. Dependent Term Life Insurance For your spouse or domestic partner and all of your eligible children. Plus, you get all of this protection for just $16 a month that s less than the cost of a cup of coffee per day. Our plan is issued by The Prudential Insurance Company of America (Prudential) a name you know and trust. We re pleased to offer you the opportunity to review your insurance needs and purchase supplemental insurance for you and your family. Don t miss out enroll today! Sincerely, + Extra Financial Security Designed especially for public employees like you, this voluntary plan offers a supplementary survivor s benefit to augment your retirement system s benefits. Solid as a Rock Since our plan s inception more than 40 years ago, Prudential has paid over $105 million to NCPERS members and their beneficiaries. The plan is well designed and financially sound, with plan reserves committed to maximize benefits to participants. It currently serves the needs of over 85,000 public employee retirement system members nationwide. For More Information Read on to find out Why you may need this extra protection. President What kind of coverage you can get. What it costs. Why you should buy it at work. How and when to enroll.
3 Why do I need extra protection? Protecting your family s future through your pension benefit is something you can feel good about. But, how would your family support themselves if something tragic happened to you before you could accrue a substantial pension benefit? Even if your pension was sizeable, how much of it would be eaten up by costly final expenses? Designed for employees of all ages, this Group Decreasing Term Life Insurance plan is valuable for Members Under 50: It provides a substantial benefit an easy way to supplement pension survivor benefits during the early family-building years when pension plan survivor benefits are lower and your family s needs are greatest. Members Over 50: It provides a good way to help cover incidental expenses associated with death like those for burial, medical, and debt, so other life insurance coverages can be used to maintain your family s lifestyle. What coverages can I get? For an affordable price, you get all of the following coverages for you and your family. Group Decreasing Term Life This coverage which pays your beneficiary a maximum benefit amount in your younger years and a gradually decreasing benefit amount in your older years will help give you peace of mind for your family s well-being. Accidental Death & Dismemberment (AD&D) This additional coverage pays you or your beneficiary a benefit for loss of life or other injuries resulting from a covered accident 100% for loss of life and a lesser percentage for other injuries. Injuries covered may include loss of sight and dismemberment of hands or feet. AD&D Exclusions No benefit will be paid due to loss from the following: war; suicide or attempted suicide; any bacterial or viral infection (unless the infection was the result of an accidental cut or wound); bodily or mental infirmity or disease, or medical or surgical treatment thereof; or by aircraft travel if you have any duties aboard the aircraft, or if you are giving or receiving training for such duties. Dependent Term Life This plan provides Group Decreasing Term Life Insurance for your spouse or domestic partner and a flat benefit for all of your dependent children. The benefit amount will be paid to you in a lump sum on an eligible dependent s death due to any cause. Spousal or domestic partner benefits are determined by your age at the time of your spouse s or domestic partner s death. Domestic partners may not be recognized in all states.
4 How much does this coverage cost? Coverage is available at a lower group cost through the purchasing power of the National Conference on Public Employee Retirement Systems. Every member, regardless of age, pays the same cost just $16 a month. Your cost does not increase with your age. The plan pays a maximum benefit amount in your younger years and a gradually decreasing benefit amount in your older years. What are the advantages of this insurance? Guaranteed Acceptance no health questions asked. 24/7 Coverage on or off the job. Affordable $16 a month regardless of your age. Easy Payment by automatic payroll deductions. Schedule of Benefits $16 Monthly Contribution (Covers You, Your Spouse or Domestic Partner, and Your Children) MEMBER DEPENDENT Member s Age at Time of Claim Group Term Life Group Accidental Death & Dismemberment Total Benefit For Accidental Death Group Term Life Spouse/Domestic Partner Child(ren)* Less than and over $225,000 $170,000 $65,000 $40,000 $30,000 $18,000 $12,000 $7,500 $7,500 $325,000 $270,000 $200,000 $165,000 $140,000 $130,000 $118,000 $112,000 $15,000 $20,000 $4,000 $20,000 $4,000 $20,000 $4,000 $18,000 $4,000 $15,000 $4,000 $10,000 $4,000 $7,000 $4,000 $5,000 $4,000 $4,000 $4,000 Monthly cost effective 6/1/2002. Payment Examples: 1. If an insured member age 38 dies of natural causes, the beneficiary would receive. If death is due to a covered accident, $200,000 would be payable. 2. If the spouse or domestic partner of a 42-year-old member dies, the member would receive $18, If a dependent child less than age 26 dies, the payment to the member would be $4,000. * Unmarried children age 14 days but less than 26 years old are covered, including adopted children, stepchildren, and foster children who depend on you for support. Dependents in military service are not eligible. For your convenience, payment is made by payroll deduction. Please send no money.
5 What special features are offered? Waiver of Premium If you are less than 60 years old and become totally disabled for at least nine months, your insurance may be continued without further premiums, as long as you furnish annual proof of your continued total disability satisfactory to Prudential. Accelerated Benefit Option* If you are terminally ill with a life expectancy of six months or less, you may receive up to 50% of your insurance benefits up to $112,500 in advance provided you ve been in the NCPERS plan for at least one year. The death benefit, payable to your beneficiary, will be reduced by that amount. Additional AD&D Benefits Education Benefit Seat Belt Benefit How can I enroll? You may enroll within 90 days of the date of your employment or during the open enrollment period. To enroll: Complete the enclosed Enrollment and Beneficiary Form, or Go to the Life Plan s link on the plan sponsor s website to obtain a printable copy of the form. Make certain to complete the form in full to avoid any problems with future claims submission. Submit your completed enrollment form to your employer. Your employer will begin payroll deductions and forward your enrollment information to HealthSmart Benefit Solutions, Inc. Air Bag Benefit Repatriation Benefit Conversion of Coverage If you cease to be a member, you can convert your insurance to a Prudential individual life policy within 31 days following termination of insurance. Dependent Spouse or Domestic Partner Term Life coverage can also be converted if you cease to be a member or die. Retirement Coverage Coverage can be continued into retirement if you are insured as an active member and will receive a benefit upon retiring. Simply authorize the retirement system to deduct your contributions from your retirement check.
6 More questions? Q. Is a medical exam required? A. No, you and your family are guaranteed coverage without having to answer any health questions or take any medical exams. Q. Does the plan pay in addition to a retirement system s survivor benefits? A. Yes, this plan will pay a benefit in addition to pension and other insurance plans you may have. Q. Who is eligible for this coverage? A. All active members of the retirement system who are actively at work may enroll. Q. When will my coverage go into effect? A. If you enroll within 90 days of your date of employment, you will become insured on the first day of the month following your first payroll deduction. If you enroll during the open enrollment period, your coverage begins on the first day of the month following your first payroll deduction after open enrollment. Your member coverage will be delayed if you are not actively at work on the coverage effective date. Instead, your coverage will begin on the date you meet the actively-at-work and other insurance requirements for covered members. Dependent coverage begins when your insurance coverage becomes effective. How do I get more information? For additional information about life insurance or how to file a claim, please contact: HealthSmart Benefit Solutions, Inc East Dry Creek Road, Suite 200 Englewood, CO Phone: Sign Up For This Exclusive Member Benefit TODAY! Q. When will my coverage end? A. Coverage will end if you discontinue payments, cease to be a member of the eligible classes, or if the plan is discontinued. Refer to the Booklet-Certificate for details Q. What if I want to change my beneficiary? A. To change your beneficiary, simply indicate your new designation on the Enrollment and Beneficiary Form and return it to your employer.
7 * Note The acceleration of life insurance benefits offered under this certificate is intended to qualify for favorable tax treatment under the Internal Revenue Code of 1986, IRC Section code 101(g). If the acceleration of life insurance benefits qualifies for such favorable tax treatment, the benefits will be excludable from your income and not subject to federal taxation. Tax laws relating to the acceleration of life insurance benefits are complex. You are advised to consult with a qualified tax advisor about circumstances under which you could receive acceleration of life insurance benefits excludable from income under federal law. If a dependent is confined for medical treatment, coverage will become effective when the dependent is released by a doctor from such confinement. Accelerated Death Benefit option is a feature that is made available to group life insurance participants. It is not a health, nursing home, or long-term care insurance benefit and is not designed to eliminate the need for those types of insurance coverage. The death benefit is reduced by the amount of the accelerated death benefit paid. There is no administrative fee to accelerate benefits. Receipt of accelerated death benefits may affect eligibility for public assistance and may be taxable. The federal income tax treatment of payments made under this rider depends upon whether the insured is the recipient of the benefits and is considered terminally ill. You may wish to seek professional tax advice before exercising this option. This brochure describes the Group Insurance Plan in a general manner. A Booklet-Certificate with complete plan information, including limitations and exclusions, will be provided when you enroll. If there is a discrepancy between this communication and the Booklet-Certificate issued by The Prudential Insurance Company of America, the Booklet-Certificate will govern. NCPERS is a non-profit organization that provides education and support to public employee retirement systems. NCPERS has no role in the administration of the life insurance program and the benefits are guaranteed solely by the insurance carrier. NCPERS is compensated solely for the use of its name, service marks, and mailing lists. Plan arranged and managed by Gallagher Benefit Services, Inc., the employee benefits division of Arthur J. Gallagher & Co. Gallagher receives compensation for the marketing and services they provide, which is discussed and disclosed annually with NCPERS. Group Decreasing Term Life Insurance, Dependent Group Decreasing Term Life Insurance, and Accidental Death & Dismemberment Insurance are issued by The Prudential Insurance Company of America, 751 Broad Street, Newark, New Jersey Contract Series: This AD&D policy provides ACCIDENT insurance only. It does NOT provide basic hospital, basic medical, or major medical insurance as defined by the New York Department of Financial Services. IMPORTANT NOTICE THIS POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS. The plan is administered by HealthSmart Benefit Solutions, Inc. Gallagher Benefit Services, Inc. and HealthSmart Benefit Solutions, Inc. are not affiliates of Prudential Prudential Financial, Inc. and its related entities. Prudential, the Prudential logo, and the Rock symbol are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide. Ver 07-MN Ed PDF
Extra Protection For Your Family
MINNES O T A * Note The acceleration of life insurance benefits offered under this certificate is intended to qualify for favorable tax treatment under the Internal Revenue Code of 1986, IRC Section code
Extra Protection For Your Family
ILLINOIS Extra Protection For Your Family Group Decreasing Term Life Insurance National Conference on Public Employee Retirement Systems The Prudential Insurance Company of America 0204989-00002-00 Ed.
Extra Protection For Your Family
IDAHO Extra Protection For Your Family Group Decreasing Term Life Insurance The Voice for Public Pensions The Prudential Insurance Company of America 0182925-00001-00 The Voice for Public Pensions Dear
NCPERS Family Protection Plus
NCPERS Family Protection Plus Group Decreasing Term Life Insurance For more information or to sign-up for the plan, please visit www.ncpersfamilyprotection.com OPEN ENROLLMENT CONTINUES THROUGH NOVEMBER
HOW TO ADMINISTER YOUR NCPERS GROUP LIFE INSURANCE PROGRAM
HOW TO ADMINISTER YOUR NCPERS GROUP LIFE INSURANCE PROGRAM ADMINISTRATOR NCPERS Group Life Administrator HealthSmart Benefit Solutions, Inc. 10303 E Dry Creek Rd, Suite 200 Englewood, CO 80112 1-800-525-8056
The Prudential Insurance Company of America
Basic Term Life Insurance Accidental Death and Dismemberment Insurance Optional Term Life Insurance Dependent Term Life Insurance Optional Accidental Death and Dismemberment Insurance The Prudential Insurance
Y O U R E N R O L L M E N T K I T GROUP INSURANCE. Group Universal Life Dependent Term Life. Issued by The Prudential Insurance Company of America
Y O U R E N R O L L M E N T K I T GROUP INSURANCE Group Universal Life Dependent Term Life Issued by The Prudential Insurance Company of America California Resources Corporation (CRC) All Regular Full-Time
GROUP INSURANCE STATE OF LOUISIANA
Y O U R E N R O L L M E N T K I T GROUP INSURANCE Basic Term Life Insurance Basic Term Life & Supplemental Term Life Insurance Accidental Death & Dismemberment (AD&D) Insurance Dependent Term Life Insurance
State of Louisiana All Employees
State of Louisiana All Employees Basic Term Life Insurance Basic plus Supplemental Term Life Insurance Accidental Death and Dismemberment Insurance Dependent Term Life Insurance The Prudential Insurance
The Prudential Insurance Company of America
The Prudential Insurance Company of America Record Keeping Services PO Box 13676 Philadelphia, PA 19176 (800) 778-3827 Dear New Uniformed Firefighter: The City of Chicago is committed to offering a benefits
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
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
Life. Group Term Life Plans Group Sizes 2 or more. Underwritten by BEST Life and Health Insurance Co. LIFE-081809
Group Term Plans Group Sizes 2 or more Underwritten by BEST and Health Insurance Co. LIFE-081809 Insurance for Protection Group Term insurance provides valuable and affordable group benefits, providing
Symetra Life Insurance Plan for County of Albemarle
Symetra Life Insurance Plan for County of Albemarle - Employee Plan - For You Symetra s Group Term Life Insurance is a yearly renewable, supplemental group term life insurance with monthly premium rates
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.
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
New York Medical College Policy and Procedure Manual
Section: HUMAN RESOURCES Date: May 23, 2008 Subject: LIFE INSURANCE Page 1 of 9 I. Purpose New York Medical College Policy and Procedure Manual Supercedes: 7/20/93 To establish an employee benefit plan
Group Term Life Insurance Plan
STATE BAR OF WISCONSIN Group Term Life Insurance Plan Affordable group term life insurance, approved by the State Bar of Wisconsin as a benefit of your membership. 0232921 STATE BAR OF WISCONSIN Group
UPS The Flexible Benefits Plan
Enrollment Kit You Have a Lot to Protect UPS The Flexible Benefits Plan Supplemental Term Life Insurance with Accidental Death & Dismemberment Insurance Supplemental Dependent Term Life Insurance with
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
Financial Protection for You and Your Loved Ones
Financial Protection for You and Your Loved Ones Basic Employer-Paid Life Insurance Optional Employee-Paid Life Insurance Dependent Employee-Paid Life Insurance Voluntary Accidental Death & Dismemberment
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
Group Term Life insurance
Group Term Life insurance www.buymbp.com (518) 785-1900, ext. 243, or (800) 342-4306, ext. 243 Group Term Life Insurance When it comes to protecting the financial security of your loved ones, nothing is
Group Term Life Plan
A benefit of your Bar Association membership! Middlesex County Bar Association Group Term Life Plan Affordable Term Life Insurance available to eligible attorneys as a benefit of your membership. 0239013-00001-00
MetLife Group Life Insurance
State of Maryland s Plan Benefits Explore the coverage that makes it easy to give yourself and your loved ones more security today and in the future. Your Supplemental Term Life Insurance Coverage Options
Term. Life. plan. Affordable Term Life Insurance, available as a benefit of your State Bar of Texas membership. 0275158-00001-00
Term Life plan Affordable Term Life Insurance, available as a benefit of your State Bar of Texas membership. 0275158-00001-00 TERM LIFE PLAN Protection for the life you ve built There s an easy way to
Aflac Group Whole Life
Aflac Group Whole Life INSURANCE Most people think of life insurance as a benefit for the future. Let us show you how it can help provide peace of mind right now. The State Employee s Association of North
Visa Inc. MetLife Life and AD&D Insurance Plan. Summary of Benefits for Employees
Visa Inc. MetLife Life and AD&D Insurance Plan Summary of Benefits for Employees Effective January 1, 2013 MetLife Life and AD&D Insurance Plan 1 Table of Contents BENEFITS UNDER THE LIFE AND AD&D PLAN...
Supplemental Life and AD&D Insurance Benefit Highlights
Supplemental Life and AD&D Insurance Benefit Highlights Benefit Highlights Southern Orthopedic Associates What is supplemental life and AD&D insurance? Am I eligible? When can I enroll? When is it effective?
Help Protect Your Most Valuable Asset Your Income
Help Protect Your Most Valuable Asset Your Income NJEA Endorsed Disability Insurance Program For enrollments on and after October 1, 2012 The Prudential Insurance Company of America 02046-00002-00 Think
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
2014 Life Insurance Guide
2014 Life Insurance Guide Worldwide Assurance for Employees of Public Agencies www.waepa.org Guide 2014 Life Insurance Guide 2014 Life Insurance Guide Published by, Worldwide Assurance for Employees of
Overview. Survivor Insurance
Overview Survivor Insurance Survivor Insurance Boston University offers you insurance plans that provide benefits to help maintain financial security for your beneficiaries in the event of your death.
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
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
SUMMARY OF BENEFITS. Amount One Times Annual Salary rounded to the next higher $1,000. Minimum Amount $10,000. Maximum Amount $100,000
Group Life Insurance SUMMARY OF BENEFITS Life and AD&D Sponsored by: University of Dallas Life Amount One Times Annual Salary rounded to the next higher $1,000 Minimum Amount $10,000 Maximum Amount $100,000
Plan Summary CINTAS CORPORATION
CINTAS CORPORATION Plan Summary Optional Term Life, Spouse Dependent Term Life, Child Dependent Term Life, Optional Accidental Death & Dismemberment, Long Term Disability and Short Term Disability Full
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
Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA
Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA Howard University and Howard University Hospital D.B.A. Howard University, Inc. YOUR GROUP LIFE INSURANCE CONTAINS AN ACCELERATED
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
Bandera ISD Basic Life / AD&D Plan
Bandera ISD Basic Life / AD&D Plan Underwritten by: 4 Ever Life Insurance Company Administered by: Bay Bridge Administrators, LLC Eligibility: This program of Group Term Life Insurance is available to
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
Group Whole Life 1-877-VIP-CSEA. Valuable Insurance Programs. Administered by. Sponsored by
Group Whole Life 1-877-VIP-CSEA Valuable Insurance Programs Sponsored by Administered by Important Benefits for CSEA members The Civil Service Employees Association (CSEA) is committed to providing its
Continuing Your Group Term Life Insurance Coverage. The Prudential Insurance Company of America (Prudential) 0280134
Continuing Your Group Term Life Insurance Coverage The Prudential Insurance Company of America (Prudential) 0280134 INTRODUCTION Now that YOU* may no longer be eligible for group life insurance coverage
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
Term Life Insurance. Developed for the Employees of Iona College. 811761 a 06/12
Term Life Insurance Developed for the Employees of Iona College 811761 a 06/12 Who Needs Life Insurance? You do. Single or married. Buying your first home or preparing for retirement. Raising children
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
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
State of Louisiana. Employee Term Life Coverage Accidental Death and Dismemberment Coverage Dependents Term Life Coverage
State of Louisiana Employee Term Life Coverage Accidental Death and Dismemberment Coverage Dependents Term Life Coverage Foreword We are pleased to present you with this Booklet. It describes the Program
) Your benefit enrollment is coming soon. What would your family do without your income?
Term life and AD&D insurance Employee purchase What would your family do without your income? Unum s term life and AD&D insurance can help. Better prepared for the future Jarrod and Amy have two careers,
NORTHERN NEW ENGLAND BENEFIT TRUST LIFE INSURANCE ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE LF6 PLAN UNION PERSONNEL
NORTHERN NEW ENGLAND BENEFIT TRUST LIFE INSURANCE ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE LF6 PLAN UNION PERSONNEL LIFE INSURANCE ACCIDENTAL DEATH AND DISMEMBERMENT Life Insurance Benefit LF6 All Active
Life Insurance Protection for Your Working Years
Life Insurance Protection for Your Working Years Issued by Pruco Life Insurance Company or, in New York if available, by Pruco Life Insurance Company of New Jersey. 0194055 0194055-00001-00 WorkLife 65
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
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
Basic Term Life and Accidental Death and Dismemberment Insurance (AD&D)
Chico Research Foundation Plan Benefits Explore the coverage that makes it easy to give yourself and your loved ones more security today and in the future. Basic Term Life and Accidental Death and Dismemberment
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
American United Life Insurance Company Indianapolis, Indiana 46206-0368 Certifies that it has issued and delivered a Policy numbered G 2535(T) E to:
American United Life Insurance Company Indianapolis, Indiana 46206-0368 Certifies that it has issued and delivered a Policy numbered G 2535(T) E to: Fifth Third Bank, Indiana, Trustee For The American
Continuing Your Group Term Life Insurance Coverage. The Prudential Insurance Company of America (Prudential) 0177151
Continuing Your Group Term Life Insurance Coverage The Prudential Insurance Company of America (Prudential) 0177151 INTRODUCTION Now that YOU* may no longer be eligible for group life insurance coverage
MetLife Supplemental Life Insurance
Westminster College Plan Benefits Explore the coverage that makes it easy to give yourself and your loved ones more security today and in the future. Basic Life and Accidental Death and Dismemberment Insurance
10-YEAR AND 20-YEAR LEVEL TERM LIFE INSURANCE PLANS. Underwritten by New York Life Insurance Company. Designed by Veterinarians for Veterinarians
10-YEAR AND 20-YEAR LEVEL TERM LIFE INSURANCE PLANS Designed by Veterinarians for Veterinarians Valuable Benefits. Remarkable Service. Underwritten by New York Life Insurance Company WE VE GOT YOU COVERED
For more information, please refer to the Product Features and Services section at the end of this booklet.
Getting Started Meeting your coverage needs is simple. Review your options by following these easy steps. 1. Determine how much life insurance coverage you may need by using the needs assessment tool on
IN THIS SECTION SEE PAGE. Diageo: Your 2015 Employee Benefits 103
Diageo: Your 2015 Employee Benefits 103 Life Insurance and Accidental Death & Dismemberment (AD&D) The Life Insurance and Accidental Death and Dismemberment (AD&D) Plans at Diageo NA provide financial
Saudi Arabian Oil Company (Saudi Aramco)
Saudi Arabian Oil Company (Saudi Aramco) U.S. Dollar Payroll Group Life Insurance Plan January 1, 2016 January 1, 2016 GROUP INSURANCE PLAN WHO IS ELIGIBLE... 1 HOW TO PARTICIPATE... 1 COST AND FUNDING...
New Employee Enrollment. COMMONWEALTH OF KENTUCKY Enrollment Brochure and Booklet Certificate
New Employee Enrollment COMMONWEALTH OF KENTUCKY Enrollment Brochure and Booklet Certificate Group Term Life Insurance The Commonwealth of Kentucky is pleased to offer you Group Term Life Insurance and
Table of Contents. Section 4: Disability
Table of Contents Section 4: Disability YOUR CALTECH DISABILITY BENEFITS... 4.1 Short Term Disability... 4.1 Paid Family Leave... 4.1 Long Term Disability... 4.1 YOUR BASIC AND SUPPLEMENTAL LONG TERM DISABILITY
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
Summary Plan Description
1199SEIU National Benefit Fund for Home Care Employees Summary Plan Description of Your Health and Welfare Benefits SECTION IV LIFE INSURANCE BENEFIT Home Care members were not eligible for a Life Insurance
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
Voluntary Life Insurance with Accidental Death and Dismemberment (AD&D) SUMMARY OF BENEFITS
Westminster College Voluntary Life Insurance with Accidental Death and Dismemberment (AD&D) SUMMARY OF BENEFITS Sponsored by: Westminster College Life Benefit Employee Spouse Dependent Amount Choice of
Voluntary Life Insurance with Accidental Death and Dismemberment (AD&D) SUMMARY OF BENEFITS
Voluntary Life Insurance with Accidental Death and Dismemberment (AD&D) SUMMARY OF BENEFITS Sponsored by: Lane Community College Life Benefit Employee Spouse Dependent Amount Choice of $10,000 increments
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
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?
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
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
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
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
Basic & Voluntary Term Life, Basic & Voluntary Personal Accident Insurance Overview
Basic & Voluntary Term Life, Basic & Voluntary Personal Accident Insurance Overview Prepared for the employees of Lane Community College Basic Term Life Insurance Coverage What would happen to your family
Life Insurance and AD&D
Life Insurance and AD&D The plan provides you with life and accident coverage that gives you and your family protection against some of the financial hardships that can occur if you become injured or die.
United of Omaha Life Insurance Company A Mutual of Omaha Company. voluntary term life insurance. work. for you UGC8914_0409
United of Omaha Life Insurance Company A Mutual of Omaha Company voluntary term life insurance Benefits work that for you UGC8914_0409 Eligibility All full-time employees, who are citizens or permanent
Voluntary Term Life Benefit Summary
Policyholder: Linfield College Voluntary Term Life Benefit Summary Effective Date: 04/01/2015 This chart provides you a brief summary of the key benefits of the life coverage available from Principal Life
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
Life Insurance Plan. Affordable group term life coverage exclusively for ASCAP members and their spouse.
Affordable group term life coverage exclusively for ASCAP members and their spouse. MusicPr o Life Insurance Plan An exclusive benefit of your membership affordable Group Term Life Insurance, endorsed
You don t need a medical exam. You don t need your doctor to send in your medical records.
Office of the Administrator P.O. Box 14464 Des Moines, IA 50306-8993 Dear, The enclosed Enrollment Form confirms your eligibility status in connection to a valuable new benefit offer extended exclusively
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
Disability insurance endorsed by the State Bar of Texas Insurance Trust as a benefit of your membership. 0257930-00001-00
Disability insurance endorsed by the State Bar of Texas Insurance Trust as a benefit of your membership. 0257930-00001-00 LONG TERM DISABILITY PLAN Long Term Disability Insurance Helps Protect You and
WCBA. Member Term Life Plan. Westchester County Bar Association. A benefit of your Bar Association membership! Affordable Term Life Insurance
A benefit of your Bar Association membership! Member Term Life Plan Affordable Term Life Insurance available through your Association as a benefit of your membership. WCBA 0197234-00004-00 Member Term
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
Monthly Cost for Voluntary Accidental Death & Dismemberment (AD&D) Insurance:
UMB Financial Corporation Plan Benefits Explore the coverage that makes it easy to give yourself and your loved ones more security today and in the future. Voluntary Accidental Death and Dismemberment
Egyptian Area Schools term life insurance program
FOR GROUP BENEFITS EduBenefit Egyptian Area Schools term life insurance program Supplemental group term life insurance SM Help secure their futures You can help make sure your loved ones can continue to
LIFE INSURANCE SUMMARY
LIFE INSURANCE SUMMARY Your family can count on your paycheck to meet day-to-day expenses while you are actively at work, but it is important to plan for their financial security in the event of your death.
PLAN DESCRIPTION for the Members of WORLDWIDE ASSURANCE FOR EMPLOYEES OF PUBLIC AGENCIES, INC.
PLAN DESCRIPTION for the Members of WORLDWIDE ASSURANCE FOR EMPLOYEES OF PUBLIC AGENCIES, INC. Underwritten by LIFE INSURANCE COMPANY OF NORTH AMERICA Philadelphia, Pennsylvania. A Stock Insurance Company,
Group Term Life. Post-tax Benefits IN THIS SECTION: Basic Life Insurance. Personal Accident Insurance Optional Life Insurance. Basic Life Insurance
IN THIS SECTION: Basic Life Insurance Personal Accident Insurance Optional Life Insurance Plan Provider: Underwritten by Metropolitan Life Insurance Company (MetLife). The School District of Palm Beach
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
Age-band. Age-band Spouse. Uni-tobacco Uni-tobacco Uni-tobacco Uni-tobacco Uni-tobacco
LAKEVILLE ISD 194: Group Term Life with Waiver of Premium and AD&D for, Spouse and Dependent Children $10,000 $25,000 $50,000 $100,000 $200,000 0-24 25-29 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65-69
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
Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA
Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA Health Science Campus - Life Insurance GROUP POLICY NUMBER - 234782-001 BOOKLET EFFECTIVE DATE - January 1, 2014 BOOKLET AMENDMENT
N.C. Teachers and State Employees Retirement System. Employee resumes participation in TSERS; payroll deductions resume.
North Carolina State Military Leave and Reemployment Rights (For policy on Military Leave, please review http://www.ncsu.edu/policies/employment/leave/military_leave.php ) Benefit Military Leave With Full