IU VOLUNTARY BENEFITS PROGRAM

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "IU VOLUNTARY BENEFITS PROGRAM"

Transcription

1 Long-Term Care Insurance Short-Term Disability Insurance Critical Illness Insurance Vision Wear Program Auto, Home, and Renters Insurance The Home Mortgage Program ID TheftSmart TM Program Pet Insurance IU VOLUNTARY BENEFITS PROGRAM Full-Time and Part-Time Academic and Staff Employees, Graduate Assistants, and Retirees

2 Indiana University is committed to offering a benefits program that provides value while containing costs. This commitment includes taking advantage of IU s size to offer optional benefit plans at attractive group rates. IU employees, Graduate Assistants, and Retirees now have access to a greater variety of plans in this offering of the IU Voluntary Benefits Program. This program is designed around products that can help save money and protect assets. This brochure provides an overview of each plan and its features. For details, visit The Web site includes premiums based on factors such as type of coverage, age, and effective dates. Plans in this program are fully paid by the enrollee. Most plans can be paid for by a single, after-tax payroll deduction. SPECIAL ENROLLMENT PERIOD The first opportunity to select Voluntary Benefits begins September 1. September 1 to September 30, 2009, is a special enrollment period allowing enrollment in certain plans with more favorable conditions regarding proof of good health. During the month of September and anytime thereafter, enrollment can be done online at Auto, Home, and Renters Insurance requires a brief phone call to confirm premium, coverage, and effective date. Enrollees can also call to speak with a customer service representative, Monday through Friday, from 9 a.m. to 6 p.m. Eastern time. The groups listed below are eligible for the checked benefits. Eligible family members will be listed in the part of the plan description. Plan Full-time Employees Part-time Employees* Graduate Assistants Retirees Long-term Care Insurance Short-term Disability Insurance (Staff only) Critical Illness Insurance Vision Wear Program Auto/Home/Renters Insurance Employee Mortgage Program ID TheftSmart TM Pet Insurance *Employees appointed to 50% FTE or more. The IU Voluntary Benefits Program is provided through Marsh Voluntary Benefits (not associated with Marsh Supermarkets) and offered to employees, Graduate Assistants, and Retirees of Indiana University on a voluntary basis. Indiana University does not endorse any of the benefits offered through this program. Marsh Voluntary Benefits, and not Indiana University, is the administrator of the program. Indiana University will provide the program administrator with the necessary records and information to verify eligibility under the program. Indiana University reserves the right to amend or terminate all or any part of this plan.

3 LONG-TERM CARE INSURANCE Long-term care insurance offers important coverage that is generally not provided under medical and long-term disability (LTD) benefits or fully covered through Medicare or Medicaid. A Group Long-Term Care Insurance plan from John Hancock will help an individual manage the expenses associated with a nursing home stay and home health care. Long-term care can become necessary if an employee needs assistance with activities of daily living, like eating and dressing. The need for long-term care services can occur at any point during an individual s life due to an accident or illness. Coverage is purchased in Daily Maximum Benefits (DMB). The DMB is the most the insurance may pay for covered services received on any day. Individuals choose the amount they would like to have available per day. There is a choice of five DMBs: $100, $150, $200, $250, $300. Each DMB has a 5-year benefit duration. During the Special Enrollment Period, employees in pay status do not need to provide proof of good health. All other eligible individuals (including employees enrolling after the Special Enrollment Period) must provide proof of good health. Those employees enrolling during the Special Enrollment Period, September 1 to September 30, 2009, will have a November 1, 2009 effective date if they meet all applicable eligibility requirements. Full-time and part-time employees and Retirees and their spouses/domestic partners, parents, grandparents, adult children, and certain other family members. SHORT-TERM DISABILITY INSURANCE Short-term disability coverage helps employees protect their income if they experience a disability that results from a non-work related accident, illness, or health condition. Once the employee s paid time-off has been used, short-term disability benefits pay weekly benefits equal to 60 percent of the employee s salary up to a maximum of 90 days from the date of disability. This benefit underwritten by The Standard is paid directly to the employee to help cover expenses. This plan requires a minimum number of employees to participate in order for it to be viable. Should enrollment be lower than the minimum, enrollees will be notified. This plan is not available for individuals to keep upon separation of employment with Indiana University. During the Special Enrollment Period, employees can enroll with an effective date of coverage on November 1, 2009, and the minimum waiting period for benefits to begin is 15 days from the date of disability. When enrolling after the Special Enrollment Period, there is a 60-day waiting period for illness disability only during the first 12 months of coverage. Full-time Staff employees only.

4 CRITICAL ILLNESS INSURANCE Medical insurance covers many expenses associated with critical illness. However, there are many other expenses to consider such as deductible and co-insurance costs and everyday living expenses. This plan offered by Unum provides financial relief to an already stressful situation by providing a lump-sum payment. The payment can be used at the insured s discretion upon diagnosis of a covered serious illness, regardless of any other insurance coverage the employee may have. Covered conditions include: Cancer Heart attack Stroke Carcinoma in situ Coronary artery bypass surgery End stage renal (kidney) failure Blindness Major organ failure Benign brain tumor Coma as the result of Permanent paralysis as the result of severe traumatic brain injury a covered accident See policy definitions for complete details about these covered conditions. Coverage may be purchased in lump sum benefit amounts between $5,000 and $50,000 for employees, and $5,000 and $30,000 for spouses/domestic partners. Dependent children are covered on the employee s plan with benefits of 25 percent of the employee s coverage. During the Special Enrollment Period, employees can enroll in up to $10,000 of guarantee issue coverage (without answering health questions), and a spouse/domestic partner can enroll by answering a few health questions. The effective date is November 1, For higher coverage amounts and enrollments beginning after the Special Enrollment Period, a full medical questionnaire is required. Full-time and part-time employees and their spouses/domestic partners and children. This insurance provides limited benefits. The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations which may affect any benefits payable. Underwritten by: Unum Life Insurance Company of America. CU-9364 VISION WEAR PROGRAM This vision wear program offered by EyeMed Vision Care provides benefits and discounts for glasses and contacts with services received from private ophthalmologists and optometrists and retail optical providers. Benefits and discounts are given at the time of service or when a purchase is made. The best value is when an EyeMed Vision Care network doctor is used. This plan is not available for individuals to keep upon separation of employment with Indiana University. Participants must enroll during the Special Enrollment Period for vision coverage beginning November 1, 2009, through the end of The next opportunity to begin or end coverage will be the annual enrollment period in October/November, 2010, with an effective date of January 1, Full-time and part-time employees, Graduate Assistants, and Retirees are the primary eligible individuals. Spouses/domestic partners and children may be covered only when the primary individual is enrolled in a coverage level that includes dependents. Underwritten by Fidelity Security Life Insurance Company of Kansas City, Missouri, except in New York. This is a snapshot of your benefits. The Certificate of Insurance is on file with the employer.

5 AUTO, HOME, and RENTERS INSURANCE The Auto, Home, and Renters program is an innovative solution that delivers multiple choices and savings on insurance along with personalized customer service. Individuals can receive multiple, side-by-side quotes and special group discounts from three of the nation s most respected insurance companies. Individuals receive reduced premiums on a wide variety of insurance policies including automobile, motorcycle, homeowners, condominium, mobile homes, renters, boats, recreational vehicles, personal excess liability, and flood insurance. Additional discounts based on individual circumstances include: - Payroll deduction discount - Multi-policy discount - Multi-vehicle discount - Anti-theft device discount Ability to compare quotes from four insurance companies with one phone call or one visit to the Web site Coverage can begin as early as the next day More information about this option will be mailed in late September. Starting October 1, 2009, web enrollment options will be available followed by a brief phone call required to confirm premium, coverage, and effective date. Full-time and part-time employees, Graduate Assistants, and Retirees and their spouses/domestic partners and dependent children under age 23. THE HOME MORTGAGE PROGRAM The Home Mortgage Program, a benefit provided by Wells Fargo Home Mortgage to employees, Graduate Assistants, and Retirees of Indiana University and their immediate family members, provides access to home financing that can help advance immediate and long-term financial goals. Competitive interest rates Purchase or refinance loans Wells Fargo Closing Guarantee SM1 Flexible loan terms and payment options Wide range of home financing solutions including reverse mortgage programs for senior homeowners age 62 or older Eligible individuals may apply for a Wells Fargo Home Mortgage at any time. Full-time and part-time employees, Graduate Assistants, Retirees, and their spouses/domestic partners. Eligible participants must qualify for financing. 1 Available on all qualified purchase transactions. Other terms and conditions apply. See a home mortgage consultant for details.

6 ID THEFTSMART TM PROGRAM The process of restoring one s identity can be overwhelming and time-consuming, and victims can spend hundreds of hours working to restore their name and credit file information after an identity fraud occurs. The ID TheftSmart program provides continuous monitoring of an individual s credit report. If an individual finds out that her/his identity has been tampered with, the Licensed Investigators at ID TheftSmart will provide assistance. An ID TheftSmart membership includes: A tri-merged credit report from all three national credit repositories Confidential Credit Smart Score, including up to four factor descriptions that help explain why a credit score is as it appears Access to a continuous credit monitoring service that will alert the member to five types of credit activity commonly associated with identity theft Assistance of professional Licensed Investigators to consult with the member who has questions or concerns about identity theft and fraud, and to perform searches of non-credit databases. If the member becomes a victim of identity fraud, the Investigator will restore his or her identity to pre-theft status Enrollment can take place at any time. Full-time and part-time employees, Graduate Assistants, and Retirees and their spouses/domestic partners. ID TheftSmart is offered by Kroll Inc. and Marsh Affinity Group Services, a service of Seabury & Smith, Inc. (Marsh). PET INSURANCE Treatment for a pet can cost hundreds or thousands of dollars. A pet insurance policy from Veterinary Pet Insurance (VPI), a licensed property and casualty insurance company that has been protecting pets since 1982, offers pet medical care insurance at affordable costs. Policies for dogs, cats, ferrets, rabbits, reptiles and other exotic pets A choice of different coverage levels with or without routine care 5 percent discount on the core policy 10 percent discount if two or three pets are enrolled in a household 15 percent discount if four or more pets are enrolled in a household Optional routine care coverage Free to choose any licensed veterinarian anywhere, even when the pet owner is away from home Enrollment can take place at any time. Note that pre-existing conditions are not covered. Full-time and part-time employees, Graduate Assistants, and Retirees and their spouses/domestic partners. Underwritten by: Veterinary Pet Insurance Co. (CA), Brea, CA, National Casualty Co. (Nat l), Madison, WI, an A+15 rated company B7279 (8/09) Seabury & Smith, Inc. 2009

The Texas A&M University System FY 2012 Voluntary Benefits

The Texas A&M University System FY 2012 Voluntary Benefits The Texas A&M University System FY 2012 Voluntary Benefits 53523 (5/11) Seabury & Smith, Inc. 2011 Offered through Marsh Voluntary Benefits, a service of Seabury & Smith, Inc. AR Ins. Lic. #245544 CA Ins.

More information

ROCHESTER INSTITUTE OF TECHNOLOGY

ROCHESTER INSTITUTE OF TECHNOLOGY ROCHESTER INSTITUTE OF TECHNOLOGY Voluntary Programs Table of Contents Long-Term Care Insurance...2 Mercer Voluntary Benefits (group auto, homeowners and personal lines of insurance)...2 New York s 529

More information

Voluntary Benefits for MITRE Employees

Voluntary Benefits for MITRE Employees Voluntary Benefits for MITRE Employees Programs and services designed with you in mind. As an employee of MITRE, you have access to a comprehensive voluntary benefits program. The programs and services

More information

FURMAN UNIVERSITY. Special Benefits Open Enrollment April 14, 2015 April 24, 2015

FURMAN UNIVERSITY. Special Benefits Open Enrollment April 14, 2015 April 24, 2015 FURMAN UNIVERSITY Special Benefits Open Enrollment April 14, 2015 April 24, 2015 Dear Furman University Faculty and Staff, At Furman University, we believe your benefits make a difference to you, your

More information

If you have an accident, will it hurt your bank account too?

If you have an accident, will it hurt your bank account too? Group accident insurance With wellness benefit If you have an accident, will it hurt your bank account too? Unum s accident insurance gives you something to fall back on. Life can take a tumble. With a

More information

HOW TO ENROLL ELIGIBILITY IMPORTANT INFORMATION ABOUT OUR NEW VOLUNTARY BENEFITS PLATFORM

HOW TO ENROLL ELIGIBILITY IMPORTANT INFORMATION ABOUT OUR NEW VOLUNTARY BENEFITS PLATFORM YOUR 2014 VOLUNTARY BENEFITS Protecting your financial well-being is just as important as taking care of your health. In addition to the core benefits Carolinas HealthCare System offers, such as medical,

More information

January 1, 2009. Choice Auto and Home Insurance Program MMC

January 1, 2009. Choice Auto and Home Insurance Program MMC January 1, 2009 Choice Auto and Home Insurance Program MMC Choice Auto and Home Insurance Program Marsh Voluntary Benefits, an MMC Company formerly known as Marsh @WorkSolutions, offers you the Choice

More information

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

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

More information

Voluntary Benefits Program

Voluntary Benefits Program Voluntary Benefits Program Highlights of the 2012 Voluntary Benefits Program Short-Term Disability Coverage Critical Illness Insurance Hospital Confinement Indemnity Insurance Legal Services Plan Auto

More information

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

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

More information

RETIREE NEWS SPRING 2009 DIRECT BILLING FOR PAYMENT OF YOUR MEDICAL PREMIUMS NEW DISCOUNT VISION PLAN FOR RETIREES NEW BENEFIT!

RETIREE NEWS SPRING 2009 DIRECT BILLING FOR PAYMENT OF YOUR MEDICAL PREMIUMS NEW DISCOUNT VISION PLAN FOR RETIREES NEW BENEFIT! RETIREE NEWS SPRING 2009 NEW DISCOUNT VISION PLAN FOR RETIREES Effective 4/1/09, NYU partnered with a nationally recognized vision plan: VSP. You and your dependents covered under your medical plan are

More information

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

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

More information

ANDREWS UNIVERSITY EMPLOYEE BENEFITS OPEN ENROLLMENT 2014

ANDREWS UNIVERSITY EMPLOYEE BENEFITS OPEN ENROLLMENT 2014 ANDREWS UNIVERSITY EMPLOYEE BENEFITS OPEN ENROLLMENT 2014 PLAN REPORT CARD HOW ARE WE DOING??? PLAN YEAR COSTS 7000000 6000000 5000000 4000000 3000000 2000000 1000000 0 05/06 06/07 14/15 13/14 12/13 11/12

More information

Term Life Insurance. Interest Sensitive Whole Life Employee Life Option (ELOP) 40 frederick memorial hospital

Term Life Insurance. Interest Sensitive Whole Life Employee Life Option (ELOP) 40 frederick memorial hospital 40 frederick memorial hospital Term Life Insurance There is no way to know what will happen tomorrow, but there is a way to help protect your family against the unexpected. Colonial Life s Term Life 1000

More information

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

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

More information

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

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

More information

Benefits Handbook Date November 1, 2011. Group Umbrella Liability Insurance Plan Marsh & McLennan Companies

Benefits Handbook Date November 1, 2011. Group Umbrella Liability Insurance Plan Marsh & McLennan Companies Date November 1, 2011 Group Umbrella Liability Insurance Plan Marsh & McLennan Companies Group Umbrella Liability Insurance Plan This optional insurance provides additional liability coverage above the

More information

Please review the Website Disclaimer for important information about the contents of this page.

Please review the Website Disclaimer for important information about the contents of this page. Please review the Website Disclaimer for important information about the contents of this page. Accident Accident coverage is designed to help cover the expenses associated with a covered accidental injury.

More information

January 1, 2009. Group Umbrella Liability Insurance Plan MMC

January 1, 2009. Group Umbrella Liability Insurance Plan MMC January 1, 2009 Group Umbrella Liability Insurance Plan MMC Group Umbrella Liability Insurance Plan This optional insurance provides additional liability coverage above the limits of your personal insurance,

More information

PHYSICIAN BENEFITS SUMMARY. In the new world of health care, Steward Health Care System has you and your family covered.

PHYSICIAN BENEFITS SUMMARY. In the new world of health care, Steward Health Care System has you and your family covered. PHYSICIAN BENEFITS SUMMARY In the new world of health care, Steward Health Care System has you and your family covered. DEAR COLLEAGUE, Steward Health Care understands that selecting a health care organization

More information

Assurant Supplemental Coverage

Assurant Supplemental Coverage TEXAS Assurant Supplemental Coverage Plans that pay cash benefits right to you Time Insurance Company Assurant Health is the brand name for products underwritten and issued by Time Insurance Company. Cash

More information

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

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

More information

Benefits Handbook Date January 1, 2010. Choice Auto and Home Insurance Program MMC

Benefits Handbook Date January 1, 2010. Choice Auto and Home Insurance Program MMC Date January 1, 2010 Choice Auto and Home Insurance Program MMC Choice Auto and Home Insurance Program Marsh Global Consumer, an MMC Company formerly known as Marsh Voluntary Benefits, offers you the Choice

More information

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

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

More information

Optional Group Critical Illness. Financial support at a critical time

Optional Group Critical Illness. Financial support at a critical time Optional Group Critical Illness Financial support at a critical time Medical advances have greatly increased the ability of Canadians to survive a critical illness. However, few of us are prepared for

More information

Compass Critical Illness Insurance A limited benefit policy

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

More information

CHE Plus Benefits. Customized Voluntary Benefits for You and Your Family. C h o i c e s Op t i o n s Co n v e n i e n c e www.cheplusbenefits.

CHE Plus Benefits. Customized Voluntary Benefits for You and Your Family. C h o i c e s Op t i o n s Co n v e n i e n c e www.cheplusbenefits. CHE Plus Benefits Customized Voluntary Benefits for You and Your Family C h o i c e s Op t i o n s Co n v e n i e n c e www.cheplusbenefits.com Welcome to CHE Plus Benefits To: Eligible Colleagues of Catholic

More information

Benefits Handbook Date July 1, 2015. Choice Auto and Home Insurance Program Marsh & McLennan Companies

Benefits Handbook Date July 1, 2015. Choice Auto and Home Insurance Program Marsh & McLennan Companies Date July 1, 2015 Choice Auto and Home Insurance Program Marsh & McLennan Companies Choice Auto and Home Insurance Program Mercer Health & Benefits Administration offers you the Choice Auto and Home Insurance

More information

Employee Benefits Open Enrollment 2014

Employee Benefits Open Enrollment 2014 Employee Benefits Open Enrollment 2014 Enroll November 10 to November 21 www.navientbenefits.com The Enrollment Process This year we are conducting a PASSIVE enrollment which means that eligible employees

More information

Your guide to ADDITIONAL VOLUNTARY BENEFITS

Your guide to ADDITIONAL VOLUNTARY BENEFITS Your guide to ADDITIONAL VOLUNTARY BENEFITS What s Inside Life Insurance... P2 Disability Insurance... P2 Long-Term Care Insurance... P3 Personal Insurance...P3 Auto/Homeowner s/renter s/pet Insurance...

More information

Keep your finances healthy

Keep your finances healthy Critical Illness Insurance Keep your finances healthy even if you get sick WHAT YOU GET + Up to $30,000 cash if you are diagnosed with a critical illness such as cancer, heart attack or stroke + Cash to

More information

30 Park Street City Square Charlestown, MA 02129 P (617) 242-1200 F (617) 242-6086 www.flynnins.com info@flynnins.com

30 Park Street City Square Charlestown, MA 02129 P (617) 242-1200 F (617) 242-6086 www.flynnins.com info@flynnins.com 30 Park Street City Square Charlestown, MA 02129 P (617) 242-1200 F (617) 242-6086 www.flynnins.com info@flynnins.com The Flynn Insurance Agency specializes in the design, marketing and servicing of voluntary

More information

Level Premium Term Insurance

Level Premium Term Insurance Term Level Premium Term Insurance Is term insurance right for you? One policy. One premium. One company. A multitude of coverages. Product issued by Life Insurance Company of the Southwest This marketing

More information

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

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

More information

Living Benefits. There s More to Life

Living Benefits. There s More to Life Living Benefits There s More to Life Die Too Soon Become Ill Live Too Long Die Too Soon Products issued by National Life Insurance Company Life Insurance Company of the Southwest Become Ill Live Too Long

More information

SPECIAL ENROLLMENT BENEFIT PLANS APRIL 21 - MAY 2, 2014. Your Benefits. Your Choice. Life Insurance Long-Term Care Legal Insurance

SPECIAL ENROLLMENT BENEFIT PLANS APRIL 21 - MAY 2, 2014. Your Benefits. Your Choice. Life Insurance Long-Term Care Legal Insurance SPECIAL ENROLLMENT BENEFIT PLANS APRIL 21 - MAY 2, 2014 Your Benefits. Your Choice. Life Insurance Long-Term Care Legal Insurance A Message from Paul Bursic Dear Colleagues: We are pleased to announce

More information

SIMNSA Health Plan & Other Benefits Summary of Coverage For Salaried TEAM Members Effective January 1, 2016

SIMNSA Health Plan & Other Benefits Summary of Coverage For Salaried TEAM Members Effective January 1, 2016 SIMNSA Health Plan & Other Benefits Summary of Coverage For Salaried TEAM Members Effective January 1, 2016 This Summary of Coverage contains only the highlights of the employee welfare benefit plans available

More information

How to Avoid Overpaying For Your:

How to Avoid Overpaying For Your: How to Avoid Overpaying For Your: Mortgage Life Insurance and Mortgage Critical Illness Insurance By: Terry Bialek Congratulations! You ve just bought a new house or condominium and you ve arranged a mortgage

More information

SIMNSA Health Plan & Other Benefits Summary of Coverage For Hourly TEAM Members Effective January 1, 2016

SIMNSA Health Plan & Other Benefits Summary of Coverage For Hourly TEAM Members Effective January 1, 2016 SIMNSA Health Plan & Other Benefits Summary of Coverage For Hourly TEAM Members Effective January 1, 2016 This Summary of Coverage contains only the highlights of the employee welfare benefit plans available

More information

Your employees want and need help with health care coverage. Now there s a way to provide it. Colonial Health AdvantageSM

Your employees want and need help with health care coverage. Now there s a way to provide it. Colonial Health AdvantageSM Your employees want and need help with health care coverage. Now there s a way to provide it. Colonial Health AdvantageSM Now affordable health care coverage is within reach for you and your employees.

More information

Voluntary Benefits & Employee Discount Program O F F I C E O F H U M A N R E S O U R C E S B E N E F I T S D E P A R T M E N T

Voluntary Benefits & Employee Discount Program O F F I C E O F H U M A N R E S O U R C E S B E N E F I T S D E P A R T M E N T Voluntary Benefits & Employee Discount Program PittPerks Benefits Create a value added program that helps attract and retain faculty and staff and boost employee morale Increase productivity and workplace

More information

Group Critical Illness Insurance

Group Critical Illness Insurance Group Critical Illness Insurance together we re there Group Benefits www.sunlife.ca my wellness my plan An integral part of a comprehensive benefits plan Everyone knows someone who has suffered a serious

More information

Protecting your family with insurance: How RBC Royal Bank can help

Protecting your family with insurance: How RBC Royal Bank can help Insurance Protecting your family with insurance: How RBC Royal Bank can help At RBC Royal Bank, we know that you ve worked hard to get here and build a new life. Insurance helps protect what you have from

More information

Critical Illness Direct

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

More information

February 1, Identity Theft Plan MMC

February 1, Identity Theft Plan MMC February 1, 2008 MMC MMC offers identity theft solutions, supplied by ID TheftSmart, to all eligible employees (spouses or approved domestic partners are also eligible for coverage). The services include

More information

2015 Benefits Summary

2015 Benefits Summary 2015 Benefits Summary University of North Carolina Health Care System UNC Health Care is committed to offering a competitive benefits program for UNC Health Care employees. Our benefits options extend

More information

Employ Benefits 2015

Employ Benefits 2015 Employ Benefits 2015 Employ Benefits As a health care organization, we understand the importance of personal wellness. In fact, the richness and diversity of our benefits helped us become Modern Healthcare

More information

West Texas Cooperative Online Benefit Enrollment Ralls Independent School District

West Texas Cooperative Online Benefit Enrollment Ralls Independent School District West Texas Cooperative Online Benefit Enrollment Ralls Independent School District For benefit information and to enroll go to: www.wtxebc.com 1 Click the Login button to begin your Online Enrollment 2

More information

THERE S MORE TO LIFE. Products issued by National Life Insurance Company Life Insurance Company of the Southwest

THERE S MORE TO LIFE. Products issued by National Life Insurance Company Life Insurance Company of the Southwest Living Benefits THERE S MORE TO LIFE Die Too Soon Become Ill Live Too Long Products issued by National Life Insurance Company Life Insurance Company of the Southwest National Life Group is a trade name

More information

Term Portfolio A CONSUMER S GUIDE. Breathe Easier. Worry Less. Products issued by National Life Insurance Company

Term Portfolio A CONSUMER S GUIDE. Breathe Easier. Worry Less. Products issued by National Life Insurance Company Term Portfolio A CONSUMER S GUIDE Breathe Easier. Worry Less. Products issued by National Life Insurance Company National Life Group is a trade name of National Life Insurance Company and its affiliates.

More information

Voluntary Supplemental Long Term Disability Plan

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

More information

ALPA COMPASS ACCIDENT AND CRITICAL ILLNESS INSURANCE Frequently Asked Questions (FAQs)

ALPA COMPASS ACCIDENT AND CRITICAL ILLNESS INSURANCE Frequently Asked Questions (FAQs) 1. What is Compass Critical Illness insurance and who can be covered? 1a. What Critical Illnesses are covered? 1b. Is health screening required or is there a waiting period? 1c. Is there a pre-existing

More information

Affordable Health Insurance for Pets. all about

Affordable Health Insurance for Pets. all about all about VPI Pet Insurance The Trusted Choice of America s Pet Lovers Since 1982 just the facts: What is VPI Pet Insurance? VPI Pet Insurance provides health and accident insurance for dogs, cats, birds

More information

The 2015 open enrollment period for Georgia Perimeter College s benefits plans will be held from November 2 - November 13, 2015.

The 2015 open enrollment period for Georgia Perimeter College s benefits plans will be held from November 2 - November 13, 2015. To: Full-time Employees From: Patrice Masterson Director of Human Resources Date: October 12, 2015 Re: Open Enrollment and Benefits Information The 2015 open enrollment period for Georgia Perimeter College

More information

Symbility Health Adjudicare Group Insurance Plan Outline

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

More information

Summary of Benefits. When Benefits Start

Summary of Benefits. When Benefits Start Summary of Benefits Eligibility All full time employees are eligible for all of Westminster College benefits. You are considered full time if you are Faculty with a full time contract or Staff and work

More information

Cornerstone Benefits Highlights. MEDICAL DENTAL VISION and MORE

Cornerstone Benefits Highlights. MEDICAL DENTAL VISION and MORE Cornerstone Benefits Highlights 015 MEDICAL DENTAL VISION and MORE Welcome to Your 2015 Cornerstone Benefit Guide Your Benefits Package As a Cornerstone employee, you are eligible for a number of great

More information

Learn about long term care insurance

Learn about long term care insurance Princeton University GROUP LONG TERM CARE INSUANCE PROGRAM FREQUENTLY ASKED QUESTIONS Learn about long term care insurance 1. What is long term care insurance? Long term care insurance is designed to help

More information

2015 Benefits Highlights

2015 Benefits Highlights FEDERAL RESERVE BANKS www.federalreservebenefits.org 2015 Benefits Highlights What Employee Benefits Do the Federal Reserve Banks Offer?.... 2 Thrift and Retirement Benefits.... 3 Thrift Plan (401(k)

More information

Aflac Group Critical Illness Insurance Frequently Asked Questions

Aflac Group Critical Illness Insurance Frequently Asked Questions Aflac Group Critical Illness Insurance Frequently Asked Questions Table of Contents I. General Information II. Eligibility III. Applying for Coverage IV. Coverage Specifics V. Premiums/Rates VI. Claims

More information

NEW HIRE BENEFITS & SERVICES OVERVIEW Coverage for you and your family

NEW HIRE BENEFITS & SERVICES OVERVIEW Coverage for you and your family NEW HIRE BENEFITS & SERVICES OVERVIEW Coverage for you and your family U. S. R O C H E B E N E F I T S P R O G R A M Roche, the world s largest biotech company, is a global market leader for in vitro diagnostics,

More information

Health. Insurance YOUR GUIDE TO. Life Insurance Association. General Insurance Association of Singapore. Produced by.

Health. Insurance YOUR GUIDE TO. Life Insurance Association. General Insurance Association of Singapore. Produced by. Produced by Life Insurance Association General Insurance Association of Singapore YOUR GUIDE TO Health Insurance An initiative of MoneySENSE A National Financial Education Programme for Singapore Introduction

More information

Office of Graduate Medical Education Salary and Benefits Information

Office of Graduate Medical Education Salary and Benefits Information Office of Graduate Medical Education Salary and Benefits Information Salary levels for 2009-2010 will be determined as part of the FY2010 budget process and will be available approximately May or June

More information

AT&T New-Hire Benefits Guide H000075616. Welcome to AT&T

AT&T New-Hire Benefits Guide H000075616. Welcome to AT&T AT&T New-Hire Benefits Guide H000075616 Welcome to AT&T We re pleased to have you with us and to introduce you to the benefits offerings available to you. What s Inside Getting Started............................................

More information

ABA has aligned with Digital Insurance!

ABA has aligned with Digital Insurance! (Sample Version) ABA has aligned with Digital Insurance! Who is Digital Insurance? Digital Insurance is the largest, most technologically advanced employee benefitsonly agency in the U.S. Distinguished

More information

Office of Graduate Medical Education Salary and Benefits Information

Office of Graduate Medical Education Salary and Benefits Information Office of Graduate Medical Education Salary and Benefits Information Salary levels for 2012-2013 will be determined as part of the FY2013 budget process and will be available approximately May or June

More information

Benefit Reference Guide For CoverEdge Benefits

Benefit Reference Guide For CoverEdge Benefits Benefit Reference Guide For CoverEdge Benefits Questions about your benefits? You have come to the right place! 2013 CoverEdge Benefits Reference Guide 1 Table of Contents Benefit Information Resources/

More information

MedGuard Critical Illness Insurance

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

More information

*5100000000100001* Imperial County Eligible Employee Enrolling in CA. Unum New Business Service Center P.O. Box 180156 Chattanooga, TN 37401

*5100000000100001* Imperial County Eligible Employee Enrolling in CA. Unum New Business Service Center P.O. Box 180156 Chattanooga, TN 37401 Unum New Business Service Center P.O. Box 180156 Chattanooga, TN 37401 *51000 000001 00001* Imperial County Eligible Employee Enrolling in CA *5100000000100001* 2011 Unum Group. All rights reserved. Unum

More information

by The Karis Group Simple. Comprehensive. Complete. Enjoyable. Providing sonalized service, Kare360 s team of ext Patient Advisors work with members to assist in navigating the confusing and expensive

More information

Benefits Handbook Date July 1, 2015. Personal Excess Liability Insurance Plan Marsh & McLennan Companies

Benefits Handbook Date July 1, 2015. Personal Excess Liability Insurance Plan Marsh & McLennan Companies Date July 1, 2015 Personal Excess Liability Insurance Plan Marsh & McLennan Companies Personal Excess Liability Insurance Plan This optional insurance provides additional liability coverage above the limits

More information

Travelers Auto and Home Insurance Program. Enhance your member benefits, not your costs.

Travelers Auto and Home Insurance Program. Enhance your member benefits, not your costs. Travelers Auto and Home Insurance Program Enhance your member benefits, not your costs. A Plan for Your Credit Union Enhance your benefits program, not your costs It s a fact. Good benefits programs help

More information

VOLUNTARY SUPPLEMENTAL LONG TERM DISABILITY PLAN

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

More information

An Ounce of Prevention

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

More information

Benefits Handbook Date May 1, 2016. Pet Insurance Marsh & McLennan Companies

Benefits Handbook Date May 1, 2016. Pet Insurance Marsh & McLennan Companies Date May 1, 2016 Marsh & McLennan Companies Marsh & McLennan Companies offers pet insurance, supplied by Nationwide to all eligible employees. Generally, care is covered after you meet your deductible

More information

Benefits Handbook Date January 1, 2016. Personal Excess Liability Insurance Plan Marsh & McLennan Companies

Benefits Handbook Date January 1, 2016. Personal Excess Liability Insurance Plan Marsh & McLennan Companies Date January 1, 2016 Personal Excess Liability Insurance Plan Marsh & McLennan Companies Personal Excess Liability Insurance Plan This optional insurance provides additional liability coverage above the

More information

Ancillary Comparison Charts

Ancillary Comparison Charts Ancillary Comparison Charts ACCIDENT PLANS Accident Plans (Page 1 of 3) STANDARD LIFE AND ACCIDENT Accident Plan Freedom Accidental Death Fraxure Care AME ASSURANT Acci Fixed-Benefit Issue Age 18-74 18-79

More information

ADDITIONAL VOLUNTARY BENEFITS BENEFITS THAT FIT YOUR UNIQUE NEEDS

ADDITIONAL VOLUNTARY BENEFITS BENEFITS THAT FIT YOUR UNIQUE NEEDS ADDITIONAL VOLUNTARY BENEFITS BENEFITS THAT FIT YOUR UNIQUE NEEDS 2ADDITIONAL VOLUNTARY BENEFITS ADDITIONAL VOLUNTARY BENEFITS You re unique. Make sure your benefits package is, too. MGM MIRAGE offers

More information

Employer Administration Guide. dental vision life disability

Employer Administration Guide. dental vision life disability Employer Administration Guide dental vision life disability Table of Contents Welcome 3 Contact Information 4 Customer Service 4 Claims 4 Provider Lookup 4 Website 4 Find it Online 5 Employee and Dependent

More information

509009 1/04. Benefits at CIGNA

509009 1/04. Benefits at CIGNA 509009 1/04 Benefits at CIGNA When you consider an employment opportunity at CIGNA, consider this: you can automatically gain access to one of the widest arrays of employee benefits and human resources

More information

VPI s got you both covered.

VPI s got you both covered. VPI s got you both covered. Enroll today to receive your discount! * Beau, protected by VPI since 2003 VPI Pet Insurance 877-Pets-VPI (877-738-7874) PetsVPI.com Karen is glad her company offers VPI Pet

More information

Liberty Mutual Auto & Home Voluntary Benefits. Name of Client Presented By: Date

Liberty Mutual Auto & Home Voluntary Benefits. Name of Client Presented By: Date Liberty Mutual Name of Client Presented By: Date 1 About Liberty Mutual Private provider of personal automobile, homeowners, workers compensation, general liability, commercial auto, business property,

More information

Travelers Auto and Home Insurance Program

Travelers Auto and Home Insurance Program Travelers Auto and Home Insurance Program ENHANCE YOUR CREDIT UNION MEMBER BENEFITS, NOT YOUR COSTS A plan for your credit union Enhance your member benefits, not your costs It s a fact. Good member benefits

More information

Critical Illness Direct

Critical Illness Direct Critical Illness Direct Specified Disease/Condition & Major Organ Transplant Plan Proprietary and Confiden/al. All products underwri7en by The Chesapeake Life Insurance Company SM Critical Illness Direct

More information

Sun Critical Illness Insurance

Sun Critical Illness Insurance Sun Critical Illness Insurance PRODUCT FEATURE SHEET CRITICAL ILLNESS INSURANCE gives you a lump sum payment if you are diagnosed with and survive an illness covered by your plan. Having this extra measure

More information

Optional Plan Packages

Optional Plan Packages Optional Plan Packages Additional Benefit Package # 1: In Situ Cancer (25%) Severe Burns (100%) Paralysis (100%) Coronary Artery Bypass (25%) Coma (100%) Additional Benefit Package # 2: Loss of Sight (100%)

More information

Critical Illness Insurance

Critical Illness Insurance Advances in lifestyle and medical technology have greatly increased your chances of surviving a critical illness. But can you survive financially? Keep in mind that your regular bills, loans, tuition,

More information

LifeFund. All your biggest. financial questions. answered in one fund. Now, go live. A living life plan. Term. Life Insurance Policy

LifeFund. All your biggest. financial questions. answered in one fund. Now, go live. A living life plan. Term. Life Insurance Policy All your biggest financial questions answered in one fund. Now, go live. Term LifeFund A living life plan. SM M3400 Allianz Life Insurance Company of North America Term LifeFund Life insurance for the

More information

The affordable way to pay for healthcare expenses not covered by your regular health insurance

The affordable way to pay for healthcare expenses not covered by your regular health insurance The affordable way to pay for healthcare expenses not covered by your regular health insurance America s #1 option for individuals and families that have a $2,000 health insurance deductible or more Enroll

More information

Critical Illness Insurance. Simplified Second Chance 6 covered illnesses and surgeries

Critical Illness Insurance. Simplified Second Chance 6 covered illnesses and surgeries Critical Illness Insurance Simplified Second Chance 6 covered illnesses and surgeries Simplified Second Chance Covers added expenses that come along with a critical illness Being diagnosed with cancer,

More information

Protecting Your Assets and Lifestyle: A Critical Illness Insurance Review

Protecting Your Assets and Lifestyle: A Critical Illness Insurance Review Protecting Your Assets and Lifestyle: A Critical Illness Insurance Review If a serious illness strikes, how will you protect your assets and lifestyle from financial hardship? Table of Contents Page Your

More information

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

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

More information

Freehold Mortgage Protection

Freehold Mortgage Protection Home Loans Freehold Mortgage Protection en s urin g your 2694 0209 HL Freehold Mortgage brochure.indd 1 n home stays i ds n ha r you 19/2/09 3:36:11 PM Secure the roof over your head Buying a home is a

More information

Caring for those who Care. A Look at the 2015 Benefits and Rewards of Being an HCR ManorCare Employee

Caring for those who Care. A Look at the 2015 Benefits and Rewards of Being an HCR ManorCare Employee Caring for those who Care A Look at the 2015 Benefits and Rewards of Being an HCR ManorCare Employee BENEFITS Your Wellness Matters HCR ManorCare s benefits are a shared investment in your health and well-being.

More information

Flexible Mortgage Protection

Flexible Mortgage Protection 10 % Flexible Mortgage Protection with Life Insurance Product issued by Life Insurance Company of the Southwest 62686 MK2272(1112) TC6896(0612) Protect your home, family and income all in one policy A

More information

Living Benefits. A Key to Life Insurance. Products issued by National Life Insurance Company Life Insurance Company of the Southwest

Living Benefits. A Key to Life Insurance. Products issued by National Life Insurance Company Life Insurance Company of the Southwest Living Benefits A Key to Life Insurance Products issued by National Life Insurance Company Life Insurance Company of the Southwest 10 % National Life Group is a trade name of National Life Insurance Company,

More information

Westinghouse Electric Company Events Guide

Westinghouse Electric Company Events Guide Westinghouse Electric Company Events Guide Benefits in the Event of: Leave of Absence Disability Layoff / Permanent Separation Death Furlough Voluntary Quit / Involuntary Termination Revised January 2015

More information

Group Accident Insurance

Group Accident Insurance Group Accident Insurance An accident insurance plan provides benefits to help cover the costs associated with unexpected bills. This plan pays over and above medical and can purchase without having medical

More information

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

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

More information

You re In Good Hands With Allstate

You re In Good Hands With Allstate You re In Good Hands With Allstate Progressive Employer Management Company (PEMCO) offers Allstate Workplace Division (AWD) group and individual employee benefit products to eligible employees through

More information