Life & Disability Insurance. For COSE Employer Groups with 1 9 Employees

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1 Life & Disability Isurace For COSE Employer Groups with 1 9 Employees

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3 Life ad Disability Isurace Offerig a great beefit like life ad disability isurace is a excellet way to help attract ad retai taleted employees. As a COSE member, you have access to high-quality plas through Cosumers Life, a subsidiary of Medical Mutual. Cosumers Life is proud to be a Ohio-based compay with a track record of providig flexible cost-sharig optios ad award-wiig service. Plaig for the Uexpected Life isurace ca help your employees create a fiacial safety et for their loved oes. Oe-third of Americas believe they would feel the fiacial impact from the loss of a primary wage earer withi a moth of the wage earer s passig. Half say they would feel a impact withi six moths. Youger people say they d feel a impact sooer tha older people. Studies fid that cosumers overestimate the cost of life isurace by early three-fold. This is particularly true amog youger cosumers, who are geerally more likely to qualify for preferred rates because of their age ad health status. 1 Cosumers have a great deal of misuderstadig about disability isurace. Nearly 90 percet of disabilities are ot work-related ad, therefore, are ot covered by workers compesatio. Illess, ot accidets, is resposible for most of the disabilities people suffer. Isurace statistics show that oly 9 percet of log-term disabilities actually are the results of serious accidets. The top causes of disability are ofte triggered by more commo, chroic coditios. Optios to Fit Your Needs Cosumers Life offers two excellet optios to COSE members. If you choose a Group-Sposored Pla, you must pay at least 25 percet of the cost of the isurace ad meet a miimum erollmet based o the umber of people you employ. A Volutary Pla is fully paid by your employees ad does ot have a miimum erollmet requiremet. The followig plas are available to COSE members: Group-Sposored Beefits Life ad accidetal death ad dismembermet isurace (AD&D) Depedet life isurace Short-term disability isurace Log-term disability isurace Volutary Beefits (employee-paid) Life isurace Short-term disability isurace The Social Security Admiistratio estimates that oe out of three Americas eterig the workforce today will become disabled before they retire. 2 For more iformatio about what optios are right for your compay, call (440) or This is a overview oly. For a complete listig of beefits ad exclusios, please refer to your certificate ad/or policy. This documet does ot secure coverage or rates ad is for iformatioal purposes oly. Foototes: 1. Facts are from LIMRA s life isurace cosumer studies, Facts are from LIMRA, Life Happes, Coucil for Disability Awareess (CDA), ad Social Security Disability Isurace (SSDI) 1

4 Group-Sposored Beefits Additioal Beefits The followig beefits may also be paid i additio to the life isurace ad accidetal death ad dismembermet beefit: Life ad AD&D Isurace This pla pays a full beefit for a covered employee death that occurs aytime, aywhere, from ay cause. Coverage icludes a coversio privilege ad a waiver of the premium if a employee becomes disabled before age 60. A accelerated death beefit is also available if a employee becomes termially ill. If a covered employee dies as the result of a accidet at ay time, o or off the job, a full beefit would be paid. A covered employee ivolved i a accidet that causes dismembermet or disability could also be eligible for a beefit. Amouts may vary depedig o the severity. Group-Sposored Life ad AD&D Rates Employer groups with 1 9 employees (10+ groups composite-rated) Age Rage Mothly Rate Uder 30 $ to 39 $ to 44 $ to 49 $ to 54 $ to 59 $ to 64 $ ad older $1.35 Life ad AD&D mothly rates are per $1,000 of coverage. Seatbelt Beefit If a covered employee dies as a result of a accidet while wearig a seatbelt Airbag Beefit If a covered employee dies as a result of a vehicle accidet while positioed i a seat equipped with a factory-istalled airbag Repatriatio Beefit If a covered employee dies i a accidet more tha 75 miles from home ad his/her body eeds to be trasported to a mortuary Depedet Educatio Beefit Reimburses depedets of a deceased covered employee for educatioal expeses icurred i a school of higher educatio beyod the 12th grade Coma Beefit If a covered employee becomes comatose withi 31 days of a accidet ad remais comatose for more tha 31 days No-Medical Maximum This is the maximum amout of Life ad Accidetal Death ad Dismembermet coverage ot subjected to evidece of isurability. Evidece of isurability is required for amouts i excess of the o-medical maximum of $35,000. Curret groups that wish to icrease may be subject to Evidece of Isurability for ay amout. Coverage Amouts Available The miimum coverage is $10,000 but additioal amouts are available i multiples of $5,000 or a multiple of aual base earigs (e.g. 1, 1 ½, 2) to a maximum of $100,000 Beefits reduce by 50 percet of the origial amout at age 70 ad further reduce to 25 percet of the origial beefit at age 75. 2

5 Eligibility You must be a member of COSE You must cotribute at least 25 percet of the cost of isurace If you choose to cotribute 100 percet of the premium, all eligible employees must eroll Employees must be full-time, workig hours or more per week Coverage will become effective o the first of the moth followig erollmet Premium cotiuatio is required durig disability Beefits termiate at retiremet Miimum Erollmet Requiremets Basic ad Depedet Life Isurace Number of Full-Time Employees Miimum Erollmet to to Over 11 75% Depedet Life Isurace Beefits Depedet life isurace beefits are available oly i cojuctio with employee Life ad AD&D coverage. For spouse/domestic parter: $5,000 Childre ages 14 days to 6 moths: $100 Childre ages 6 moths to age 21: $5,000 (to age 25 if a full-time studet ad depedet of the isured) $0.93 per moth per covered family 3

6 Short-Term Disability Isurace Beefits If a employee suffers a o-occupatioal accidet, a illess or a pregacy-related disability or complicatio, short-term disability isurace ca provide a bi-weekly beefit paymet to help replace lost icome for up to 26 weeks. You ca choose a maximum weekly beefit of up to 70 percet of a employee s basic weekly icome. The miimum beefit is $100 per week while the maximum beefit is $500 per week. Beefit Optios Pla Beefits are payable o the 1st caledar day of absece due to a accidet or the 8th caledar day due to sickess ad are payable for up to a maximum of 26 weeks Pla Beefits are payable o the 15th caledar day of absece due to a accidet or the 15th caledar day due to sickess ad are payable for up to a maximum of 26 weeks. Weekly Beefit Amout Weekly Beefit Miimum Aual Employee Salary $100 $7,430 $150 $11,140 $200 $14,860 $250 $18,570 $300 $22,285 $350 $26,000 $400 $29,715 $450 $33,430 $500 $37,145 Eligibility You must be a member of COSE You must cotribute at least 25 percet of the cost of isurace If you choose to cotribute 100 percet of the premium, all eligible employees must eroll Employees must be full-time, workig hours or more per week Coverage begis o the first day of the moth followig erollmet Premium cotiuatio is required durig disability Beefits termiate after retiremet Miimum Erollmet Requiremets Number of Full-Time Employees Miimum Erollmet to to Over 11 75% Group-Sposored Short-Term Disability Coverage Rates Employer groups with 1 9 employees (10+ Groups composite-rated) Age Rage Pla Rate Pla Rate Uder 40 $0.48 $ to 44 $0.48 $ to 49 $0.56 $ to 54 $0.68 $ to 59 $0.81 $ to 64 $0.94 $ to 69 $1.24 $ ad older $1.67 $1.35 Short-term disability mothly rates are per $10 of beefits. 4

7 Log-Term Disability Isurace Beefits Some o-occupatioal accidets or illesses ca cause a employee to lose icome for moths or eve years. Logterm disability isurace ca provide a paymet beefit of betwee $100 ad $5,000 per moth, depedig o a employee s basic mothly earigs. Maximum isured earigs are $100,000 per year. Eligibility You must be a member of COSE Employ less tha 60 percet blue-collar employees 60 percet or fewer isured employees over age 50 Egaged i busiess for at least oe year You must cotribute at least 25 percet of the cost of isurace If you choose to cotribute 100 percet of the premium, all eligible employees must eroll Employees must be full-time, workig 30 hours or more per week Coverage begis o the first day of the moth followig erollmet Immediate family members o staff must have worked for at least 2 years Miimum Erollmet Requiremets Number of Full-Time Employees Miimum Erollmet to to Beefit Reductio Schedule Age Rage Duratio Uder 60 To age moths moths moths moths moths moths moths moths moths 69 ad older 12 moths Beefits are payable to age 65 with reduced beefit duratio i compliace with ADEA. Defiitio of Disability Disability meas that a employee is uable to perform his or her regular occupatio with reasoable cotiuity durig the elimiatio period ad the first 24 moths of receivig disability beefits ad, as a result, the icome he or she is able to ear is less tha or equal to 80 percet of his or her pre-disability earigs. Thereafter, disability meas the employee is uable to perform ay gaiful occupatio with reasoable cotiuity ad the icome he or she is able to ear is less tha or equal to 80 percet of his or her predisability earigs. Full Family Itegratio Beefits paid uder this pla will be reduced by other icome amouts as defied i the master policy. This ca iclude Workers Compesatio, uemploymet beefits, retiremet beefits, etc. See the master policy for terms ad coditios. Residual Disability Beefit For a disability caused by a ijury or illess, the beefit will be paid after the isured has satisfied the elimiatio period, provided a loss of at least 20 percet of earigs is icurred. The elimiatio period ca be satisfied with either total or partial disability or a combiatio of both. Pla 1: 90 days Pla 2: 180 days 5

8 24-Moth Metal Illess or Substace Abuse Limitatio Beefits for a disability caused by or cotributed to by metal illess or substace abuse will be limited to 24 moths i the employee s lifetime. Pre-Existig Coditio Exclusios Beefits may ot be paid for disabilities caused or cotributed to by, or resultig from coditios for which a employee received treatmet 12 moths prior to his or her effective date. See the master policy for terms ad coditios. Other Exclusios Beefits are ot payable for a disability that was: Caused durig a act of war Self-iflicted The result of active participatio i a riot Suffered while servig i the armed forces The result of cosmetic or recostructive surgery Caused by a accidet while operatig a motor vehicle while itoxicated Suffered while icarcerated i a peal or correctioal facility for 30 or more cosecutive days Group-Sposored Mothly Log-Term Disability Isurace Rates Pla 1: 90-Day Elimiatio Period* Age Rage < 20% 20% to 29% 30% to 39% 40% to 49% 50% to 59% Uder 35 $0.41 $0.47 $0.53 $0.60 $ to 39 $0.47 $0.55 $0.61 $0.68 $ to 44 $0.66 $0.75 $0.86 $0.95 $ to 49 $1.03 $1.18 $1.33 $1.48 $ to 54 $1.57 $1.80 $2.05 $2.27 $ to 59 $2.20 $2.52 $2.86 $3.18 $ to 64 $2.26 $2.60 $2.93 $3.27 $ ad older $2.62 $3.01 $3.40 $3.80 $4.18 Pla 2: 180-Day Elimiatio Period* Age Rage < 20% 20% to 29% 30% to 39% 40% to 49% 50% to 59% Uder 30 $0.22 $0.26 $0.31 $0.33 $ to 34 $0.28 $0.33 $0.38 $0.42 $ to 39 $0.38 $0.45 $0.51 $0.55 $ to 44 $0.57 $0.66 $0.73 $0.82 $ to 49 $0.87 $1.01 $1.13 $1.27 $ to 54 $1.33 $1.53 $1.73 $1.93 $ to 59 $1.87 $2.15 $2.45 $2.72 $ to 64 $1.91 $2.20 $2.47 $2.76 $ ad older $2.21 $2.55 $2.87 $3.21 $3.53 Employer groups with 1 9 employees; mothly rates per $100 covered payroll are determied based o the percetage of the total covered payroll of blue-collar employees versus the total covered payroll for all eligible employees. The followig is a list of idustries that are ot eligible for log-term disability coverage. Airlies Amusemet Eterprises Auto Wreckers, Auto Salvage & Jukyards Barber/Beauty Shops Bars/Tavers/Cocktail Louges Bowlig Alleys Buildig Wreckers or Movers Car & Truck Dealerships Car Washes Coutry Clubs Dace Halls & Studios Dry Cleaers/Laudries Etertaimet Groups Explosives Maufacturers & Distributors Extermiators Farmig/Rachig Operatios Fishig & Boatig Idustries Foudries Garbage Collectors/Scavegers Gas Statios & Garages Govermet Fuded Groups Greehouses Guard or Watchme Services Hatcheries Health/Sport Clubs Hotels & Motels Isurace Agecies Jaitorial/Buildig Maiteace Liquor Stores Loggig & Millig Operatios Logshore Operatios Lumber Idustries Miig, Quarries & Drillig Operatios Motorcycle Sales & Service Muicipal Employees Nightclubs Nurseries Parkig Lots Political Subdivisios Public Trasportatio Compaies Religious Etities Residetial Home Builders Restaurats Scrap Iro Dealers Slaughterhouses/Meat Packers Steel Maufacturig Taxi Compaies 6

9 Volutary Beefits While offerig similar coverage to our group-sposored isurace optios, volutary beefits are fully paid by employees ad do ot have a miimum erollmet requiremet. Life Isurace This pla pays a full beefit for a covered employee death that occurs aytime, aywhere, from ay accidet or illess. Employees ca select a beefit amout i $10,000 icremets up to $300,000. There is a o-medical maximum of $10,000 if the employee elects coverage withi 31 days of their eligibility date, plus a additioal $10,000 o-medical maximum available at aual erollmet. Coverage icludes a coversio privilege ad a waiver of the premium if a employee becomes disabled before age 60. A accelerated death beefit is also available if a employee becomes termially ill. Eligibility You must be a COSE member Employees must be full-time, workig hours or more per week Coverage begis o the first day of the moth followig erollmet Beefits termiate at retiremet Volutary Life Isurace Rates Employer groups with employees Age Rage No-tobacco User Tobacco User Uder 30 $0.56 $ to 34 $0.65 $ to 39 $0.74 $ to 44 $1.39 $ to 49 $1.95 $ to 54 $3.24 $ to 59 $5.56 $ to 64 $8.71 $ to 69 $13.71 $ ad older $21.95 $36.78 Volutary life mothly rates are per $10,000 of coverage. 7

10 Eligibility You must be a member of COSE Employees must be full-time, workig hours or more per week Evidece of isurability is ot required Coverage begis o the first day of the moth followig erollmet Pre-existig Coditio Exclusio Beefits may ot be paid for disabilities caused or cotributed to by, or resultig from coditios for which a employee received treatmet 12 moths prior to his or her effective date. See the master policy for terms ad coditios. Volutary Short-Term Disability Coverage Rates Employer groups with employees Short-Term Disability Isurace If a employee suffers a o-occupatioal accidet, a illess or a pregacy-related disability or complicatio, short-term disability isurace ca provide a bi-weekly beefit paymet to help replace lost icome for up to 26 weeks. You ca choose a maximum weekly beefit of up to 70 percet of a employee s basic weekly icome. The miimum beefit is $100 per week while the maximum beefit is $500 per week. Age Rage Pla Rate Pla Rate Uder 40 $0.44 $ to 44 $0.45 $ to 49 $0.52 $ to 54 $0.63 $ to 59 $0.76 $ to 64 $0.88 $ to 69 $1.16 $ ad older $1.56 $1.25 Short-term disability mothly rates are per $10 of beefits. Beefit Optios Pla Beefits are payable o the 1st caledar day of absece due to a accidet or the 8th caledar day due to sickess ad are payable for up to a maximum of 26 weeks Pla Beefits are payable o the 15th caledar day of absece due to a accidet or the 15th caledar day due to sickess ad are payable for up to a maximum of 26 weeks. Weekly Beefit Amout Weekly Beefit Miimum Aual Employee Salary $100 $7,430 $150 $11,140 $200 $14,860 $250 $18,570 $300 $22,285 $350 $26,000 $400 $29,715 $450 $33,430 $500 $37,145 8

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12 17800 Royalto Road Strogsville, Ohio CosumersLife.com 2015 Cosumers Life Isurace Compay ZZZZZ-LDI 6/15

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