1 Products and financial services provided by American United Life Insurance Company a ONEAMERICA company One American Square, P.O. Box 6123 Indianapolis, IN (800) Group Term Life including matching AD&D Coverage Life and AD&D insurance coverage amount of $50,000 at no cost to you Waiver of premium benefit Accelerated life benefit Additional AD&D Benefits: Seat Belt, Air Bag, Repatriation, Child Higher Education, Child Care, Paralysis/Loss of Use, Severe Burns Coverage options are available to eligible employees About Premiums: The premiums shown above may vary slightly due to rounding; actual premiums will be calculated by American United Life Insurance Company (AUL), and may increase upon reaching certain age brackets, according to contract terms, and are subject to change. This invitation to inquire allows eligible employees an opportunity to inquire further about AUL's group insurance and is limited to a brief description of any losses for which benefits are payable. The contract has exclusions, limitations reduction of benefits, and terms under which the contract may be continued in force or discontinued. Products and financial services provided by American United Life Insurance Company
2 W hy should you consider purchasing life insurance protection at your workplace? Employees find significant value in obtaining non-medical products in their workplace. Many of us lead busy lives and seldom take time to think about life s risks. Consider the following reasons many people purchase group TERM life insurance: (Source: Shopping on the Job: Life and Disability Insurance Sales at the Workplace, LIMRA Research Briefings, March, 2012.) Nearly 1 in 5 Americans go through their workplace to purchase life insurance. For employees that have the option, 75% ultimately decide to purchase life insurance. (Source: To Shop or Not To Shop for Life Insurance. Turning Shoppers Into Buyers, LIMRA, 2011.) Replacing income Paying off mortgage Providing funds for college education Paying for medical / burial / final expenses Preparing for life events, such as: Marriage Growing family Home Purchase Transferring wealth to family Making a charitable gift 50% of U.S. households have unmet life insurance needs: 58 million say they do not have enough life insurance. (Source: Household Trends in the U.S. Life Insurance Ownership, LIMRA, 2010.) Supporting aging parents Advantages of shopping at work include: Affordable group rates Convenient payroll deduction While employees have many possible resources for benefit information, they rely most on the information created by their employer. Guaranteed issue for timely applicant Easy access Products and financial services provided by American United Life Insurance Company a ONEAMERICA company. Visit us at for more information.
3 AUL's Group Voluntary Term Life and AD&D Insurance Terms and Definitions Eligible Employees: Flexible Choices: Guaranteed Issue Amounts: Timely Enrollment: Evidence of Insurability: Guaranteed Increase in Benefit: Continuation of Coverage Options: Portability Conversion Accelerated Life Benefit: Waiver of Premium: Reductions: This benefit is available for employees who are actively at work on the effective date and working a minimum of 30 hours per week. Since everyone's needs are different, this plan offers flexibility for you to choose a benefit amount that fits your needs and budget. This is the most coverage you can purchase without having to answer any health questions. If you decline insurance coverage now and decide to enroll later, you will need to provide Evidence of Insurability. Employee Guaranteed Issue Amount: $200,000 Spouse Guaranteed Issue Amount: $30,000 Child Guaranteed Issue Amount: $10,000 Enrolling timely means you have enrolled during the initial enrollment period when benefits were first offered by AUL, or as a newly hired employee within 31 days following completion of any applicable waiting period. If you elect a benefit amount over the Guaranteed Issue Amount shown above for you or your eligible dependents, or you do not enroll timely, you will need to submit a Statement of Insurability form for review. Based on health history, you and / or your dependents will be approved or declined for insurance coverage by AUL. If eligible, this benefit allows you to increase your coverage every year as your life insurance needs change. You may be able to increase your benefit amount by the greater of 10% of your benefit amount or $10,000 every year until you reach your maximum amount, without providing Evidence of Insurability. Should your coverage terminate for any reason, you may be eligible to take this term life insurance with you without providing Evidence of Insurability. You must apply within 31 days from the last day you are eligible. The Portability option is available until you reach age 70. OR Should your life insurance coverage, or a portion of it, cease for any reason, you may be eligible to convert your Group Term Coverage to Individual Coverage without providing Evidence of Insurability. You must apply within 31 days from the last day you are eligible. If diagnosed with a terminal illness and have less than 12 months to live, you may apply to receive 25%, 50% or 75% of your life insurance benefit to use for whatever you choose. If approved, this benefit waives your and your dependents' insurance premium in case you become totally disabled and are unable to collect a paycheck. Upon reaching certain ages, your original benefit amount will reduce to a percentage as shown in the following schedule. Age: Reduces To: 45% 30% 20% 15% 10% This invitation to inquire allows eligible employees an opportunity to inquire further about AUL's group insurance and is limited to a brief description of any losses for which benefits are payable. The contract has exclusions, limitations reduction of benefits, and terms under which the contract may be continued in force or discontinued. Products and financial services provided by American United Life Insurance Company a ONEAMERICA company. Visit us at for more information.
4 About your benefit options: Voluntary Term Life including matching AD&D Coverage Bi-Weekly Payroll Deduction Illustration You may select a minimum benefit of $10,000 up to a maximum amount of $500,000, in increments of $1,000, not to exceed 5 times your annual base salary only. Amounts requested above $200,000 for an Employee, $30,000 for a Spouse, or any amount not requested timely will require Evidence of Insurability. Employee must select coverage to select any Dependent coverage. Dependent coverage cannot exceed 50% of the Voluntary Term Life amount selected by the Employee. A Spouse must be under age 70 to be eligible for benefits. $10,000 $20,000 $30,000 $40,000 $50,000 $60,000 $80,000 $100,000 $150,000 $200,000 EMPLOYEE ONLY OPTIONS (based on Employee's age as of 01/01) Life & AD&D $5,000 $10,000 $15,000 $20,000 $25,000 $30,000 $.31 $.61 $.93 $1.24 $1.54 $1.85 $2.48 $3.09 $4.63 $6.19 $.31 $.61 $.93 $1.24 $1.54 $1.85 $2.48 $3.09 $4.63 $6.19 $.34 $.40 $.52 $.69 $1.04 $1.54 $2.46 $.68 $.80 $1.04 $1.37 $2.07 $3.08 $4.92 $1.03 $1.21 $1.57 $2.07 $3.12 $4.63 $7.38 $1.37 $1.61 $2.09 $2.75 $4.15 $6.17 $9.84 $1.71 $2.01 $2.61 $3.44 $5.19 $7.71 $12.30 $2.05 $2.41 $3.13 $4.12 $6.23 $9.25 $14.76 $2.73 $3.21 $4.17 $5.50 $8.31 $12.33 $19.68 $3.41 $4.01 $5.21 $6.87 $10.38 $15.41 $24.60 $5.12 $6.02 $7.82 $10.31 $15.57 $23.12 $36.90 $6.83 $8.03 $10.43 $13.76 $20.77 $30.83 $49.20 SPOUSE ONLY OPTIONS (based on Employee's Age as of 01/01) Life & AD&D $.11 $.22 $.33 $.43 $.54 $.65 $.11 $.22 $.33 $.43 $.54 $.65 $.12 $.15 $.21 $.30 $.47 $.72 $1.18 $.25 $.31 $.43 $.60 $.95 $1.45 $2.37 $.37 $.46 $.64 $.89 $1.42 $2.17 $3.55 $.50 $.62 $.86 $1.19 $1.89 $2.90 $4.74 $.62 $.77 $1.07 $1.49 $2.37 $3.62 $5.92 $.75 $.93 $1.29 $1.79 $2.84 $4.35 $ $3.87 $6.72 $12.06 $7.74 $13.44 $24.12 $11.62 $20.18 $36.20 $15.49 $26.90 $48.26 $19.36 $33.62 $60.32 $23.23 $40.34 $72.38 $30.98 $53.80 $96.52 $38.72 $67.24 $ $58.08 $ $ $77.45 $ $ $1.89 $3.32 $3.78 $6.63 $5.67 $9.95 $7.56 $13.26 $9.45 $16.58 $11.34 $ $12.06 $24.12 $36.20 $48.26 $60.32 $72.38 $96.52 $ $ $ Option 1: Option 2: Option 3: Option 4: CHILD(REN) OPTIONS (Premium shown for Child(ren) reflects the cost for all eligible dependent children) Child(ren) 6 months to age 19, or 25 if full-time student $2,500 $5,000 $7,500 $10,000 Child(ren) live birth to 6 months $1,000 $1,000 $1,000 $1,000 Bi-weekly Payroll Deduction Amount $0.25 $0.50 $0.75 $1.00 About Premiums: The premiums shown above may vary slightly due to rounding; actual premiums will be calculated by American United Life Insurance Company (AUL), and may increase upon reaching certain age brackets, according to contract terms, and are subject to change. This invitation to inquire allows eligible employees an opportunity to inquire further about AUL's group insurance and is limited to a brief description of any losses for which benefits are payable. The contract has exclusions, limitations reduction of benefits, and terms under which the contract may be continued in force or discontinued. Products and financial services provided by American United Life Insurance Company
5 Products and financial services provided by American United Life Insurance Company a ONEAMERICA company One American Square, P.O. Box 6123 Indianapolis, IN (800) Group Short Term Disability Coverage¹ Guaranteed-issue amounts of coverage (no medical underwriting for certain amounts of coverage)² Partial disability benefits Minimum weekly benefit of $25 Maternity benefits Continuation of insurance coverage under the Family Medical Leave Act (FMLA) Benefit Percentage: 3 60% Maximum Weekly Benefit: Injury/Sickness Elimination Period: Benefit Duration: 4 Pre-Existing Condition Period: 5 $1, / 14 Days 24 Weeks None Follow these steps to calculate your Bi-Weekly premium: 1. Divide your annual salary by 52 =. 2. Multiply the result of Step 1 by.60 =. (Not to exceed $1,000) 3. Divide the result of Step 2 by 10 =. 4. Multiply the result of Step 3 by.52 =. 5. Multiply the result of Step 4 by 12 = and divide by 26 = = Total Bi-Weekly premium. 6. Divide the result of Step 5 by 2 (your employer contributes 50% of your premium) =. This is your Bi-Weekly premium amount. 1 This invitation to inquire allows eligible employees an opportunity to inquire further about group insurance coverage and is limited in its description of the losses for which benefits may be payable. The contract has exclusions, limitations, reduction of benefits, and terms under which the contract may be continued in force or discontinued. The contract may contain a waiting or elimination period between the effective date of the contract and the effective date of coverage, and between the date a loss occurs and the date benefits begin to be payable for the loss. 2 If an employee does not apply timely and/or applies for an amount greater than the guaranteed issue amount, coverage will not be available until after undergoing medical underwriting and receiving written approval from AUL. 3 Benefit amounts are based upon percentage of covered weekly salary. Potential benefits are reduced by other income offsets including but not limited to Social Security benefits. 4 Maximum period benefits are payable under the contract. 5 Certain disabilities are not covered if the cause of the disability is traceable to a condition existing prior to your effective date of coverage. A pre-existing condition is any condition for which an ordinarily prudent person would ordinarily have received medical treatment or consultation, taken or were prescribed drugs or medicine, or received care or services, including diagnostic measures, within a time-frame specified in the contract. PA, MO and other states do not include a prudent person standard and incurred expenses are not applicable in MO contracts. You must also be treatment-free for a time-frame specified in some contracts following your individual effective date of coverage.
6 Products and financial services provided by American United Life Insurance Company a ONEAMERICA company One American Square, P.O. Box 6123 Indianapolis, IN (800) Group Long Term Disability Coverage¹ Guaranteed-issue amounts of coverage (no medical underwriting for certain amounts of coverage)² At no cost to you Waiver of premium benefits Partial disability benefits Residual benefit Return to work benefit Workplace modification benefits Minimum monthly benefit is the greater of [10%] of the gross monthly benefit or $100 Survivor income benefit Continuation of insurance coverage under the Family Medical Leave Act (FMLA) Benefit Percentage: 3 Maximum Monthly Benefit: Elimination Period: 4 Maximum Benefit Duration: 5 Pre-Existing Condition Period: 60% $8, Days SSFRA 3/12 1 This invitation to inquire allows eligible employees an opportunity to inquire further about group insurance coverage and is limited in its description of the losses for which benefits may be payable. The contract has exclusions, limitations, reduction of benefits, and terms under which the contract may be continued in force or discontinued. The contract may contain a waiting or elimination period between the effective date of the contract and the effective date of coverage, and between the date a loss occurs and the date benefits begin to be payable for the loss. 2 If an employee does not apply timely and/or applies for an amount greater than the guaranteed issue amount, coverage will not be available until after undergoing medical underwriting and receiving written approval from AUL. 3 Benefit amounts are based upon percentage of covered monthly salary. Potential benefits are reduced by other income offsets including but not limited to Social Security benefits. 4 Maximum period benefits are payable under the contract. 5 Certain disabilities are not covered if the cause of the disability is traceable to a condition existing prior to your effective date of coverage. A pre-existing condition is any condition for which an ordinarily prudent person would ordinarily have received medical treatment or consultation, taken or were prescribed drugs or medicine, or received care or services, including diagnostic measures, within a time-frame specified in the contract. PA, MO and other states do not include a prudent person standard and incurred expenses are not applicable in MO contracts. You must also be treatment-free for a time-frame specified in some contracts following your individual effective date of coverage.
7 Employee Assistance Program (EAP) What is an EAP? An EAP is a confidential, worksite-based program designed to assist both employees and employers. An EAP provides assessment and referral in person and over the phone for personal matters. Each eligible employee 1, along with each eligible employee s dependents, is entitled to three visits (or sessions) free-of-charge per calendar year. Also, telephone intakes and information calls regarding EAP services are free and unlimited. Who is EAPC? EAP services are provided through EAP Consultants, Inc. (EAPC). EAPC is a private company with a diverse network of licensed professionals, including clinical providers and consultants. All EAP services are completely confidential pursuant to current US laws and regulations. EAPC s services include access to highly experienced clinical providers that include licensed psychologists, clinical social workers, professional counselors, marriage and family therapists and alcohol and drug counselors. Consultants include attorneys, financial advisors and elder care and child care specialists. EAPC also offers online services to fit a wider array of needs. EAP professionals will help employees identify and clarify concerns and develop a plan of action to create solutions that work. If additional assistance is needed, EAPC will assist employees in finding resources that may be covered by their insurance and meet their financial capabilities. For detailed information, contact EAP Consultants, Inc. at To confidentially request services online, visit the member access page at The password is OneAmericaEAP. 1. Employee eligibility based upon contract terms. Contact your employer for EAPC s eligibility requirements. All services must be arranged by EAPC who is wholly responsible for provision and administration of the EAP OneAmerica Financial Partners, Inc. All rights reserved. Assessment and referral services Personal concerns Stress Marital & family issues Crisis Emotional concerns Psychiatric disorders Relationship issues Medical problems Life adjustments Work-related difficulties Alcohol & drug problems Online services Stress management course Legal/financial library Legal/financial articles Sample legal documents Smoking cessation program Identity theft resources Childcare Assess childcare needs and explore care options Adoption resources Eldercare Resources and referral for both public and private eldercare facilities Legal Consultation provided for an array of legal issues, including family law, housing and real estate and estate planning Financial Financial planning Retirement planning Academic resources asd SAT and other testing resources Tutors Pet services Referrals for breeders, kennels, veterinarians, etc. Behavioral health library Information on numerous life issues Wellness information Depression and substance abuse screenings Referrals for an array of childcare arrangements, camps and schools Consultation on evaluation of facilities Simple will prepared at no cost 25% discount on standard attorney hourly rate for services rendered beyond scope of EAP Investment strategies Money management College planning guides Sources of financial assistance Pet services guide EAPC is neither affiliated nor under common control with OneAmerica or AUL, and AUL only markets EAPC products. Marketed by American United Life Insurance Company a OneAmerica company One American Square, P.O. Box 368 Indianapolis, IN (317) G /14/13
8 Did you know? Europ Assistance had over 62 million telephone calls in 2007 (two calls per second) and 12.5 million assistance cases (one case every two seconds). In 2006, we performed our 150,000,000th assistance case. Why Europ Assistance? What is Europ Assistance USA? We are the US office of Europ Assistance, the company that created the concept of Travel Assistance 45 years ago. Travel Assistance helps you if you are faced with an emergency when traveling. With a local network providing support in virtually all countries in the world, EA is here to assist you 24 hours a day. In a life-threatening situation, should I call local authorities or Europ Assistance USA? In the event of a life-threatening emergency, please first call the local emergency authorities to receive immediate assistance, and then contact Europ Assistance USA. I have medical insurance. Why do I need travel assistance as well? EA has the resources to help you medically and financially in case of a travel emergency. Even the best health insurance companies do not have an out of area network comparable to EA. EA s network is both domestic and international. EA monitors your medical condition to make sure you receive proper care. EA can help you find an appropriate medical facility or transport you to one if necessary. On the financial side, even if your medical insurance provides complete overseas coverage, you will most likely have to pay up front for medical services. EA can in many cases provide the necessary guarantee of payment, saving you from having to pay expenses out of pocket. Contact Us Europ Assistance USA is here to help you 24 hours a day in the event of an emergency. When you call, please be ready to provide: **The name of your employer **A phone number where we may reach you US/Canada: From other locations call collect: E-Services: Username: AUL Password: travel411 Your Travel Assistance Program 4330 East-West Highway, Suite Bethesda, MD USA G Travel Automobile Health Home & Family
9 Your guide to safe travel Emergencies happen, but help is now only a phone call away. Europ Assistance USA (EA) provides 24 hour services that can help you access emergency assistance when you are traveling 100 or more miles away from home. Europ Assistance USA is there when a crisis strikes to help you obtain the care and attention you need. Over 850,000 multilingual service professionals stand ready to assist you in 200 countries and territories worldwide. Key Services: Medical Search and Referral EA will assist you in finding physicians, dentists, and medical facilities. Medical Monitoring During the course of a medical emergency, professional case managers, including physicians and nurses, will monitor your case to determine whether the care is appropriate or if evacuation/repatriation is required. Emergency Evacuation/Medically Necessary Repatriation In the event of a medical emergency, when a physician designated by EA determines that it is medically necessary for you to be transported under medical supervision to the nearest hospital or treatment facility or be returned to your place of residence for treatment, EA will arrange, and arrange payment for the transport under proper medical supervision. Dependent Children Assistance If any dependent children under the age of 18 traveling with you are left unattended because you are hospitalized, EA will arrange, and arrange payment for their economy class transportation home. Should transportation with an attendant be necessary, EA will arrange for a qualified escort to accompany the children. Visit by Family Member/Friend If you are traveling alone and must be or are likely to be hospitalized for seven consecutive days, EA will arrange, and arrange payment for round-trip transportation for one member of your immediate family, or one friend designated by you, from his or her home to the place where you are hospitalized. Repatriation of Remains In the event of your death while traveling, EA will arrange, and arrange payment for all necessary government authorization, including a container appropriate for transportation and for the return of the remains to place of residence for burial. Traveling Companion Assistance If a travel companion loses previously-made travel arrangements due to your medical emergency, EA will arrange for your traveling companion s return home. Replacement of Medication and Eyeglasses EA will arrange to fill a prescription that has been lost, stolen or requires a refill, subject to local law, whenever possible. EA will also arrange for shipment of replacement eyeglasses. Costs for shipping of medication or eyeglasses, or a prescription refill, etc. are your responsibility. Vehicle Return EA will arrange, and arrange payment for the return of the vehicle left unattended to your domicile or place of rental if you become physically unable to operate any non-commercial vehicle (i.e., auto, motorhome, rental car, etc.) as a result of a medical emergency. The vehicle must be in good driving condition and capable of being driven on the highway in compliance with local laws. You will not be reimbursed for services provided to you at no cost. Emergency Travel Arrangements If appropriate, EA will make new travel arrangements or change airline, hotel, and car rental reservations. Emergency Cash EA will advance up to $500 after satisfactory guarantee of reimbursement from you. Any fees associated with the transfer or delivery of funds are your responsibility. Locating Lost or Stolen Items EA will assist in locating and replacing lost or stolen luggage, documents, and personal possessions. Legal Assistance/Bail EA will locate an attorney and advance bail bond, where permitted by law, with satisfactory guarantee of reimbursement from you. (You pay attorney fees). Interpretation/Translation EA will assist with telephone interpretation in all major languages or will refer you to an interpretation or translation service for written documents. Pre-Trip Information EA offers a wide range of informational services before you leave home, including: Visa, Passport, Inoculation and Immunization Requirements, Cultural Information, Temperature, Weather Conditions, Embassy and Consulate Referrals, Foreign Exchange Rates, and Travel Advisories Who is eligible for these services? Individuals who receive coverage under American United Life Insurance Company 's product offerings and their spouses, domestic partners and children are eligible for these services once coverage has been verified. Pre-trip informational services are available at any time. All other services take effect when you are on a trip 100 miles or more from home lasting 90 days or less. How is coverage verified? EA does not receive names of individual covered members. When you call, EA will verify eligibility through your employer s designated contact person. There may be circumstances in which EA reasonably believes that a sick or injured person is a Covered Member, but cannot verify participation through the employer s designated contact person. If your employer does not inform EA of eligibility status within 24 hours from EA s initial verification inquiry and you claim to be a covered member, then EA shall have the right, but not the obligation, to consider you a Covered Member. Before providing any services deemed appropriate by EA, EA will request payment from you or from a member of your family or friend. Who is responsible to pay for these services? After your coverage has been verified, EA will arrange, and arrange payment for the following subject to the policy limits and guidelines: - Emergency Evacuation: $150,000 Combined Single Limit (CSL) - Medically Necessary Repatriation: Included in CSL - Repatriation of Remains: Up to $15,000 If traveling alone: - Visit of Family Member or Friend: Up to $5,000 - Return of Dependent Children under Age 18: Up to $5,000 - Return of Vehicle: Up to $2,500 If EA is unable to verify your coverage, you must provide proper guarantee of payment prior to EA incurring third party expenses. Conditions and Exclusions: All transportation related services, coverages and payments must be arranged and pre-approved by EA. EA shall not provide services enumerated if the coverage is sought as a result of: suicide or attempted suicide; intentionally self-inflicted injuries; participation in any war, invasion, acts of foreign enemies, hostilities between nations (whether declared or not) or civil war, rebellion, revolution, and insurrection, military or usurped power; participation in any military maneuver or training exercise; traveling against the advice of a Physician; traveling for the purpose of obtaining medical treatment; traveling in any country in which the U.S. State Department issued travel restrictions; piloting or learning to pilot or acting as a member of the crew of any aircraft; mental or emotional disorders, unless hospitalized; being under the influence of drugs or intoxicants unless prescribed by a Physician; commission or the attempt to commit a criminal act; participation as a professional in athletics or underwater activities; participating in bodily contact sports; skydiving; hang gliding; parachuting; mountaineering; any race; bungee cord jumping; speed contests; spelunking or caving, heliskiing, extreme skiing; dental treatment except as a result of accidental Injury to sound, natural teeth; any non-emergency treatment or surgery, routine physical examinations, hearing aids, eyeglasses or contact lenses; pregnancy and childbirth (except for complications of pregnancy); curtailment or delayed return for other than covered reasons; services not shown as covered; travel within 100 miles of your permanent residence, unless in a foreign country, or travel in a foreign location in excess of 90 days for any one trip. EA reserves the right to suspend, curtail or limit its services in any area in the event of rebellion, riot, military uprising, war, labor disturbances and strikes, nuclear accidents, acts of God, or refusal of the authorities in the country of assistance to permit EA to fully provide services. EA will however, endeavor to provide services to the best of its ability during any such occurrence. The medical professional and/or attorneys suggested and/or designated by EA and/or providing services on behalf of EA are not employees of EA and, therefore, EA is not responsible or liable for their negligence or other acts or omissions. Available 24 hours a day From the US and Canada: From other countries (call collect)
10 Employee Benefits Stop and consider If you are a newly eligible employee and you decide not to apply for coverage now: You will lose your only chance to apply for coverage without first undergoing medical underwriting. If you have ANY current or future medical conditions, you MAY NOT BE approved for coverage at a later date. If you decide in the future that you want to apply for group insurance coverage, you will have to WAIT until the next enrollment period to apply. Products and financial services provided by American United Life Insurance Company a OneAmerica company One American Square, P.O. Box 368 Indianapolis, IN (317) G /2/07
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