Northwest Independent School District Policy #
|
|
- Chrystal McDonald
- 5 years ago
- Views:
Transcription
1 Educator Select Income Protection Plan Insurance Highlights Northwest Independent School District Policy # Please read carefully the following description of your Unum Educator Select Income Protection Plan insurance. Your Plan Eligibility Guarantee Issue Benefit Amount You are eligible for disability coverage if you are an active employee in the United States working a minimum of 20 hours per week. The date you are eligible for coverage is the later of: the plan effective date; or the day after you complete the waiting period. Current Employees: Coverage is available to you without answering any medical questions or providing evidence of insurability. You may enroll on or before the enrollment deadline of 09/01/2015. After the initial enrollment period, you can apply only during an annual enrollment period. Employees hired on or after 09/01/2015: Coverage is available to you without answering any medical questions or providing evidence of insurability. You may apply for coverage within 60 days after your eligibility date. If you do not apply within 60 days after your eligibility date, you can apply only during an annual enrollment period. Benefits are subject to the pre-existing condition exclusion referenced later in this document. Please see your Plan Administrator for your eligibility date. You may purchase a monthly benefit in $100 units, starting at a minimum of $200, up to 66 2/3% of your monthly earnings rounded to the nearest $100, but not to exceed a monthly maximum benefit of $8,000. Please see your Plan Administrator for the definition of monthly earnings. The total benefit payable to you on a monthly basis (including all benefits provided under this plan) will not exceed 100% of your monthly earnings unless the excess amount is payable as a Cost of Living Adjustment. However, if you are participating in Unum s Rehabilitation and Return to Work Assistance program, the total benefit payable to you on a monthly basis (including all benefits provided under this plan) will not exceed 110% of your monthly earnings (unless the excess amount is payable as a Cost of Living Adjustment). EB-975
2 Elimination Period Benefit Duration The Elimination Period is the length of time of continuous disability, due to sickness or injury, which must be satisfied before you are eligible to receive benefits. You may choose an Elimination Period (injury/sickness) of 0/7 days with 1 st day hospital, 14/14 days with 1 st day hospital, 30/30 days with 1 st day hospital, 60/60, 90/90 or 180/180 days. If, because of your disability, you are hospital confined as an inpatient, benefits begin on the first day of inpatient confinement. Inpatient means that you are confined to a hospital room due to your sickness or injury for 23 or more consecutive hours. (Applies to Elimination Periods of 30 days or less.) Your duration of benefits is based on your age when the disability occurs. Plan: ADEA I: Your duration of benefits is based on the following table: Age at Disability Less than age 60 Age 60 Age 61 Age 62 Age 63 Age 64 Age 65 Age 66 Age 67 Age 68 Age 69 and over Maximum Duration of Benefits To age 65, but not less than 5 years 60 months 48 months 42 months 36 months 30 months 24 months 21 months 18 months 15 months 12 months Federal Income Taxation You may wonder if your disability benefit amount will be taxed. It depends on how your premium the price of your coverage is paid. If your premium is paid with: Pre-Tax Dollars,* your benefit amount will be taxed Post-Tax Dollars,** your benefit amount will not be taxed Both Pre-Tax and Post-Tax Dollars, a portion of your benefit amount will be taxed The disability benefit amounts you receive will be reported annually on a W-2. It will show any taxable and non-taxable portions separately. *Pre-Tax Dollars are dollars paid by your employer toward premium that are not reported as earnings on your annual W-2. They are also dollars you pay toward premium through a cafeteria plan. **Post-Tax Dollars are dollars paid through payroll deductions after taxes and withholdings have been subtracted from your earnings. They are also dollars paid by your employer toward premium that are reported as earnings on your annual W-2 and taxed accordingly.
3 Additional Benefits Work/Life Balance Employee Assistance Program 1 Work-life balance is a comprehensive resource providing access to professional assistance for a wide range of personal and work-related issues. The service is available to you and your family members twentyfour hours a day, 365 days a year, and provides resources to help employees find solutions to everyday issues such as financing a car or selecting child care, as well as more serious problems such as alcohol or drug addiction, divorce, or relationship problems. Services include: toll-free phone access to master s-level consultants, up to three face-to-face sessions to help with more serious issues; and online resources. There is no additional charge for utilizing the program. Participation is confidential and strictly voluntary, and employees do not have to have filed a disability claim or be receiving benefits to use the program. Return to Work/ Work Incentive Benefit Rehabilitation and Return to Work Assistance However, if you become disabled and are receiving benefits, Unum's On Claim Support can provide additional resources including: coaching on how to communicate effectively with medical personnel, conducting consumer research for medical equipment and supplies, assessing emotional needs and locating counseling resources. Unum supports efforts that enable a disabled employee to remain on the job or return to work as soon as possible. If you are disabled but working part time with monthly disability earnings of 20% or more of your indexed monthly earnings, during the first 12 months, the monthly benefit will not be reduced by any earnings until the gross disability payment plus your disability earnings, exceeds 100% of your indexed monthly earnings. The monthly benefit will then be reduced by that amount. Unum has a vocational Rehabilitation and Return to Work Assistance program available to assist you in returning to work. We will make the final determination of your eligibility for participation in the program, and will provide you with a written Rehabilitation and Return to Work Assistance plan developed specifically for you. This program may include, but is not limited to the following benefits: coordination with your Employer to assist your return to work; adaptive equipment or job accommodations to allow you to work; vocational evaluation to determine how your disability may impact your employment options; job placement services; resume preparation; job seeking skills training; or education and retraining expenses for a new occupation. If you are participating in a Rehabilitation and Return to Work Assistance program, we will also pay an additional disability benefit of 10% of your gross disability payment to a maximum of $1,000 per month. In addition, we will make monthly payments to you for 3 months following the date your disability ends, if we determine you are no longer disabled while: you are participating in a Rehabilitation and Return to Work Assistance program; and you are not able to find employment.
4 Worksite Modification (This benefit is not allowed in New Jersey.) If a worksite modification will enable you to remain at work or return to work, a designated Unum professional will assist in identifying what s needed. A written agreement must be signed by you, your employer and Unum, and we will reimburse your employer for the greater of $1,000 or the equivalent of two months of your disability benefit. Waiver of Premium After you have received disability payments under the plan for 90 consecutive days, from that point forward you will not be required to pay premiums as long as you are receiving disability benefits. Survivor Benefit Dependent Care Expense Benefit Worldwide Emergency Travel Assistance Services 2 Unum will pay your eligible survivor a lump sum benefit equal to 3 months of your gross disability payment. This benefit will be paid if, on the date of your death, your disability had continued for 180 or more consecutive days, and you were receiving or were entitled to receive payments under the plan. If you have no eligible survivors, payment will be made to your estate, unless there is none. In that case, no payment will be made. However, we will first apply the survivor benefit to any overpayment which may exist on your claim. You may receive your survivor benefit prior to your death if you are receiving monthly payments and your physician certifies in writing that you have been diagnosed as terminally ill and your life expectancy has been reduced to less than 12 months. This benefit is only payable once and if you elect to receive this benefit, no survivor benefit will be payable to your eligible survivor upon your death. (Note this Accelerated Survivor Benefit is not available in Connecticut.) If you are disabled and participating in Unum s Rehabilitation and Return to Work Assistance program, Unum will pay a Dependent Care Expense Benefit when you are disabled and you provide satisfactory proof that you: are incurring expenses to provide care for a child under the age of 15; and/or start incurring expenses to provide care for a child age 15 or older or a family member who needs personal care assistance. The payment will be $350 per month per dependent, to a maximum of $1,000 per month for all dependent care expenses combined. Whether your travel is for business or pleasure, our worldwide emergency travel assistance program is there to help you when an unexpected emergency occurs. With one phone call anytime of the day or night, you, your spouse and dependent children can get immediate assistance anywhere in the world 3. Emergency travel assistance is available to you when you travel to any foreign country, including neighboring Canada or Mexico. It is also available anywhere in the United States for those traveling more than 100 miles from home. Your spouse and dependent children do not have to be traveling with you to be eligible. However, spouses traveling on business for their employer are not covered by this program.
5 Other Important Provisions Pre-existing Condition Exclusion Definition of Disability Gainful Occupation Benefit Integration Benefits will not be paid for disabilities caused by, contributed to by, or resulting from a pre-existing condition. You have a pre-existing condition if: you received medical treatment, consultation, care or services including diagnostic measures, or took prescribed drugs or medicines in the 3 months just prior to your effective date of coverage; and the disability begins in the first 12 months after your effective date of coverage. You are disabled when Unum determines that: you are limited from performing the material and substantial duties of your regular occupation due to your sickness or injury; you have a 20% or more loss in indexed monthly earnings due to the same sickness or injury; and during the elimination period you are unable to perform any of the material and substantial duties of your regular occupation. After benefits have been paid for 24 months, you are disabled when Unum determines that due to the same sickness or injury, you are unable to perform the duties of any gainful occupation for which you are reasonably fitted by education, training or experience. You must be under the regular care of a physician in order to be considered disabled. Gainful occupation means an occupation that is or can be expected to provide you with an income within 12 months of your return to work, that exceeds 80% of your indexed monthly earnings if you are working or 60% of your indexed monthly earnings if you are not working. Your disability benefit will be reduced by deductible sources of income and any earnings you have while disabled. Your gross disability payment will be reduced immediately by such items as disability income or other amounts you receive or are entitled to receive from workers compensation or similar occupational benefit laws, sabbatical or assault leave plans and the amount of earnings you receive from an extended sick leave plan as described in Louisiana Revised Statutes or any other act or law with similar intent. After you have received monthly disability payments for 12 months, your gross disability payment will be reduced by such items as additional deductible sources of income you receive or are entitled to receive under: state compulsory benefit laws; automobile liability insurance; legal judgments and settlements; certain retirement plans; salary continuation or sick leave plans; other group or association disability programs or insurance; and amounts you or your family receive or are entitled to receive from Social Security or similar governmental programs. Mental Illness/Self-Reported Regardless of deductible sources of income, an employee who qualifies for disability benefits is guaranteed to receive a minimum benefit amount of the greater of $100 or 10% of the gross disability payment. The lifetime cumulative maximum benefit period for all disabilities due to
6 Symptoms Instances When Benefits Would Not Be Paid Termination of Coverage Next Steps How to Apply/ Effective Date of Coverage Delayed Effective Date of Coverage Questions mental illness and disabilities based primarily on self-reported symptoms is 12 months. Only 12 months of benefits will be paid for any combination of such disabilities even if the disabilities are not continuous and/or are not related. Payments would continue beyond 12 months only if you are confined to a hospital or institution as a result of the disability. Benefits will not be paid for disabilities caused by, contributed to by, or resulting from: intentionally self-inflicted injuries; active participation in a riot; commission of a crime for which you have been convicted; loss of professional license, occupational license or certification; pre-existing conditions (see definition). Unum will not cover a disability due to war, declared or undeclared, or any act of war. Unum will not pay a benefit for any period of disability during which you are incarcerated. Your coverage under the policy ends on the earliest of the following: The date the policy or plan is cancelled; The date you no longer are in an eligible group; The date your eligible group is no longer covered; The last day of the period for which you made any required contributions; The later of the last day you are in active employment except as provided under the covered layoff or leave of absence provision; or if applicable, the last day of your contract with your Employer but not beyond the end of your Employer s current school contract year. Unum will provide coverage for a payable claim which occurs while you are covered under the policy or plan. Current employees: To apply for coverage, complete your enrollment form by 09/01/2015. Your effective date of coverage is 09/01/2015. For employees hired on or after 09/01/2015: To apply for coverage, complete your enrollment form within 60 days of your eligibility date. Please see your Plan Administrator for your effective date. If you do not enroll during the initial enrollment period, you may apply only during an annual enrollment. If you are absent from work due to injury, sickness, temporary layoff or leave of absence, your coverage will not take effect until you return to active employment. Please contact your Plan Administrator after you return to active employment for when your coverage will begin. If you should have any questions about your coverage or how to enroll, please contact your Plan Administrator.
7 This plan highlight is a summary provided to help you understand your insurance coverage from Unum. Some provisions may vary or not be available in all states. Please refer to your certificate booklet for your complete plan description. If the terms of this plan highlight summary or your certificate differ from your policy, the policy will govern. For complete details of coverage, please refer to policy form number C.FP-1, et al. 1,2 Work-life balance employee assistance program and On-Claim Support services are provided by Ceridian Corporation. Worldwide emergency travel assistance services are provided by Assist America, Inc. Services are available with selected Unum insurance offerings. Exclusions, limitations and prior notice requirements may apply, and service features, terms and eligibility criteria are subject to change. The services are not valid after termination of coverage and may be withdrawn at any time. Please contact your Unum representative for full details. 3 All Worldwide emergency travel assistance must be arranged by Assist America, which pays for all services it provides. Medical expenses such as prescriptions or physician, lab or medical facility fees are paid by the employee or the employee s health insurance. Underwritten by: Unum Life Insurance Company of America 2211 Congress Street, Portland, Maine 04122, Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries.
Fayette County Public Schools Policy # 123013
Educator Select Income Protection Plan Insurance Highlights Fayette County Public Schools Policy # 123013 Please read carefully the following description of your Unum Educator Select Income Protection
Clark Memorial Hospital Policy # 601026
Short Term Disability Income Protection Insurance Plan Highlights Clark Memorial Hospital Policy # 601026 Please read carefully the following description of your Short Term Disability Income Protection
Johns Hopkins Medical Management Corporation Policy # 587530
Short Term Disability Income Protection Insurance Plan Highlights For Specific Benefit Information Please Contact our Customer Call Center at 1-800-858-6843 Johns Hopkins Medical Management Corporation
We are pleased to announce a new Long Term Disability (LTD) benefit which will be effective January 1, 2008.
We are pleased to announce a new Long Term Disability (LTD) benefit which will be effective January 1, 2008. All full-time employees who are actively at work and on regular payroll by October 1, 2007,
School District of the City of Battle Creek- Administrative Staff Policy # 116823
Coverage Highlights School District of the City of Battle Creek- Administrative Staff Policy # 116823 Please read carefully the following description of your Unum VolunatryTerm Life and AD&D insurance
Are you prepared for an unexpected disability? Unum s Short Term Disability Insurance helps pay the bills when you can t work
Short Term Disability Insurance Employee funded Are you prepared for an unexpected disability? Unum s Short Term Disability Insurance helps pay the bills when you can t work Savings aren t always enough.
McAllen Independent School District Policy # 219632
Term Life Insurance and AD&D Coverage Highlights McAllen Independent School District Policy # 219632 Please read carefully the following description of your Unum Term Life and AD&D insurance plan. Your
North East Independent School District Policy # 148281
Coverage Highlights North East Independent School District Policy # 148281 Please read carefully the following description of your Unum Term Life and AD&D insurance plan. Your Plan Eligibility Coverage
AD&D and Life Insurance Information
Coverage Highlights Centenary College of Louisiana Policy # 136985 Please read carefully the following description of your Unum Term Life and AD&D insurance plan. Your Plan Eligibility Coverage Amounts
President and Trustees of Bates College. Your Group Long Term Disability Plan
President and Trustees of Bates College Your Group Long Term Disability Plan Policy No. 128121 011 Underwritten by Unum Life Insurance Company of America 4/1/2011 CERTIFICATE OF COVERAGE Unum Life Insurance
High Desert & Inland Employee-Employer Trust Policy # 98931
Voluntary Term Life Insurance/AD&D Coverage Highlights APPLE VALLEY UNIFIED SCHOOL DISTRICT DIVISION 002 High Desert & Inland Employee-Employer Trust Policy # 98931 Please read carefully the following
Pioneer Surgical Technology, Inc. Policy # 151666
Coverage Highlights Pioneer Surgical Technology, Inc. Policy # 151666 Please read carefully the following description of your Unum Term Life and AD&D insurance plan. Your Plan Eligibility Coverage Amounts
John Carroll University. Your Group Long Term Disability Plan
John Carroll University Your Group Long Term Disability Plan Policy No. 581726 011 Underwritten by Unum Life Insurance Company of America 3/15/2011 CERTIFICATE OF COVERAGE Unum Life Insurance Company
Massachusetts Teachers Association. Your Group Long Term Disability Plan
Massachusetts Teachers Association Your Group Long Term Disability Plan Policy No. 570975 012 Underwritten by Unum Life Insurance Company of America 8/4/2008 CERTIFICATE OF COVERAGE Unum Life Insurance
City of Rexburg Policy # 836476
Term Life Insurance Coverage Highlights Employee Funded City of Rexburg Policy # 836476 Please read carefully the following description of your Unum Term Life insurance plan. Your Plan Eligibility All
Group and Voluntary Life and AD&D
Group and Voluntary Life and AD&D Voluntary Life and AD&D Coverage for You and Your Family Voluntary Life and AD&D coverage is a great way to help your loved ones manage their financial needs in case there
Saint Michael's College Policy # 563390
Term Life Insurance and AD&D Coverage Highlights Saint Michael's College Policy # 563390 Please read carefully the following description of your Unum Term Life and AD&D insurance plan. Your Plan Eligibility
- all policy provisions and any amendments and/or attachments issued; - employees' signed applications; and - the certificate of coverage.
GROUP INSURANCE POLICY NON-PARTICIPATING POLICYHOLDER: El Paso County Government POLICY NUMBER: 907338 001 POLICY EFFECTIVE DATE: January 1, 2011 POLICY ANNIVERSARY DATE: January 1 GOVERNING JURISDICTION:
The School District of Volusia County Policy # 25156
Basic and Supplemental Coverage Highlights ADR1879-2001 The School District of Volusia County Policy # 25156 The Basic and Supplemental Life Insurance coverage offered by the School District of Volusia
Montana Chamber Choices Policy # 79372
Coverage Highlights Montana Chamber Choices Policy # 79372 Please read carefully the following description of your Unum Voluntary Term Life and AD&D insurance plan. Your Plan Eligibility Coverage Amounts
Florida State University. Your Group Long Term Disability Plan
Florida State University Your Group Long Term Disability Plan Policy No. 588461 011 Underwritten by Unum Life Insurance Company of America 9/11/2008 CERTIFICATE OF COVERAGE Unum Life Insurance Company
Zionsville Community School Corporation Policy # 593898
Coverage Highlights Zionsville Community School Corporation Policy # 593898 Please read carefully the following description of your Unum Term Life and AD&D insurance plan. Your Plan Eligibility Coverage
Robinson McFadden & Moore, P.C. Policy # 39860
Coverage Highlights Robinson McFadden & Moore, P.C. Policy # 39860 Please read carefully the following description of your Unum Term Life and AD&D insurance plan. Your Plan Eligibility Coverage Amounts
Bradley University Policy # 133255
Voluntary Term Life and AD&D Insurance Coverage Highlights Bradley University Policy # 133255 Please read carefully the following description of your Unum Voluntary Term Life and AD&D insurance plan. Your
Voluntary Term Life Insurance and AD&D Coverage Highlights
Coverage Highlights Educational Service Center of Franklin County Policy # 126694 Please read carefully the following description of your Unum Term Life and AD&D insurance plan. Your Plan Eligibility Coverage
GROUP DISABILITY INSURANCE
GROUP DISABILITY INSURANCE GROUP DISABILITY INSURANCE GROUP DISABILITY INSURANCE for New Employees of for New Employees of FLORIDA ATLANTIC UNIVERSITY FLORIDA ATLANTIC UNIVERSITY Underwritten by: Standard
St. Thomas University
St. Thomas University Group Policy Number: G0050234 Plan B: Support Staff Employee Name: Certificate Number: Welcome to Your Group Benefit Program Group Policy Effective Date: September 1, 2010 This Benefit
SAS Institute Inc. Your Group Long Term Disability Plan
SAS Institute Inc. Your Group Long Term Disability Plan Policy No. 99831 011 Underwritten by Unum Life Insurance Company of America 2/20/2013 SUBJECT: Group Long Term Disability CERTIFICATE OF COVERAGE
The Ohio State University Disability Program Specific Plan Details
The Ohio State University Disability Program Specific Plan Details Program Provisions for: Long-Term Disability (LTD) Short-Term Disability (STD) Plan Year 204 (January December 3, 204) Office of Human
Term Life Insurance and AD&D Coverage Highlights
Coverage Highlights Your Plan Eligibility Policy Number 146240 Please read carefully the following description of your UnumProvident Term Life and AD&D insurance plan. Coverage Amounts All active full-time
University of Mississippi Medical Center Policy # 111686-002
Term Life Insurance and AD&D Coverage Highlights ADR1879-2001 University of Mississippi Medical Center Policy # 111686-002 Please read carefully the following description of your Unum Term Life and AD&D
Table of Contents. 1 Partnering for Success... 2. 5 Questions and Answers... 9. 2 About Liberty Mutual... 3. 3 Supplementing the State's Plan...
Table of Contents 1 Partnering for Success... 2 Page 2 About Liberty Mutual... 3 3 Supplementing the State's Plan... 4 4 Plan Highlights... 7 5 Questions and Answers... 9 UNC Supplemental Disability 1
GROUP DISABILITY INSURANCE UNIVERSITY OF SOUTH FLORIDA
GROUP DISABILITY INSURANCE WITH MEDICAL HISTORY STATEMENT GROUP DISABILITY INSURANCE (to WITH be used MEDICAL during non-open HISTORY enrollment STATEMENT periods) (to be used during non-open enrollment
Long Term Disability Insurance FOR EMPLOYEES OF THE UNIVERSITY OF NEW MEXICO
Long Term Disability Insurance FOR EMPLOYEES OF THE UNIVERSITY OF NEW MEXICO Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY About This Booklet This
DISABILITY PLAN. Table of Contents
July 2004 Table of Contents Overview...2 Summary of Disability Insurance Benefits...3 Glossary of Terms...4 Employees Eligible for Disability Insurance Coverage...9 Disability Coverage... 10 Effective
How To Understand The Group Liability Insurance For Educators And Administrators
Voluntary Long Term Disability Insurance for Educators and Administrators SAN ANTONIO INDEPENDENT SCHOOL DISTRICT Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE
Buy-up Long Term Disability Insurance
Buy-up Long Term Disability Insurance For the employees of Montana University System Answers To Your Questions About Coverage From Standard Insurance Company About This Booklet This booklet is designed
SUBJECT: Group Long Term Disability
GROUP INSURANCE POLICY NON-PARTICIPATING POLICYHOLDER: Florida Institute of Technology POLICY NUMBER: 69039 001 POLICY EFFECTIVE DATE: April 1, 2009 POLICY ANNIVERSARY DATE: April 1 GOVERNING JURISDICTION:
Financial protection for what matters most
OAK HARBOR FREIGHT LINES INCORPORATED PO BOX 1469 AUBURN, WA 98071 Don t miss your chance to sign up for this valuable coverage. Enroll by November 30, 2015. Financial protection for what matters most
Bowling Green State University. Your Group Long Term Disability Plan
Bowling Green State University Your Group Long Term Disability Plan Policy No. 225377 021 Underwritten by Unum Life Insurance Company of America 3/4/2014 CERTIFICATE OF COVERAGE Unum Life Insurance Company
Long Term Disability Insurance
Long Term Disability Insurance Massachusetts Board of Higher Education STANDARD INSURANCE COMPANY Long Term Disability Insurance Answers to your questions about coverage from Standard Insurance Company
Massachusetts Teachers Association. Your Group Short Term Disability Plan
Massachusetts Teachers Association Your Group Short Term Disability Plan Policy No. 570975 011 Underwritten by Unum Life Insurance Company of America 8/4/2008 CERTIFICATE OF COVERAGE Unum Life Insurance
Group Disability Income Insurance Enrollment at a Glance Protection that provides benefits and access to expert resources during a difficult time.
Group Disability Income Insurance Enrollment at a Glance Protection that provides benefits and access to expert resources during a difficult time. For the employees of: Shelby County Government What is
The Standard Life Insurance Company of New York Voluntary Long Term Disability Coverage Highlights Teachers College, Columbia University
Voluntary Long Term Disability (LTD) Insurance Long Term Disability insurance is designed to pay a monthly benefit to you in the event you cannot work because of a covered illness or injury. This benefit
Y O U R E N R O L L M E N T K I T. Long Term Disability Insurance. Issued by The Prudential Insurance Company of America
Y O U R E N R O L L M E N T K I T GROUP INSURANCE Long Term Disability Insurance Issued by The Prudential Insurance Company of America City of Chicago All Eligible Employees IFS-A091258 ECEd.04.2012-6307
Short-Term Disability Insurance
Short-Term Disability Insurance 817763 a 06/12 Developed for the Employees of Lake County Board of County Commissioners Protecting Your Family Securing Your Future As long as you've got your health. If
Long-Term Disability. Income Insurance. Plan Designed Specifically For: San Marcos ISD. American Fidelity Assurance Company s
American Fidelity Assurance Company s Long-Term Disability Income Insurance SB-25403(FF)-0712 HOME OFFICE 2000 North Classen Boulevard Oklahoma City, Oklahoma 73106 (800) 654-8489 HOUSTON OFFICE 515 North
Voluntary Long Term Disability Insurance FOR GOVERNMENT OF THE DISTRICT OF COLUMBIA EMPLOYEES
Voluntary Long Term Disability Insurance FOR GOVERNMENT OF THE DISTRICT OF COLUMBIA EMPLOYEES Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY About This
Long-Term Disability. Income Insurance. Non-Clerical Education Support Personnel. Plan Designed Specifically For: Effective: 10-1-2012
Effective: 10-1-2012 American Fidelity Assurance Company s Long-Term Disability Income Insurance Plan Designed Specifically For: Non-Clerical Education Support Personnel Why Do You Need Disability Income
LONG-TERM DISABILITY. Table of Contents. Page i SUMMARY PLAN DESCRIPTION
For this plan year, the plan includes the following provisions, subject to change or discontinuation with or without notice at any time. This Summary Plan Description presents an overview of your Benefits.
) Your benefit enrollment is coming soon. What would your family do without your income?
Term life and AD&D insurance Employee purchase What would your family do without your income? Unum s term life and AD&D insurance can help. Better prepared for the future Jarrod and Amy have two careers,
Voluntary Long Term Disability Insurance EMPLOYEES OF CITY OF NORFOLK
Voluntary Long Term Disability Insurance EMPLOYEES OF CITY OF NORFOLK Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY About This Booklet This booklet
Short-Term Disability
American Fidelity Assurance Company s Short-Term Disability Income Insurance Plan Designed Specifically For: New Mexico Schools Plan Highlights s are paid directly to you, not to a doctor or your employer.
The Hospital Authority of Valdosta and Lowndes County dba South Georgia Medical Center
LIFE INSURANCE COMPANY OF NORTH AMERICA 1601 CHESTNUT STREET GROUP POLICY PHILADELPHIA, PA 19192-2235 (800) 732-1603 TDD (800) 552-5744 A STOCK INSURANCE COMPANY POLICYHOLDER: POLICY NUMBER: The Hospital
Short-Term Disability
AMERICAN FIDELITY ASSURANCE COMPANY S Short-Term Disability Income Insurance Plan Designed Specifically For: Kansas Educators Plan Highlights s are paid directly to you, not to a doctor or your employer.
The Prudential Insurance Company of America
The Prudential Insurance Company of America Record Keeping Services PO Box 13676 Philadelphia, PA 19176 (800) 778-3827 Dear New City of Chicago Employee: The City of Chicago is committed to offering a
Long Term Disability Insurance
Group Voluntary For Employees of The California State University Standard Insurance Company About This Brochure This booklet is designed to answer some common questions about the group Voluntary Long Term
Long-Term Disability Insurance
Long-Term Disability Insurance Developed for the Employees of Lake County Board of County Commissioners 817763 a 06/12 Protecting Your Family Securing Your Future As long as you've got your health. If
Nova Scotia College of Art & Design
Nova Scotia College of Art & Design Plan Document Number: G0080847 Group Policy Number: G0050232 Plan - All Employees Employee Name: Certificate Number: Welcome to Your Group Benefit Program Plan Document
Your Choice Group Voluntary Long Term Disability Insurance
Your Choice Group Voluntary Long Term Disability Insurance An Affordable Way To Safeguard Your Future Standard Insurance Company Group Long Term Disability Insurance About This Booklet This booklet is
Long Term Disability Insurance
Long Term Disability Insurance For Employees Participating In OEBB Plans Standard Insurance Company Long Term Disability Insurance About This Brochure This brochure and the accompanying Oregon Educators
City of Frisco Policy # 94716
Flex Coverage Highlights City of Frisco Policy # 94716 Please read carefully the following description of your Unum Term Life and AD&D insurance plan. Your Plan Eligibility All active full time Benefit
Income Protection Benefits
Income Protection Benefits McAllen Independent School District Information About You Name: Social Security Number / Employee ID Number: Coverage Effective Date: Date of Birth: Date of Hire: Annual Salary:
University System of Maryland. Your Group Life Insurance Plan
University System of Maryland Your Group Life Insurance Plan Identification No. 115327 011 Underwritten by Unum Life Insurance Company of America 7/9/2013 CERTIFICATE OF COVERAGE The Group Insurance Policy
Unum Group Life & Disability. Summary of Benefits and Rate Guide. For plans effective January 1, 2015 2-3 2-3 4-5 6-7 8
Summary of Benefits and Rate Guide For plans effective January 1, 2015 Unum Group Life & Disability Group Term Life Voluntary Life Long Term Disability Rates Enrollment Checklist 2-3 2-3 4-5 6-7 8 Part
Long-Term Disability Insurance
Long-Term Disability Insurance Developed for the Employees of City of Colorado Springs (Employees with less than 5 years of PERA Service) (City Council Members) How This Program Protects You If you suffer
Traditional Short-Term Disability Insurance. Summary Plan Description
Traditional Short-Term Disability Insurance Summary Plan Description Vanderbilt University Your Group Short Term Disability Plan Policy No. 224887 011 Underwritten by Unum Life Insurance Company of America
Emory University. Your Group Long Term Disability Plan
Emory University Your Group Long Term Disability Plan Policy No. 107388 011 Underwritten by Unum Life Insurance Company of America 7/9/2010 CERTIFICATE SECTION This is your certificate of coverage as
University of Dayton. Your Group Life and Accidental Death and Dismemberment Plan
University of Dayton Your Group Life and Accidental Death and Dismemberment Plan Identification No. 123359 011 Underwritten by Unum Life Insurance Company of America 5/8/2013 CERTIFICATE OF COVERAGE Unum
Voluntary Short-Term Disability Insurance
Voluntary Short-Term Disability Insurance 817763 a 06/12 Developed for the Employees of Marion County - Oregon Protecting Your Family Securing Your Future As long as you've got your health. If you're physically
Group Long Term Disability Insurance
Group Long Term Disability Insurance For Active Members of New Mexico Public Schools Insurance Authority Answers To Your Questions About Coverage From Standard Insurance Company About This Booklet This
Voluntary Long Term Disability Insurance Answers to your questions about coverage from Standard Insurance Company
Voluntary Long Term Disability Insurance Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY About This Booklet This booklet is designed to answer some common
Table of Contents. Section 4: Disability
Table of Contents Section 4: Disability YOUR CALTECH DISABILITY BENEFITS... 4.1 Short Term Disability... 4.1 Paid Family Leave... 4.1 Long Term Disability... 4.1 YOUR BASIC AND SUPPLEMENTAL LONG TERM DISABILITY
Long-Term Disability Insurance
Long-Term Disability Insurance 817763 a 06/12 Developed for the Employees of Pennsylvania State System of Higher Education Protecting Your Family Securing Your Future As long as you've got your health.
Help Protect Your Most Valuable Asset Your Income
Help Protect Your Most Valuable Asset Your Income NJEA Endorsed Disability Insurance Program For enrollments on and after October 1, 2012 The Prudential Insurance Company of America 02046-00002-00 Think
$100 or 10% $100 or 10%
Voluntary Long Term Disability (LTD) Insurance Long Term Disability insurance is designed to pay a monthly benefit to you in the event you cannot work because of a covered illness or injury. This benefit
Income Insurance LONG-TERM DISABILITY GALENA PARK. Enhanced (SSNRA/3Y) Disability Income Plan
LONG-TERM DISABILITY Income Insurance Underwritten by: American Fidelity Assurance Company GALENA PARK Enhanced (SSNRA/3Y) Disability Income Plan Coverage Options Benefits Paid Directly to You Excellent
McGaw Medical Center. Your Group Life and Accidental Death and Dismemberment Plan
McGaw Medical Center Your Group Life and Accidental Death and Dismemberment Plan Identification No. 394279 012 Underwritten by Unum Life Insurance Company of America 10/7/2011 CERTIFICATE OF COVERAGE
Short Term Disability Insurance Coverage paid by you
Short Term Disability Insurance Coverage paid by you Eligibility All active, full-time U.S. Employees, who are regularly working a minimum of 30 hours per week. Weekly Benefit 60% of your weekly earnings
Voluntary Long Term Disability Insurance
Voluntary Long Term Disability Insurance For Government of the District of Columbia Employees Answers To Your Questions About Coverage From Standard Insurance Company About This Booklet This booklet is
Long-Term Disability Insurance
Long-Term Disability Insurance Developed for the class 1 Employees of Research Triangle Institute Protecting Your Family Securing Your Future As long as you've got your health. If you're physically healthy,
American Fidelity Assurance Company s. Long-Term Disability. Income Insurance. Plan Designed Specifically For: Oklahoma State University
American Fidelity Assurance Company s Long-Term Disability Income Insurance Plan Designed Specifically For: Oklahoma State University Why Do You Need Disability Income Protection? No One Plans To Be Disabled.
Long Term Disability Insurance
Long Term Disability Insurance This subsection summarizes the group Long Term Disability Insurance plan available through PEBB. It is a summary only. For full details, see the Certificate of Insurance
Multnomah County Policy # 285369
Coverage Highlights Multnomah County Policy # 285369 Please read carefully the following description of your Unum Lifestyle Term Life insurance plan. Your Plan Eligibility Eligibility Date for Application
Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA. Simpson College
Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA Simpson College Your Group Long Term Disability Insurance Plan GROUP POLICY NUMBER - 64067 POLICY EFFECTIVE DATE - January 1,
Enhanced Short-Term Disability Insurance. Summary Plan Description
Enhanced Short-Term Disability Insurance Summary Plan Description Vanderbilt University Your Group Short Term Disability Plan Policy No. 415507 011 Underwritten by Unum Life Insurance Company of America
Expanded Long Term Disability Insurance
Expanded Long Term Disability Insurance Professional Engineers In California Government STANDARD INSURANCE COMPANY This program is sponsored by the Professional Engineers in California Government PECG
Optional and Dependent Life Group Insurance Plan 112687.011
Optional and Dependent Life Group Insurance Plan 112687.011 CERTIFICATE OF COVERAGE Unum Life Insurance Company of America (referred to as Unum) welcomes you as a client. This is your certificate of coverage
How To Get A Long Term Disability Insurance Plan From Syracuse University
T H E S T A N D A R D L I F E I N S U R A N C E C O M P A N Y O F N E W Y O R K Voluntary Group Long Term Disability Insurance FOR B E N E F I T S E L I G I B L E E M P L O Y E E S O F S Y R A C U S E
Short Term Disability Income Protection Plan
Short Term Disability Income Protection Plan Effective Date: January 1, 2012 Contact Information Plan Administrator: Address and Telephone #: AOL Inc. 22000 AOL Way Dulles, VA 20166 703-265-1968 703-265-3981
Foreword. Supplemental Disability Insurance Plan 1
Foreword The University of California makes available a Supplemental Disability Insurance Plan to its employees through Liberty Life Assurance. Participation in this plan is voluntary and premiums are
Benefits & Cost Summary Group Life and Accidental Death and Dismemberment Insurance
Group Life and AD&D Benefits & Cost Summary Group Life and Accidental Death and Dismemberment Insurance PREPARED FOR: SUBMITTED BY: Advanced Health Sales & Consulting Llc DATE: June 1, 2015 This proposal
Income Insurance. Lo n g-te r m Disability. A Plan Designed Specifically For: Kentucky Schools. From American Fidelity Assurance Company
American Fidelity Educational Services A Plan Designed Specifically For: Kentucky Schools Lo n g-te r m Disability Income Insurance From American Fidelity Assurance Company Why Do You Need Disability Income
Long Term Disability Insurance Benefits
Long Term Disability Insurance Benefits Employee Benefit Booklet REGENTS OF NEW MEXICO STATE UNIVERSITY GFZ02001-0001 CLASS I Products and services marketed under the Dearborn National brand and the star
Standard Insurance Company Voluntary Short Term Disability Coverage Highlights Northeast Georgia Diagnostic Clinic, LLC
Voluntary Short Term Disability (STD) Insurance Short Term Disability insurance pays a weekly benefit in the event you cannot work because of a covered illness or injury. An STD benefit replaces a portion
Unum Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211
Unum Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 QUALIFIED LONG TERM CARE INSURANCE OUTLINE OF COVERAGE FOR THE EMPLOYEES OF CHEROKEE BOARD OF COMMISSIONERS
Unum Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211
Unum Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 QUALIFIED LONG TERM CARE INSURANCE OUTLINE OF COVERAGE FOR THE EMPLOYEES OF MULTNOMAH COUNTY OREGON - #094319
El Paso County. Self-Funded Short Term Disability Plan
El Paso County Self-Funded Short Term Disability Plan Effective January 1, 2003 Restated January 1, 2011 Index INTRODUCTION... 2 ELIGIBILITY... 2 Eligible Classes... 2 Eligibility Date... 2 POLICY EFFECTIVE
2013 Open Enrollment. Richardson Independent School District
Richardson Independent School District 2013 Open Enrollment Supplemental Term Life Insurance Short Term & Long Term Disability Accidental Death & Dismemberment When is Open Enrollment? Open enrollment
Short Term Disability Income Protection Plan
Short Term Disability Income Protection Plan Effective Date: January, 1, 2015 Contact Information Plan Administrator: Address and Telephone #: Prime Therapeutics, LLC 1305 Corporate Center Drive Eagan,