You never know what can happen on your shift. Is your family financially secure?
|
|
- Laureen Freeman
- 4 years ago
- Views:
Transcription
1 You never know what can happen on your shift. Is your family financially secure? Benefits Division Group Life Insurance and Accidental Death & Dismemberment Insurance
2 Group Life Insurance for CSFA Members To assist CSFA members in providing for their families financial security, the California State Firefighters Employee Welfare Benefits Corporation and Standard Insurance Company have developed these Group Term Life Insurance Programs. Protecting your family s financial security is YOUR responsibility. APPLY TODAY! It s never been easier. The Group Life Insurance and Accidental Death & Dismemberment Plans Consist of: Participating Unit Plan The Participating Unit Plan will provide life and AD&D coverage to those associations who elect to insure 100% of their members. The plan will provide a maximum benefit of $150,000 on a guaranteed issue basis. Voluntary Plan The Voluntary Plan offers up to $500,000 in life and AD&D insurance benefits on CSFA members. Members may also choose to insure their spouse and dependent children through these programs. New Hires $100,000 Guaranteed Issue (GI) with in 30 days of hire for all full-time first year firefighters. Up to $500, in life insurance protection
3 Who is Eligible: Participating Unit Plan You are eligible to apply for this coverage if: a. You are actively working at least 25 hours each week for a fire department as a California firefighter (full-time or volunteer), and b. You are a member of a firefighters association that has been approved to participate under the CSFA plan, and c. You are a member in good standing of the California State Firefighters Association, or d. You are a full-time employee of the California State Firefighters Association. Voluntary Plan You are eligible to apply for this coverage if: a. You are actively working for a fire department at least 25 hours each week as a California firefighter (full-time or volunteer) and are a member in good standing of the California State Firefighters Association, or b. You are a full-time employee of the California State Firefighters Association. Once the coverage becomes effective, you may continue life coverage even after you retire from active duty as long as you continue membership in CSFA and continue premium payment. Exclusive to CSFA Members!
4 When is coverage effective? Participating Unit Plan Provided you are actively at work and the required premium is paid, coverage is effective on the date you become a member if you apply on or before that date. Voluntary Plan If you apply within 30 days following your hire date, coverage amounts up to the Guaranteed Issue amount are effective on the first of the month following the date you apply and premium payment is made. What are the Life Exclusions? If you or your insured spouse/domestic partner s death results from suicide or other intentionally self inflicted injury, while sane or insane, during the first two (2) years of coverage or an increase in coverage, the benefit payable will be limited to the amount of the premium paid for such coverage. (Does not apply to the Participating Unit plan.) What are the AD&D Coverage Exclusions? Benefits will not be paid for loss from war; suicide or self inflicted injury (while sane or insane); committing or attempting to commit an assault or a felony, actively participating in a violent disorder or riot except in the line of duty, heart attack or stroke; self-administered drugs, poisons or chemical compounds; sickness or pregnancy; or medical or surgical treatment for any of these. Up to $500, in AD&D insurance protection
5 How do I convert my Life Insurance? If you, your spouse, or your dependent children, cease to be eligible for coverage, life insurance will continue without cost for 31 days. During that time you may convert your life insurance to a permanent individual life insurance policy (except term insurance) without a medical examination. You must apply for the new policy and pay the first premium within 31 days. Who are my Dependent Children? Unmarried children qualify for coverage from live birth through age 20 (or through age 24 if a full-time student at an accredited educational institution), and include your natural child, adopted child, or child of your spouse/ domestic partner living in your home, but do not include a full-time member of the armed forces of any country. Disabled children may also be covered beyond the limiting ages as provided in the group policy. When does Insurance Terminate? The date your membership in CSFA is terminated The date you cease to be an employee of CSFA, if applicable The date the group policy is terminated The date your local association discontinues its group coverage with respect to coverage under the Participating Unit plan The date you become a full-time member of the military The date of expiration of the last period for which you made the required premium payment Protect Your Family!
6 Schedule of Benefits Participating Unit Plan The Participating Unit Plan is available to all CSFA associations who wish to provide life insurance to all their members. Rate and plan design will be case specific. Voluntary Plan Each eligible member, their spouse, or domestic partner (under California law) and dependent children may apply for coverage under one of the following levels of insurance: Member $25,000 to $500,000 Member s Spouse/ Domestic Partner $25,000 to $250,000 as elected - not to exceed 50% of the member s benefit amount. Dependent Children $5,000 or $10,000 as elected - not to exceed 50% of the member s benefit amount - single premium rate for life insurance on your child(ren) regardless of the number of children covered New Hires $100,000 Guaranteed Issue (GI) with in 30 days of hire for all full-time first year firefighters Coverage Amount Under Monthly Premiums * $25,000 $1.44 $1.56 $1.95 $2.93 $4.10 $6.44 $11.90 $50,000 $2.89 $3.12 $3.90 $5.80 $8.19 $12.87 $23.79 $75,000 $4.33 $4.68 $5.85 $8.78 $12.29 $19.31 $35.69 $100,000 $5.77 $6.24 $7.80 $11.70 $16.38 $25.74 $47.58 $150,000 $8.66 $9.36 $11.70 $17.55 $24.57 $38.61 $71.37 $200,000 $11.54 $12.48 $15.60 $23.40 $32.76 $51.48 $95.16 $250,000 $14.43 $15.60 $19.50 $29.25 $40.95 $64.35 $ $300,000 $17.32 $18.72 $23.40 $35.10 $49.14 $77.22 $ $350,000 $20.20 $21.84 $27.30 $40.72 $57.33 $90.09 $ Peace of Mind
7 Coverage Amount Under * $400,000 $23.09 $24.96 $31.20 $46.80 $65.52 $ $ $450,000 $25.97 $28.08 $35.10 $52.65 $73.71 $ $ $500,000 $28.86 $31.20 $39.00 $58.50 $81.90 $ $ * NOTE: Contact Myers Stevens & Toohey & Co., Inc. for premium rates for members and spouses age 60 or older. Example: 32 year old member is applying for $100,000 of Additional Life Insurance and $50,000 of Additional Life Insurance on 28 year old spouse. Member s premium for $100,000 = Spouse s premium for $50,000 = Total monthly premium for both = $6.24 per month $2.89 per month $9.13 per month AD&D INSURANCE Accidental Death & Dismemberment (AD&D) is a type of insurance which provides for a sum of money to be paid if the insured person dies or suffers a dismemberment as the result of a covered accident. If you are an active member, you and your spouse may apply for Additional AD&D Insurance without submitting evidence of insurability. The amounts available are the same amounts listed above for Additional Life Insurance. The amount of your spouse s AD&D Insurance cannot exceed 50% of your AD&D Insurance. COST: The premium rate for AD&D Insurance for you and your spouse is $1.25 per $25,000 of AD&D Insurance per month. Dependent Child Life Insurance The premium rate for Life Insurance for your children is based on the amount of coverage you select, regardless of the number of children covered, as follows: Reductions At age 65, your Additional Life Insurance, your spouse s Life Insurance, and any AD&D Insurance begin reducing to a percentage of the original amount, as follows: Coverage Amount $5,000 $10,000 Insured s Monthly Cost $0.45 $0.90 Percentage 65% 50% 35% 25% 20% Financial Security
8 What are you waiting for? Plans arranged and administered by: Myers-Stevens & Toohey & Co., Inc Marguerite Parkway Mission Viejo, CA or fax Judah Street Roseville, CA or fax CA License No Plans underwritten by: Standard Insurance Company 1100 SW Sixth Avenue Portland, OR Policy No Apply Today! Call
Group Basic Life and AD&D Insurance
Group Basic Life and AD&D Insurance City & County of Denver S T A N D A R D I N S U R A N C E C O M P A N Y City & County of Denver Group Basic Life and AD&D Insurance WHAT ARE MY BASIC LIFE AND AD&D BENEFITS?
Maximum Postdoc $10,000 $10,000 $150,000 $500,000
Additional Life and Accidental Death and Dismemberment (AD&D) Insurance Life insurance coverage can help your family meet daily expenses, maintain their standard of living, pay off debt, secure your children
Standard Insurance Company Additional Life and AD&D Coverage Highlights City of Tacoma
Additional Life and Accidental Death and Dismemberment (AD&D) Insurance Life insurance coverage can help your family meet daily expenses, maintain their standard of living, pay off debt, secure your children
Additional Life Coverage Highlights Johnson County Community College
Additional Life and Accidental Death and Dismemberment (AD&D) Insurance Standard Insurance Company has developed this document to provide you with information about the optional coverage you may select
Group Term Life, AD&D, and Dependents Insurance
California Association of Professional Scientists Group Term Life, AD&D, and Dependents Insurance California Association of Professional Scientists STANDARD INSURANCE COMPANY This program is sponsored
Group Voluntary Accidental Death And Dismemberment Insurance FOR THE EMPLOYEES OF THE UNIVERSITY OF NEW MEXICO
Group Voluntary Accidental Death And Dismemberment Insurance FOR THE EMPLOYEES OF THE UNIVERSITY OF NEW MEXICO Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE
Group Term Life, AD&D, and Dependents Insurance
Group Term Life, AD&D, and Dependents Insurance Professional Engineers In California Government STANDARD INSURANCE COMPANY This program is sponsored by the Professional Engineers in California Government
Family Life Insurance - A Summary of the California State Firefighter Employee Welfare Benefits Corporation
You never know what can happen on your watch. Is your family financially secure? Updating your family s financial security is Simple, Affordable & SAFE! C-07 The California State Firefighters Employee
Voluntary Accidental Death and Dismemberment Insurance. Answers to your questions about coverage from Standard Insurance Company
Voluntary Accidental Death and Dismemberment Insurance F O R E M P L O Y E E S O F K E N T S TAT E U N I V E R S I T Y Answers to your questions about coverage from Standard Insurance Company S TA N D
Group Additional Life Insurance
Group Additional Life Insurance Montana Association of Counties Health Care Trust (MACoHCT) Answers To Your Questions About Coverage From Standard Insurance Company Standard Insurance Company Group Additional
Group Voluntary Accidental Death and Dismemberment Insurance
Group Voluntary Accidental Death and Dismemberment Insurance Professional Engineers In California Government STANDARD INSURANCE COMPANY This program is sponsored by the Professional Engineers in California
Community College System of New Hampshire Basic Life, Additional Life, Spouse and Child Life, and Accidental Death & Dismemberment
Benefits at a Glance for Community College System of New Hampshire Group Policy # 152335 Effective Date January 1, 2011 (Date of last revision: 10/22/13) I. Basic Life and Accidental Death and Dismemberment
Group Life And AD&D Insurance Coverage
Group Life And AD&D Insurance Coverage The California State University Standard Insurance Company Group Life Insurance The following is a brief description of some of the coverage highlights for The California
You never know what can happen on your shift. Is your family financially secure?
You never know what can happen on your shift. Is your family financially secure? Benefits Division Group Life Insurance and Accidental Death Insurance The California State Firefighters Employee Welfare
Group Basic Life Insurance
Group Basic Life Insurance For Employees Participating In OEBB Plans Standard Insurance Company Group Basic Life Insurance About This Brochure This brochure and the accompanying Oregon Educators Benefit
Group Voluntary Accidental Death and Dismemberment Insurance FOR EMPLOYEES OF CITY OF WICHITA
Group Voluntary Accidental Death and Dismemberment Insurance FOR EMPLOYEES OF CITY OF WICHITA Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY About This
Optional Accidental Death And Dismemberment Insurance
Optional Accidental Death And Dismemberment Insurance For Employees Participating In OEBB Plans Standard Insurance Company Optional Accidental Death And Dismemberment Insurance About This Brochure This
Group Voluntary Accidental Death and Dismemberment Insurance
California Association of Professional Scientists Group Voluntary Accidental Death and Dismemberment Insurance California Association of Professional Scientists S T A N D A R D I N S U R A N C E C O M
Life Insurance Plan. for. Full-Time Appointed. Employees. IndianaUniversity. University Human Resource Services Effective January 1, 2004
Life Insurance Plan for Full-Time Appointed Employees of IndianaUniversity University Human Resource Services Effective January 1, 2004 This booklet is designed to summarize the group Life Insurance Plan
Group Basic Life Insurance
Group Basic Life Insurance For employees participating in OEBB plans Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY About This Brochure This brochure
Voluntary Accidental Death and Dismemberment (AD&D) Insurance
Voluntary Accidental Death and Dismemberment (AD&D) Insurance For Employees of The California State University Standard Insurance Company Voluntary AD&D Insurance About This Brochure This booklet is designed
Group Additional Life Insurance
Group Additional Life Insurance For the employees of Montana University System Answers To Your Questions About Coverage From Standard Insurance Company About This Booklet This booklet is designed to answer
Group Additional Life Insurance
Group Additional Life Insurance F O R E M P L O Y E E S O F M O N T A N A U N I V E R S I T Y S Y S T E M Answers to your questions about coverage from Standard Insurance Company S T A N D A R D I N S
12505-645820-BROKERED
Voluntary Life Insurance Standard Insurance Company has developed this document to provide you with information about the optional coverage you may select through your employer. Written in non-technical
THE STANDARD LIFE AND AD&D INSURANCE
THE STANDARD LIFE AND AD&D INSURANCE Standard Insurance Company provides Life, Accidental Death and Dismemberment (AD&D) for eligible Bloomfield School District (BSD) employees and dependents Basic Term
Voluntary Life and Accidental Death with Dismemberment (AD&D) Insurance
Voluntary Life and Accidental Death with Dismemberment (AD&D) Insurance FOR EMPLOYEES OF CIT Y OF WICHITA Answers to your questions about coverage from Standard Insurance Company S TA N D A R D I N S U
Group Optional Life Insurance and Voluntary Accidental Death and Dismemberment Insurance
Group Optional Life Insurance and Voluntary Accidental Death and Dismemberment Insurance For University of Alaska Employees Standard Insurance Company Group Optional Life Insurance Group Accidental Death
Your Life, AD&D and Disability Benefits Guide. Enroll Now To Help Secure Your Financial Future. Southern Methodist University
Your Life, AD&D and Disability Benefits Guide Enroll Now To Help Secure Your Financial Future Welcome To Your Life, AD&D And Disability Benefits Guide Protect What Matters Most Building a financial safety
Additional Life Insurance with AD&D Coverage Highlights The Salvation Army
Accidental Death and Dismemberment (AD&D) Standard Insurance Company has developed this document to provide you with information about the optional coverage you may select through. Written in non-technical
The Standard Life Insurance Company of New York Additional Life and AD&D Coverage Highlights Teachers College, Columbia University
Additional Life and Accidental Death and Dismemberment (AD&D) Insurance Life insurance coverage can help your family meet daily expenses, maintain their standard of living, pay off debt, secure your children
Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY
Group Voluntary Life and Accidental Death and Dismemberment (AD&D) Insurance FOR ACTIVE MEMBERS OF THE STATE OF NEVADA PUBLIC EMPLOYEES BENEFITS PROGRAM Answers to your questions about coverage from Standard
Group Voluntary Accidental Death And Dismemberment Insurance
Group Voluntary Accidental Death And Dismemberment Insurance For Employees of Employers Participating in the Washington Counties Insurance Fund Answers To Your Questions About Coverage From The Standard
Updating your family s financial security is Simple, Affordable & SAFE!
You never know what can happen on your watch. Is your family financially secure? Updating your family s financial security is Simple, Affordable & SAFE! The Insurance & Benefits Trust recommends all PORAC
Group Life, AD&D and Dependents Insurance
Group Life, AD&D and Dependents Insurance FOR EMPLOYEES OF FLE X TRONICS INTERNATIONAL USA, INC. Answers to your questions about coverage from Standard Insurance Company S TA N D A R D I N S U R A N C
Life Insurance & Voluntary AD&D Insurance
30 Life Insurance & Voluntary AD&D Insurance Elective Benefits The Standard Life Insurance Plan Basic and Additional (Supplemental) Life Insurance Group Policy Effective Date January 1, 2012 It s not easy
NORTHERN NEW ENGLAND BENEFIT TRUST LIFE INSURANCE ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE
NORTHERN NEW ENGLAND BENEFIT TRUST LIFE INSURANCE ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE LIFE INSURANCE ACCIDENTAL DEATH AND DISMEMBERMENT INTRODUCTION Life Insurance and Accidental Death & Dismemberment
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
Group Life Insurance. For Employees of The City of San José (Plan 3 Vantage) Answers To Your Questions About Coverage From Standard Insurance Company
Group Life Insurance For Employees of The City of San José (Plan 3 Vantage) Answers To Your Questions About Coverage From Standard Insurance Company About This Booklet This booklet is designed to answer
Group Additional Life and Accidental Death and Dismemberment (AD&D) Insurance FOR EMPLOYEES OF DOUGLAS COUNTY SCHOOL DISTRICT
Group Additional Life and Accidental Death and Dismemberment (AD&D) Insurance FOR EMPLOYEES OF DOUGLAS COUNTY SCHOOL DISTRICT Answers to your questions about coverage from Standard Insurance Company STANDARD
Life and AD&D Coverage Options
43 Life and AD&D Coverage Options Life Insurance Options Life insurance pays benefits if you die or if a dependent dies while covered by the plan. Adequate life insurance can provide important financial
Insurance & Benefits Trust of PORAC
Insurance & Benefits Trust of PORAC How Benefits are Funded Percentage of Wages Protected Catastrophic Disability Benefit Maximum Monthly Benefit Maximum Benefit Period Fully self-funded and administered
GROUP INSURANCE CERTIFICATE IMPORTANT: PLEASE READ THIS
GROUP INSURANCE CERTIFICATE STANDARD INSURANCE COMPANY certifies that you will be insured under the Group Policy described below during the time, in the manner, and for the amounts provided in the Group
Answers to your questions about coverage from Standard Insurance Company
Voluntary Short Term Disability Insurance CITY & COUNTY OF DENVER Answers to your questions about coverage from Standard Insurance Company STANDARD Voluntary INSURANCE Short Term COMPANY Disability Insurance
Voluntary Life Insurance Coverage paid by you
Voluntary Life Insurance Coverage paid by you Employee All active, full-time U.S. Employees regularly working a minimum of 30 hours per week. Benefit Amount Units of $10,000 to $500,000, not to exceed
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
Group Long Term Disability Insurance
Group Long Term Disability Insurance The California State University S T A N D A R D I N S U R A N C E C O M P A N Y The following is a brief description of some of the coverage highlights for the California
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
STANDARD INSURANCE COMPANY
STANDARD INSURANCE COMPANY A Stock Life Insurance Company 900 SW Fifth Avenue Portland, Oregon 97204-1282 (503) 321-7000 CERTIFICATE GROUP LIFE INSURANCE Policyholder: City of Alexandria, Virginia Policy
STANDARD INSURANCE COMPANY
STANDARD INSURANCE COMPANY A Stock Life Insurance Company 900 SW Fifth Avenue Portland, Oregon 97204-1282 (503) 321-7000 CERTIFICATE GROUP LIFE INSURANCE Policyholder: School Administrators Special Services
Accidental Death & Dismemberment Conversion Package
Accidental Death & Dismemberment Conversion Package Accidental Death & Dismemberment Conversion Package Converting your Accidental Death & Dismemberment Coverage from the Group Policy to an Individual
2014 Life Insurance Guide
2014 Life Insurance Guide Worldwide Assurance for Employees of Public Agencies www.waepa.org Guide 2014 Life Insurance Guide 2014 Life Insurance Guide Published by, Worldwide Assurance for Employees of
PLAN DESCRIPTION for the Members of WORLDWIDE ASSURANCE FOR EMPLOYEES OF PUBLIC AGENCIES, INC.
PLAN DESCRIPTION for the Members of WORLDWIDE ASSURANCE FOR EMPLOYEES OF PUBLIC AGENCIES, INC. Underwritten by LIFE INSURANCE COMPANY OF NORTH AMERICA Philadelphia, Pennsylvania. A Stock Insurance Company,
$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
00412296/00000.0/A /0001/A20438/99999999/0000/PRINT DATE: 6/03/06
THIS BENEFITS GUIDE HIGHLIGHTS THE PLAN BENEFITS AND FEATURES CHOSEN BY YOUR EMPLOYER. THIS IS NOT AN INSURANCE CONTRACT OR A COMPLETE DESCRIPTION OF PLAN PROVISIONS. A COMPREHENSIVE BENEFIT DESCRIPTION
YOUR GROUP AD&D INSURANCE PLAN
YOUR GROUP AD&D INSURANCE PLAN Policy Issued To: California State Firefighters' Employee Welfare Benefits Corporation Base AD&D Acct 1 6CC000 B-13082 4-14 CONTENTS OUTLINE OF COVERAGE...........................................
McKinney ISD Plan Benefits
McKinney ISD Plan Benefits Explore the coverage that makes it easy to give yourself and your loved ones more security today and in the future. Basic Life and Accidental Death and Dismemberment Insurance
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
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
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
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
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
Short Term Disability Insurance CITY AND COUNTY OF DENVER
Short Term Disability Insurance CITY AND COUNTY OF DENVER Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY About This Booklet This booklet is designed
CALIFORNIA LIFE AND HEALTH INSURANCE GUARANTEE ASSOCIATION ACT SUMMARY DOCUMENT AND DISCLAIMER
CALIFORNIA LIFE AND HEALTH INSURANCE GUARANTEE ASSOCIATION ACT SUMMARY DOCUMENT AND DISCLAIMER Residents of California who purchase life and health insurance and annuities should know that the insurance
STANDARD INSURANCE COMPANY
STANDARD INSURANCE COMPANY A Stock Life Insurance Company 900 SW Fifth Avenue Portland, Oregon 97204-1282 (503) 321-7000 CERTIFICATE GROUP LIFE INSURANCE Policyholder: University of South Alabama Policy
Group Long Term Disability Insurance
Group Long Term Disability Insurance The California State University Standard Insurance Company Group Long Term Disability Insurance The following is a brief description of some of the coverage highlights
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
Group Life Insurance Help Protect Loved Ones from Financial Hardship
Group Life Insurance Help Protect Loved Ones from Financial Hardship STANDARD INSURANCE COMPANY Your Proposed Group Life Insurance Plan Standard Insurance Company appreciates the opportunity to provide
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
Voluntary Life Insurance SCHOOL ADMINISTRATORS SPECIAL SERVICES FOR MEMBERS OF ACSA AND ACCCA
Voluntary Life Insurance SCHOOL ADMINISTRATORS SPECIAL SERVICES FOR MEMBERS OF ACSA AND ACCCA School Administrators Special Services STANDARD INSURANCE COMPANY Voluntary Life Coverage Highlights Voluntary
Group Additional Life Insurance FOR EMPLOYEES OF THE UNIVERSITY OF NEW MEXICO
Group Additional Life 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
Voluntary Long Term Disability Insurance FOR EMPLOYEES OF KENT STATE UNIVERSITY
Voluntary Long Term Disability Insurance FOR EMPLOYEES OF KENT STATE UNIVERSITY Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY About This Booklet This
Life. Group Term Life Plans Group Sizes 2 or more. Underwritten by BEST Life and Health Insurance Co. LIFE-081809
Group Term Plans Group Sizes 2 or more Underwritten by BEST and Health Insurance Co. LIFE-081809 Insurance for Protection Group Term insurance provides valuable and affordable group benefits, providing
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
Group Term Life Products
Group Term Life Products Group Term Life insurance provides valuable and affordable financial protection for employees and their families during times of loss, illness or injury. BEST Life Gold (Employer-Contributory)
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
NOTICE OF PROTECTION PROVIDED BY ILLINOIS LIFE AND HEALTH INSURANCE GUARANTY ASSOCIATION
NOTICE OF PROTECTION PROVIDED BY ILLINOIS LIFE AND HEALTH INSURANCE GUARANTY ASSOCIATION This notice provides a brief summary description of the Illinois Life and Health Insurance Guaranty Association
You never know what can happen on your shift. Is your family financially secure?
You never know what can happen on your shift. Is your family financially secure? Benefits Division Group Life Insurance and Accidental Death Insurance The California State Firefighters Employee Welfare
Voluntary Short Term Disability Insurance
Voluntary Short 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
Group Short Term Disability Insurance
Group Short Term Disability Insurance Protect Your Employees from Loss of Income Standard Insurance Company Short Term Disability Insurance Your proposed Group Insurance Plan Standard Insurance Company
USBA Double Value TWO for ONE Family Group Level Term Life Insurance Plan
USBA Double Value TWO for ONE Family Group Level Term Life Insurance Plan Our USBA Double Value TWO for ONE Family Group Level Term Life plan has been our most popular life insurance plan almost from the
Group Life Insurance. Massachusetts Board of Higher Education STANDARD INSURANCE COMPANY
Group Life Insurance Massachusetts Board of Higher Education STANDARD INSURANCE COMPANY Group Life Insurance Answers to your questions about coverage from Standard Insurance Company About This Booklet
MedGuard Critical Illness Insurance
MedGuard Critical Illness Insurance Exclusively marketed by: TM MedGuard-BR-TX-FLIC-1012 Quality Coverage When You Need It Most Although nobody likes to think about it, the possibility of being diagnosed
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
City of Tuscaloosa GVTL-AE3M Revised: January 1, 2016 All Eligible Employees
City of Tuscaloosa GVTL-AE3M Revised: January 1, 2016 All Eligible Employees This Summary of Coverage provides a brief description of some of the terms, conditions, exclusions and limitations of Your employer
Group Life and AD&D Plan
Group Life and AD&D Plan TABLE OF CONTENTS (Click on any item below to go to that section) Introduction Group Life and AD&D Overview Life Insurance Optional Life Insurance Dependent Life Insurance Proof
Group Term Life and Accidental Death & Dismemberment Benefits
Group Term Life and Accidental Death & Dismemberment Benefits Group Term Life Insurance (GTL) is designed to provide benefits to your designated beneficiary for loss of life. Accidental Death and Dismemberment
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
Supplemental Life and AD&D Insurance Benefit Highlights
Supplemental Life and AD&D Insurance Benefit Highlights Benefit Highlights Southern Orthopedic Associates What is supplemental life and AD&D insurance? Am I eligible? When can I enroll? When is it effective?
Basic Term Life and Accidental Death and Dismemberment Insurance (AD&D)
Chico Research Foundation Plan Benefits Explore the coverage that makes it easy to give yourself and your loved ones more security today and in the future. Basic Term Life and Accidental Death and Dismemberment
Voluntary Short Term Disability Insurance
Voluntary Short Term Disability Insurance F O R G O V E R N M E N T O F T H E D I S T R I C T O F C O L U M B I A E M P L O Y E E S Answers to your questions about coverage from Standard Insurance Company
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
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
USBA Life-Time Value Group Whole Life Insurance Plan
USBA Life-Time Value Group Whole Life Insurance Plan If you want permanent lifetime coverage with guaranteed rates, guaranteed benefits, and a guaranteed schedule of cash value, USBA Life-Time Value Group
Group Voluntary Life Insurance
Group Voluntary Life Insurance For Employees of The California State University Standard Insurance Company Voluntary Group Life Insurance About This Brochure This brochure is designed to answer some common
Group Life Insurance Plan Commentary
Group Life Insurance Plan Commentary TABLE OF CONTENTS YOUR GROUP LIFE INSURANCE PLAN... 3 PROTECTING YOUR PRIVACY... 4 ELIGIBILITY... 6 OVERVIEW... 9 CLAIMS... 13 BASIC LIFE INSURANCE... 14 BASIC AD&D
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
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
Group Short Term Disability Insurance
Group Short Term Disability Insurance Protect Your Employees From Loss Of Income Standard Insurance Company Short Term Disability Insurance Your Proposed Group Insurance Plan Standard Insurance Company
STANDARD INSURANCE COMPANY
STANDARD INSURANCE COMPANY A Stock Life Insurance Company 900 SW Fifth Avenue Portland, Oregon 97204-1282 (503) 321-7000 CERTIFICATE AND SUMMARY PLAN DESCRIPTION GROUP LIFE INSURANCE Policyholder: The