Rockford Public Schools District 205 Benefits Enrollment Presentation. Underwritten by: United of Omaha Life Insurance Company
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1 Rockford Public Schools District 205 Benefits Enrollment Presentation Underwritten by: United of Omaha Life Insurance Company 15184
2 Topics Benefits and features How to enroll for coverage Questions What to listen for? Why you should have Life Insurance? What does it cover? When does it pay? [How much does it pay? How long does it pay?]
3 Eligibility All Eligible Employees Employee Eligibility Requirement You must be actively at work (based on plan requirements) and able to perform all normal duties of your job to be eligible for coverage. You must elect coverage in order for your dependents to be eligible for coverage. Dependent Eligibility Requirements Dependent insurance is also available, but only when you, as the employee, also select coverage for yourself. All dependents must be performing normal activities and not be confined (at home, in a hospital or in any other care facility).
4 Term Life & Accidental Death & Dismemberment Benefits Why You Should Have Life Insurance Life Insurance Can Help Provide Financial Assistance with: Immediate Expenses Funeral and uncovered medical expenses Mortgage Credit card debt and other loans Ongoing Expenses Food / Clothing Utilities Healthcare / Insurance Transportation Future Expenses College Retirement
5 Term Life Benefit Amounts Term life coverage is available without answering medical questions or physical exams, up to the Guaranteed Issue Amount during this open enrollment only. Coverage Guidelines Employee Spouse Child(ren) Minimum $10,000 $10,000 $2,000 Maximum 5 times annual salary, up to $500, % of employee s benefit, up to $500,000 $20,000 Guarantee Issue Amount 5 times annual salary, up to $200, % of employee s benefit, up to $50,000 $20,000 Note: In order to purchase life coverage for your dependents, you must buy coverage for yourself. [Children include those 14 days old, up to age 26.]
6 Term Life & AD&D Benefit Details Portable - Allows you to continue this insurance program for yourself and your dependents should you leave your employer for any reason or if you are no longer eligible for insurance under the group term life plan. Convertible - If your insurance ends for any reason, you may apply for an individual life insurance policy from Mutual of Omaha without having to provide evidence of insurability (information about your health). You will be responsible for the premium for the coverage. Accelerated Death Benefit 75% of the amount of the life insurance benefit is available to you if terminally ill, not to exceed $100,000. Waiver of Premium Your insurance coverage may be continued without payment of premium if the following conditions are satisfied: If it is determined that you are totally disabled. You are under age 60 at the time of disability. The disability elimination period has been satisfied. Dependent Coverage - To be eligible for coverage, your dependents must be able to perform normal activities and not be confined (at home, in a hospital, or in any other care facility). Accidental Death and Dismemberment
7 Term Life & AD&D Benefits Exclusions and Limitations Exclusions and limitations include: Age Reductions Attained Age Insurance Reduction Amount 75 60% of original amount 80 35% of original amount Suicide Benefits will not be paid if an insured s death is a result of suicide within two years from the date of issue of this coverage. If this occurs, the sum of the premiums paid will be returned to the beneficiary. For a copy of the Life & AD&D exclusions, limitations and reductions, please refer to your enrollment packet.
8 Underwritten By: United of Omaha Life Insurance Company A Mutual of Omaha Company 3300 Mutual of Omaha Plaza Omaha, NE [Accident insurance underwritten by United of Omaha Life Insurance Company, 3300 Mutual of Omaha Plaza, Omaha, NE 68175, Policy form number 7000GM-U-EZ 2010 or state equivalent (7000GM-U-EZ 2010 NC).] United of Omaha Life Insurance Company is licensed nationwide, except in New York.] [Critical illness insurance underwritten by United of Omaha Life Insurance Company, 3300 Mutual of Omaha Plaza, Omaha, NE 68175, Policy form number 7000GM-U-EZ 2010 or state equivalent (7000GM-U-EZ 2010 NC).] United of Omaha Life Insurance Company is licensed nationwide, except in New York.] [Disability insurance underwritten by United of Omaha Life Insurance Company, 3300 Mutual of Omaha Plaza, Omaha, NE 68175, Policy form number 7000GM-U-EZ 2010 or state equivalent (7000GM-U-EZ 2010 NC).] United of Omaha Life Insurance Company is licensed nationwide, except in New York.] [Life insurance is underwritten by United of Omaha Life Insurance Company, 3300 Mutual of Omaha Plaza, Omaha, NE 68175, Policy form number 7000GM-U-EZ 2010 or state equivalent (7000GM-U-EZ 2010 NC). United of Omaha Life Insurance Company is licensed nationwide, except in New York.] Some exclusions, limitations and reductions may apply. Please contact United of Omaha for specific product details and policy provisions. United of Omaha Life Insurance Company is responsible for its own contractual and financial obligations
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