Washington State Fire Fighters Association Member Benifits Booklet

Transcription

1 Washington State Fire Fighters Association 2016 Member Benifits Booklet

2 TABLE OF CONTENTS Who We Are...4 Accident Insurance...5 Cancer Insurance...6 Critical Illness Insurance...7 Disability Insurance...8 Hospital Confinement Indemnity Insurance...9 Term Life Insurance...10 WellCard Youville...12 Contact Information...16

3 Who we are For 75 years, Colonial Life has helped America s workers preserve and protect the vitally important things they ve worked so hard to build, even during unexpected events and challenging times. You can rely on us. As a trusted industry leader, we: Have a long history of consistently strong industry ratings and profitable growth. Provide a higher standard of benefits communication and education, enrollment capabilities and customer service. Operate in 49 states, the District of Columbia and Puerto Rico. In New York, similar products and services, if approved, are underwritten by The Paul Revere Life Insurance Company. Help more than 80,000 businesses and organizations, and more than 3 million policyholders. 1 How voluntary benefits can help you We offer a comprehensive portfolio of voluntary benefits, or supplemental insurance products, designed to help provide additional financial protection when you need it most. These products can enhance your current benefits package in a variety of ways. Some of our voluntary benefits can help you pay for what your medical insurance may not cover, such as deductibles and co-payments, while others can help protect your income and maintain your family s way of life. Our voluntary benefits are backed with professional, personal service from a team that s passionate about helping you during your time of need. Advantages of voluntary benefits With most plans: Coverage options are available for you and your eligible dependents. Benefits are paid directly to you, unless you specify otherwise. You re paid regardless of any other insurance you may have with other companies. You can take coverage with you, even if you change jobs or retire. Talk with your benefits counselor to learn more, or visit ColonialLife.com. 1 Colonial Life & Accident Insurance Company corporate records as of year-end

4 Accident Insurance Accidents can happen anytime, anywhere. Accidents are usually followed by a series of bills. Even if you have good insurance, you may still have to cover out-of-pocket costs, such as: Doctor bills Ambulance fees Hospital expenses Accident insurance from Colonial Life & Accident Insurance Company can help protect you, your spouse and your dependent children from the unexpected expenses of an accident. Features of Colonial Life s Accident Insurance: You are paid benefits to help you with the care and treatment of a covered accidental injury. Your benefits are paid directly to you (unless you specify otherwise). You are paid benefits regardless of any other insurance you may have with other insurance companies. You can take your coverage with you if you change jobs or retire. Talk with your Colonial Life benefits counselor to learn more about accident insurance and how it can help protect what you ve worked so hard to build. Colonial Life insurance products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand. available in all states. For cost and complete details, see a Colonial Life benefits counselor. 5

5 Cancer Insurance How will you pay for what your health insurance won t? If diagnosed with cancer, would you have the money to cover: Out-of-network treatments Experimental treatments Rehabilitation Travel and lodging Child care expenses Cancer insurance from Colonial Life & Accident Insurance Company helps guard against financial hardship if you or a loved one is diagnosed with cancer. Features of Colonial Life s Cancer Insurance: Helps pay some of the direct and indirect costs related to cancer diagnosis and treatment. Helps pay for expenses health insurance may not cover, such as deductibles and coinsurance. Pays an annual benefit for specified cancer screening tests. Talk with your Colonial Life benefits counselor to learn more about cancer insurance and how it can help provide financial security for you and your family. Colonial Life insurance products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand. Coverage is subject to policy exclusions and limitations that may affect benefits payable. Products may vary by state and may not be available in all states. For cost and complete details, see a Colonial Life benefits counselor. 6

6 Critical Illness Insurance Are you prepared for the cost of an illness? If you were to suffer a heart attack, stroke or other critical illness, would you have the money to cover: Deductibles and coinsurance Home health care needs Travel and lodging Lost income Rehabilitation Child care Even those who plan for the unexpected with life, disability and health insurance may discover that some critical illness expenses can still remain unpaid. Without adequate protection, you could have to pull from savings or rely on other financial sources in your time of need. Critical illness insurance from Colonial Life & Accident Insurance Company helps preserve your lifestyle in the event of a specified critical illness. It provides benefits that you can use however you like. Features of Colonial Life s Critical Illness Insurance: Pays a benefit if you are diagnosed with a covered specified critical illness. Coverage is available for you and your covered dependents. Talk with your Colonial Life benefits counselor to learn more about critical illness insurance and how it can help provide valuable financial protection. Colonial Life insurance products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand. Coverage is subject to policy exclusions and limitations that may affect benefits payable. Products may vary by state and may not be available in all states. For cost and complete details, see a Colonial Life benefits counselor. 7

7 Disability Insurance If you got sick or hurt and couldn t work, how long could you go without a paycheck? In today s economy, it d be difficult losing just one paycheck. But a disability could have you out of work for days, weeks, months or even a year. Disability insurance from Colonial Life & Accident Insurance Company can help protect your income, so you can maintain your way of life. Features of Colonial Life s Disability Insurance income protection coverage: You re paid regardless of any other insurance you may have with other insurance companies. Benefits are paid directly to you, unless you specify otherwise. You may choose the amount of your disability benefits to meet your needs, subject to income. You can take your coverage with you if you change jobs or leave your employer. Talk with your Colonial Life benefits counselor to learn more about disability insurance and how it can help protect your paycheck. Colonial Life insurance products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand. Coverage is subject to policy exclusions and limitations that may affect benefits payable. Products may vary by state and may not be available in all states. For cost and complete details, see a Colonial Life benefits counselor. 8

8 Hospital Confinement Indemnity Insurance You may have health insurance, but are you really covered? Health insurance may cover: Hospital fees Outpatient surgery Doctor/ER visits Prescriptions It may not cover: Deductibles Co-payments Coinsurance Hospital confinement indemnity insurance from Colonial Life & Accident Insurance Company can help you with unexpected health care expenses that your medical insurance may not cover. It pays an indemnity benefit for each covered hospital confinement. Plans also include a wellness testing benefit, which helps reimburse you for a portion of the tests you would normally have each year. Features of Colonial Life s Hospital Confinement Indemnity Insurance: Benefits are paid directly to you, unless you specify otherwise. Benefits are paid regardless of any other insurance you may have with other insurance companies. You can take your coverage with you if you change jobs or leave your employer. Coverage is guaranteed renewable as long as premiums are paid when they are due. Coverage is available for you, your spouse and your dependent children. Talk with your Colonial Life benefits counselor to learn more about hospital confinement indemnity insurance. Colonial Life insurance products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand. Coverage is subject to policy exclusions and limitations that may affect benefits payable. Products may vary by state and may not be available in all states. For cost and complete details, see a Colonial Life benefits counselor. 9

9 Term Life Insurance Life insurance protection when you need it most Life insurance needs change as life circumstances change. You may need different coverage if you re: Getting married Buying a home Having a child Taking on additional debt Term life insurance from Colonial Life & Accident Insurance Company provides protection for a specified period of time, typically offering the greatest amount of coverage for the lowest initial premium. This fact makes term insurance a good choice for supplementing cash value coverage during life stages where obligations are higher, such as while children are young. It s also a good option for families on a tight budget especially since you can convert it to a permanent cash value plan later. Benefits of Colonial Life s Term Life Insurance: Provides a benefit for the beneficiary that is typically free from income tax. The policy s Accelerated Death Benefit can pay a percentage of the death benefit if the insured is diagnosed with a terminal illness. You can take it with you if you change jobs or retire. Convert to a Colonial Life cash value life insurance plan, with no proof of good health, to age 75. Spouse and dependent children coverage is available. Why take chances with your family s financial security? Talk with your Colonial Life benefits counselor to learn more about term life insurance. Colonial Life insurance products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand. Coverage is subject to policy exclusions and limitations that may affect benefits payable. Products may vary by state and may not be available in all states. For cost and complete details, see a Colonial Life benefits counselor. 10

10 Get discounts on health and wellness services Present WellCard at any participating doctor s office or pharmacy to start saving money. WellCard could save you and your family money on: Doctor office visits Prescription drugs Attend a 1-to-1 counseling session with your Colonial Life benefits counselor to receive a complimentary WellCard. Vision and hearing products and services Lab work, MRI scans and X-rays Vitamins and daily living products Plus, gain access to the following: 24/7 doctor consultations by phone or Medical bill help A free online health library A cash rewards mall and more Visit WellCardSavings.com or call for more information on each of the products and services. ColonialLife.com WellCard is not insurance and is not intended to replace insurance. Discounts are only available at participating pharmacies and providers. Void where prohibited by law. Services must be paid for at the time rendered to obtain discounts. Discount Medical Plan Organization is AccessOne Consumer Health, Inc. 84 Villa Rd Greenville, SC Colonial Life & Accident Insurance Company, Columbia, SC Colonial Life insurance products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand

11 Discover which benefits are right for you - at Youville Few things are more important than knowing what bene ts you need in each stage of your life. After all, the right bene ts can help protect you ncially during unexpected times of need. Fortunately, understanding your bene ts is not nearly as di cult as you may think. An educational website called Youville is here to help you quickly become more knowledgeable about member and family bene ts. The site o ers: Information on ncial protection. Personalized bene t recommendations. Insurance terms to know. Guidance around changing needs at di rent life stages. So what are you waiting for? Youville better prepares you for your 1-to-1 counseling session. Go to the Youville website. Complete the brief questionnaire. Print out your personal bene t recommendations and summary. Take the printout with you to a 1-to-1 session with your Colonial Life bene ts counselor. You ll be more informed about the bene t options that can help protect you and your family. Visit Youville, where it s all about you! Colonial Life 1200 Colonial Life Boulevard Columbia, South Carolina coloniallife.com Colonial Life & Accident Insurance Company Colonial Life products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand

12 Your new benefits options are now available! Call today to speak with a benefits professional to disucss your plan options and rates. Call or visit For more information, contact Trent Smith (800) trent.smith@coloniallife.com ColonialLife.com 2014 Colonial Life & Accident Insurance Company, Columbia, SC Colonial Life insurance products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand NS-13469