Life & Disability Insurance. For COSE Employer Groups with 10+ Employees
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1 Life & Disability Isurace For COSE Employer Groups with 10+ Employees
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3 Life ad Disability Isurace Offerig a great beefit like life ad disability isurace is a excellet way to help attract ad retai taleted employees. As a COSE member, you have access to high-quality plas through Cosumers Life, a subsidiary of Medical Mutual of Ohio. Cosumers Life is proud to be a Ohio-based compay with a track record of providig flexible cost-sharig optios ad award-wiig service. Plaig for the Uexpected Life isurace ca help your employees create a fiacial safety et for their loved oes. Oe third of Americas believe they would feel the fiacial impact from the loss of a primary wage earer withi a moth of the wage earer s passig. Half say they would feel a impact withi six moths. Youger people say they d feel a impact sooer tha older people. Studies fid that cosumers overestimate the cost of life isurace by early three-fold. This is particularly true amog youger cosumers, who are geerally more likely to qualify for preferred rates because of their age ad health status. 1 Cosumers have a great deal of misuderstadig about disability isurace. Nearly 90 percet of disabilities are ot work-related ad, therefore, are ot covered by workers compesatio. Illess, ot accidets, is resposible for most of the disabilities people suffer. Isurace statistics show that oly 9 percet of log-term disabilities actually are the results of serious accidets. The top causes of disability are ofte triggered by more commo, chroic coditios. Optios to Fit Your Needs Cosumers Life offers two excellet optios to COSE members. If you choose a Group-Sposored Pla, you must pay at least 25 percet of the cost of the isurace ad meet a miimum erollmet requiremet of 75 percet. A Volutary Pla is fully paid by your employees ad does ot have a miimum erollmet requiremet. The followig plas are available to COSE members: Group-Sposored Beefits Life ad accidetal death ad dismembermet isurace Depedet life isurace Short-term disability isurace Log-term disability isurace Volutary Beefits (employee-paid) Life isurace Short-term disability isurace The Social Security Admiistratio estimates that oe out of three Americas eterig the workforce today will become disabled before they retire. 2 For more iformatio about what optios are right for your compay, call (440) or COSEBeefts@MedMutual.com. This is a overview oly. For a complete listig of beefits ad exclusios, please refer to your certificate ad/or policy. This documet does ot secure coverage or rates ad is for iformatioal purposes oly. Foototes: 1. Facts are from LIMRA s life isurace cosumer studies, Facts are from LIMRA, Life Happes, Coucil for Disability Awareess (CDA), ad Social Security Disability Isurace (SSDI) 1
4 Group-Sposored Beefits Life ad Accidetal Death ad Dismembermet (AD&D) Isurace This pla s life isurace coverage pays a beefit if a covered employee dies from ay cause. AD&D beefits may also be paid if a covered employee dies as a result of a accidet or suffers ay of the ijuries below. (Note: Refer to certificate book for full schedule ad listig of covered losses.) Loss hads, feet or figers Loss of sight, speech or hearig Quadriplegia Paraplegia Hemiplegia Uiplegia AD&D coverage also icludes the followig beefits: seatbelt, airbag, repatriatio, depedet educatio ad coma, which are paid i additio to the life ad AD&D beefit. You may provide life ad AD&D isurace equal to: Ay multiple of $5,000 (miimum of $10,000) A multiple of aual base earigs (e.g., 1, 1½, 2) A specified amout based o job class (up to three classes) ad the size of the group, subject to a miimum of $10,000 for ay class A employee s life ad AD&D isurace coverage will be reduced by 50 percet at age 70 ad further reduced to 25 percet of the origial amout at age 75. You may choose to provide coverage for eligible employees as of the date of the hire or after a oe-, two- or three-moth waitig period. Group Size No-Medical Maximum* Maximum Issue 1 to 9 $35,000 $100, to 24 $50,000 $150, to 49 $75,000 $175, to 150 $100,000 $200,000 * These amouts are applicable for ew groups oly. Existig Basic Life/AD&D customers wishig to icrease their coverage may be subject to medical uderwritig. Depedet Life Isurace Depedet life isurace coverage for a employee s spouse/domestic parter or depedet childre is also available. Spousal/domestic parter coverage equals $5,000. Coverage for umarried, depedet childre equals $5,000 for each child age 6 moths to 21 years ad $100 for each child from 14 days to 6 moths. Coverage is exteded to age 25 if the depedet child is a full-time studet ad is fully supported by the isured employee. Short-Term Disability Isurace Short-term disability isurace protects your employees from the loss of icome i the evet of a short-term illess or ijury. Through Cosumers Life, COSE offers two group-sposored optios to choose from: the pla ad the pla. You may select a maximum weekly beefit of 70 percet of a employee s basic weekly icome, ot to exceed $500 per week. The miimum weekly beefit is $ Pla Beefits are payable o the 1st caledar day of absece due to a accidet or the 8th caledar day of absece due to sickess. The pla cotiues a portio of a employee s pay for up to 26 weeks durig which the employee caot work because of a o-occupatioal illess or ijury Pla Beefits are payable o the 15th caledar day of absece due to a accidet or the 15th caledar day of absece due to sickess. The pla cotiues a portio of a employee s pay for up to 26 weeks durig which the employee caot work because of a o-occupatioal illess or ijury. 2
5 Log-Term Disability Isurace Log-term disability isurace protects your employees from a log-term loss of icome due to a serious disability or illess. Through Cosumers Life, COSE offers two group-sposored optios to choose from, oe with a 90-day elimiatio period (Pla 1) ad oe with a 180-day elimiatio period (Pla 2). The elimiatio period (waitig period) begis the day after the covered employee s last day worked, either at 90 days or 180 days, depedig o the pla selected. Pla 1 with a 90-day elimiatio period, for example, beefits would begi o the 91st day after the employee s last day worked. Mothly log-term disability beefits are equal to 60 percet of a employee s basic mothly earigs, reduced by ay disability beefits received from workers compesatio, Social Security, other group disability icome plas ad ay other icome beefits. Log-term disability beefits are subject to a miimum beefit of $100 per moth ad maximum beefit of $5,000 per moth. Employees who work at least 30 hours per week are eligible to be erolled uder the log-term disability pla after three cosecutive moths of active employmet. This pla cotiues a portio of a employee s mothly earigs if he or she qualifies as totally disabled: Durig the first 24 moths, if the employee is uable to perform the material duties of his or her occupatio. After 24 moths, if the employee is uable to perform the material duties of ay gaiful occupatio for which he or she is reasoably suited by traiig, educatio or experiece. Beefits are payable for a disability caused by a ijury or illess after the employee has satisfied the elimiatio period, provided there is a icurred loss of earigs of at least 20 percet. The elimiatio period of 90 days (Pla 1) or 180 days (Pla 2) ca be satisfied with either total or partial disability or a combiatio of both. Pre-existig Coditio Exclusio A pre-existig coditio exclusio applies to groupsposored log-term disability plas. A total or a partial disability that begis withi the 24-moth period after the employee s effective date ad is caused by, cotributed to or results from a pre-existig coditio is ot covered. A pre-existig coditio is a sickess or ijury for which the employee, withi the 12-moth period prior to his or her effective date of coverage, received medical treatmet, cosultatio, care or other services, icludig diagostic measures, or had take prescribed drugs or medicies. A disability that begis more tha 24 moths after the employee s effective date or a disability that is caused by a coditio for which a employee has bee treatmet-free for six cosecutive moths after the effective date will ot be excluded from coverage uder the pre-existig coditios exclusio. Icreases i beefit amouts elected at a later date are subject to this pre-existig coditio exclusio. Beefit Reductio Schedule Age Rage Duratio Uder 60 To age moths moths moths moths moths moths moths moths moths 69 ad older 12 moths Beefits are payable to age 65 with reduced beefit duratio i compliace with ADEA. 3
6 Volutary Beefits While offerig similar coverage to our group-sposored isurace optios, volutary beefits are fully paid by employees ad do ot have a miimum erollmet requiremet. Life Isurace A volutary term life isurace pla is available ad has o miimum employee participatio requiremet. The coverage pays a beefit if a covered employee dies from ay cause. Beefits are available i icremets of $10,000, up to a maximum of $300,000. There is a o-medical maximum of $10,000 if the employee elects coverage withi 31 days of their eligibility date, plus a additioal $10,000 omedical maximum available at aual erollmet. Volutary Life Isurace Rates Employer groups with employees Age Rage No-tobacco User Tobacco User Uder 30 $0.56 $ to 34 $0.65 $ to 39 $0.74 $ to 44 $1.39 $ to 49 $1.95 $ to 54 $3.24 $ to 59 $5.56 $ to 64 $8.71 $ to 69 $13.71 $ ad older $21.95 $36.78 Volutary life mothly rates are per $10,000 of coverage. Short-Term Disability Isurace If you do t offer group-sposored short-term disability coverage, you ca istead offer volutary short-term disability isurace, which protects your employees from the loss of icome i the evet of a short-term illess or ijury. COSE offers two optios to choose from with varyig beefit waitig periods. There is o miimum employee participatio requiremet. Employees may choose a weekly beefit i icremets of $50 up to a maximum of 70 percet of their basic weekly icome, ot to exceed $500 per week. The miimum weekly beefit available is $ Pla Beefits are payable o the 1st caledar day of absece due to a accidet or the 8th caledar day of absece due to sickess. The pla cotiues a portio of a employee s pay for up to 26 weeks durig which the employee caot work because of a o-occupatioal illess or ijury Pla Beefits are payable o the 15th caledar day of absece due to a accidet or the 15th caledar day of absece due to sickess. The pla cotiues a portio of a employee s pay for up to 26 weeks durig which the employee caot work because of a o-occupatioal illess or ijury. Pre-existig Coditio Exclusio A 12/12 pre-existig coditio exclusio applies to both volutary short-term disability plas. A total disability or a partial disability that begis i the 12-moth period after the employee s effective date ad is caused by, cotributed to or results from a pre-existig coditio is ot covered. A pre-existig coditio is a sickess or ijury for which the employee, withi the 12-moth period prior to his or her effective date of coverage, received medical treatmet, cosultatio, care or other services, icludig diagostic measures, or had take prescribed drugs or medicies. Icreases i beefit amouts elected at a later date are subject to this pre-existig coditio exclusio. Volutary Short-Term Disability Coverage Rates Employer groups with employees Age Rage Pla Rate Pla Rate Uder 40 $0.44 $ to 44 $0.45 $ to 49 $0.52 $ to 54 $0.63 $ to 59 $0.76 $ to 64 $0.88 $ to 69 $1.16 $ ad older $1.56 $1.25 Short-term disability mothly rates are per $10 of beefits. 4
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8 15885 West Sprague Road Strogsville, OH CosumersLife.com 2016 Cosumers Life Isurace Compay Z7770-LDI R5/16
Life & Disability Insurance. For COSE Employer Groups with 1 9 Employees
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