Long-Term Disability Benefit Summary
|
|
- Trevor Fox
- 6 years ago
- Views:
Transcription
1 CHILDREN'S HOME OF WYOMING CONFERENCE Log-Term Disabiity Beefit Summary Group Number: About Your Beefits: You probaby have isurace for your car or home, but what about the source of icome that pays for it? You rey o your paycheck for so may thigs, but what if you were suddey uabe to work due to a accidet or iess? How wi you put food o the tabe, pay your mortgage or heat your home? Disabiity isurace ca hep repace ost icome ad make a difficut time a itte easier. Protect your most vauabe asset, your paycheck-ero today! What Your Beefits Cover:. Coverage amout Maximum paymet period: Maximum egth of time you ca receive disabiity beefits. Accidet beefits begi: The egth of time you must be disabed before beefits begi. Iess beefits begi: The egth of time you must be disabed before beefits begi. Evidece of Isurabiity: Aheathstatemetrequirigyouto aswer a few medica history questios. Guaratee Issue: The guaratee meas you are ot required to aswer heath questios to quaify for coverage up to ad icudig the specified amout, whe appicat sigs up for coverage durig the iitia eromet period. Miimum work hours/week: Miimum umber of hours you must reguary work each week to be eigibe for coverage. Log-Term Disabiity 60% of saary to maximum $5000/moth To age 65, stadard ADEA Day 181 Day 181 Heath Statemet may be required We Guaratee Issue $5000 i coverage Pahoder Determies Pre-existig coditios: Apre-existigcoditioicudesay coditio/symptom for which you, i the specified time period prior to coverage i this pa, cosuted with a physicia, received treatmet, or took prescribed drugs. 3mothsookback;12mothsafterimitatio Premium waived if disabed: Premium wi ot eed to be paid whe you are receivig beefits. Survivor beefit: Additioa beefit payabe to your famiy if you die whie disabed. Yes 3moths UNDERSTANDING YOUR BENEFITS DISABILITY (Some iformatio may vary by state) Disabiity (og-term): For first two years of disabiity, you wi receive beefit paymets whie you are uabe to work i your ow occupatio. After two years, you wi cotiue to receive beefits if you caot work i ay occupatio based o traiig, experiece ad educatio. Beefit iformatio iustrated withi this materia refects the pa covered by Guardia as of 10/21/2016 CHILDREN'S HOME OF WYOMING CONFERENCE ALL ELIGIBLE EMPLOYEES Beefit Summary The Guardia Life Isurace Compay of America, 7 Haover Square, New York, NY
2 Earigs defiitio: Your covered saary icudes average bouses ad commissios. Specia imitatios: Provides a 24-moth beefit imit for meta heath ad substace abuse. Work icetive: Pa beefit wi ot be reduced for a specified amout of moths so that you have part-time earigs whie you remai disabed, uess the combied beefit ad earigs exceed 100% of your previous earigs. CHILDREN'S HOME OF WYOMING CONFERENCE ALL ELIGIBLE EMPLOYEES Beefit Summary The Guardia Life Isurace Compay of America, 7 Haover Square, New York, NY
3 Log-Term Disabiity Pa Bi-weeky Cost Iustratio: To determie the most appropriate eve of coverage, you shoud cosider your curret basic mothy expeses. To hep you assess your eeds, you ca aso go to Guardia Aytime ad use our Disabiity Isurace Exporer Too. Poicy amouts show based o sampe saary amouts oy. < Your premium rate $0.160 $0.240 $0.350 $0.420 $0.620 $0.820 $0.980 $1.230 $1.280 Eectio Cost Per Age Bracket < $15,000 Aua Saary $750 Mothy Beefit $0.92 $1.39 $2.02 $2.42 $3.58 $4.73 $5.65 $7.10 $7.39 $20,000 Aua Saary $1,000 Mothy Beefit $1.23 $1.85 $2.69 $3.23 $4.77 $6.31 $7.54 $9.46 $9.85 $25,000 Aua Saary $1,250 Mothy Beefit $1.54 $2.31 $3.37 $4.04 $5.96 $7.88 $9.42 $11.83 $12.31 $30,000 Aua Saary $1,500 Mothy Beefit $1.85 $2.77 $4.04 $4.85 $7.15 $9.46 $11.31 $14.19 $14.77 $35,000 Aua Saary $1,750 Mothy Beefit $2.15 $3.23 $4.71 $5.65 $8.35 $11.04 $13.19 $16.56 $17.23 $40,000 Aua Saary $2,000 Mothy Beefit $2.46 $3.69 $5.38 $6.46 $9.54 $12.61 $15.08 $18.92 $19.69 $45,000 Aua Saary $2,250 Mothy Beefit $2.77 $4.15 $6.06 $7.27 $10.73 $14.19 $16.96 $21.29 $22.15 $50,000 Aua Saary $2,500 Mothy Beefit $3.08 $4.62 $6.73 $8.08 $11.92 $15.77 $18.85 $23.66 $24.62 $55,000 Aua Saary $2,750 Mothy Beefit $3.38 $5.08 $7.40 $8.88 $13.11 $17.35 $20.73 $26.02 $27.08 $60,000 Aua Saary $3,000 Mothy Beefit $3.69 $5.54 $8.08 $9.69 $14.31 $18.92 $22.62 $28.39 $29.54 $65,000 Aua Saary $3,250 Mothy Beefit $4.00 $6.00 $8.75 $10.50 $15.50 $20.50 $24.50 $30.75 $32.00 $70,000 Aua Saary $3,500 Mothy Beefit $4.31 $6.46 $9.42 $11.31 $16.69 $22.08 $26.38 $33.11 $34.46 $75,000 Aua Saary $3,750 Mothy Beefit $4.62 $6.92 $10.10 $12.12 $17.89 $23.65 $28.27 $35.48 $36.92 $80,000 Aua Saary $4,000 Mothy Beefit $4.92 $7.39 $10.77 $12.92 $19.08 $25.23 $30.16 $37.85 $39.39 $85,000 Aua Saary $4,250 Mothy Beefit $5.23 $7.85 $11.44 $13.73 $20.27 $26.81 $32.04 $40.21 $41.84 $90,000 Aua Saary $4,500 Mothy Beefit $5.54 $8.31 $12.12 $14.54 $21.46 $28.39 $33.92 $42.58 $44.31 $95,000 Aua Saary $4,750 Mothy Beefit $5.85 $8.77 $12.79 $15.35 $22.66 $29.96 $35.81 $44.94 $46.77 $100,000 Aua Saary $5,000 Mothy Beefit $6.15 $9.23 $13.46 $16.15 $23.85 $31.54 $37.69 $47.31 $49.23 CHILDREN'S HOME OF WYOMING CONFERENCE ALL ELIGIBLE EMPLOYEES Beefit Summary The Guardia Life Isurace Compay of America, 7 Haover Square, New York, NY
4 Maage Your Beefits: Go to to access secure iformatio about your Guardia beefits. Your o-ie accout wi be set up withi 30 days after your pa effective date. Need Assistace? Ca the Guardia Hepie (888) , weekdays, 8:00 AM to 8:30 PM, EST. Refer to your member ID (socia security umber) ad your pa umber: ASUMMARYOF DISABILITYPLANLIMITATIONS AND EXCLUSIONS Evidece of Isurabiity is required o a ate eroees. This coverage wi ot be effective uti approved by a Guardia uderwriter. This proposa is hedged subject to satisfactory fiacia evauatio. Pease refer to certificate of coverage for fu pa descriptio. You must be workig fu-time o the effective date of your coverage; otherwise, your coverage becomes effective after you have competed a specific waitig period. Empoyees must be egay workig i the Uited States i order to be eigibe for coverage. Uderwritig must approve coverage for empoyees o temporary assigmet: (a) exceedig oe year; or (b) i a area uder trave warig by the US Departmet of State. Subject to state specific variatios. For Log-Term Disabiity coverage, we imit beefits for a disabiity caused or cotributed to by a pre-existig coditio uess the disabiity starts after you have bee isured uder this pa for a specified period of time. We imit the duratio of paymets for og term disabiities caused by meta or emotioa coditios, or acoho or drug abuse. We do ot pay beefits for charges reatig to a covered perso: takig part i ay war or act of war (icudig service i the armed forces) committig a feoy or takig part i ay riot or other civi disorder or itetioay ijurig themseves or attemptig suicide whie sae or isae. We do ot pay beefits for charges reatig to ega itoxicatio, icudig but ot imited to the operatio of a motor vehice, ad for the voutary use of ay poiso, chemica, prescriptio or o-prescriptio drug or cotroed substace uess it has bee prescribed by a doctor ad is used as prescribed. We imit the duratio of paymets for og term disabiities caused by meta or emotioa coditios, or acoho or drug abuse. We do ot pay beefits durig ay period i which a covered perso is cofied to a correctioa faciity, a empoyee is ot uder the care of a doctor, a empoyee is receivig treatmet outside of the US or Caada, ad the empoyee s oss of earigs is ot soey due to disabiity. This poicy provides disabiity icome isurace oy. It does ot provide "basic hospita", "basic medica", or "medica" isurace as defied by the New York State Isurace Departmet. If this pa is trasferred from aother isurace carrier, the time a isured is covered uder that pa wi cout toward satisfyig Guardia's pre-existig coditio imitatio period. State variatios may appy. Whe appicabe, this coverage wi itegrate with NJ TDB, NY DBL, CA SDI, RI TDI, Hawaii TDI ad Puerto Rico DBA. Cotract # GP-1-LTD et a. This hadout is for iustrative purposes oy ad is a approximatio. If ay discrepacies betwee this hadout ad your paycheck stub exist, your paycheck stub prevais. CHILDREN'S HOME OF WYOMING CONFERENCE ALL ELIGIBLE EMPLOYEES Beefit Summary The Guardia Life Isurace Compay of America, 7 Haover Square, New York, NY
5 23
Disability Benefit Summary
LIFTING GEAR HIRE CORPORATION Disabiity Beefit Summary Group Number: 00506764 About Your Beefits: Youprobabyhaveisuraceforyourcarorhome,butwhataboutthesourceoficomethatpaysforit?Youreyoyour paycheckforsomaythigs,butwhatifyouweresuddeyuabetoworkduetoaaccidetoriess?
More informationDisability Benefit Summary
Taahassee Commuity Coege Disabiity Beefit Summary Group Number: 00553084 About Your Beefits: You probaby have isurace for your car or home, but what about the source of icome that pays for it? You rey
More informationTUSCULUM COLLEGE. Group Number:
The Guardia Life Isurace Compay of America, New York, NY 10004 Group Number: 00498351 TUSCULUM COLLEGE Here you'll fid iformatio about your followig employee beefit(s). Be sure to review the eclosed -
More informationManhattan Beach Unified School District
The Guardia Life Isurace Compay of America, New York, NY 10004 Group Number: 00529692 Mahatta Beach Uified Schoo District Cass 1 Here you' fid iformatio about your foowig empoyee beefit(s). Be sure to
More informationSummary of Benefits. Management Consulting & Research, LLC
Summary of Beefits Maagemet Cosultig & Research, LLC All MCR Full Time Employees ad all other Full Time Employees Basic Term Life, Basic Accidetal Death & Dismembermet, Optioal Term Life, Optioal Depedet
More informationSummary of Benefits HAMPSHIRE COLLEGE
Summary of Beefits HAMPSHIRE COLLEGE All Employees other tha Dea of Faculty ad VP of Fiace ad Admiistratio Basic Term Life, Basic Accidetal Death & Dismembermet, Optioal Term Life, Optioal Depedet Term
More informationSummary of Benefits THE SCRIPPS RESEARCH INSTITUTE
Summary of Beefits THE SCRIPPS RESEARCH INSTITUTE All Active Full Time Beefit Eligible Employees Workig i Califoria Basic Term Life, Basic Accidetal Death & Dismembermet, Buy-Up Term Life, Buy-Up Depedet
More informationSummary of Benefits WESTERN MISSOURI MEDICAL CENTER
Summary of Beefits WESTERN MISSOURI MEDICAL CENTER All Full Time Maagemet ad Physicias other tha Executives Basic Term Life, Basic Accidetal Death & Dismembermet, Optioal Term Life, Optioal Depedet Term
More informationSummary of Benefits RRD
Summary of Beefits RRD All Eligible Employees Basic Term Life, Optioal Term Life, Optioal Depedet Term Life ad Optioal Accidetal Death & Dismembermet Issued by The Prudetial Isurace Compay of America Effective:
More informationAccumUL Plus. United of Omaha Life Insurance Company A Mutual of Omaha Company. product guide
Uited of Omaha Life Isurace Compay A Mutual of Omaha Compay AccumUL Plus product guide L7864_1211 Product base pla features, provisios ad riders may ot be approved i all states. For producer use oly. Not
More informationguaranteed universal life express (gule)
guarateed uiversal life express (gule) Guaratee tomorrow. Focus o today. Uited of Omaha Life Isurace Compay A Mutual of Omaha Compay product guide L7464_0314 For Producer use oly. Not for use with the
More informationLife & Disability Insurance. For COSE Employer Groups with 10+ Employees
Life & Disability Isurace For COSE Employer Groups with 10+ Employees Life ad Disability Isurace Offerig a great beefit like life ad disability isurace is a excellet way to help attract ad retai taleted
More informationguaranteed universal life
guarateed uiversal life Uited of Omaha Life Isurace Compay A Mutual of Omaha Compay product guide L8416_0314 For Producer use oly. Not for use with the geeral public. 1 Guaratee your cliets future. Guarateed
More informationMARYLAND ASSOCIATION OF BOARDS OF EDUCATION. Basic Term Life. Basic Accidental Death & Dismemberment
Summary of Beefits MARYLAND ASSOCIATION OF BOARDS OF EDUCATION All Somerset Couty Employees Basic Term Life, Basic Accidetal Death & Dismembermet, Optioal Term Life ad Depedet Term Life Issued by The Prudetial
More informationPension Annuity. Policy Conditions Document reference: PPAS1(6) This is an important document. Please keep it in a safe place.
Pesio Auity Policy Coditios Documet referece: PPAS1(6) This is a importat documet. Please keep it i a safe place. Pesio Auity Policy Coditios Welcome to LV=, ad thak you for choosig our Pesio Auity. These
More informationProduct Overview. You choose with. ING Indexed Universal Life - Global Choice. Something for Everyone. NEW
Somethig for Everyoe. Product Overview Updated September 0 Goba Ch ice You choose with ING Idexed Uiversa Life - Goba Choice Life Isurace issued by Security Life of Dever Isurace Compay LIFE INSURANCE
More informationCurrent Year Income Assessment Form 2017/18
Curret Year Icome Assessmet Form 2017/18 Persoal details Your Customer Referece Number Your Customer Referece Number Name Name Date of birth Address / / Date of birth / / Address Postcode Postcode If you
More informationOsborne Books Update. Financial Statements of Limited Companies Tutorial
Osbore Books Update Fiacial Statemets of Limited Compaies Tutorial Website update otes September 2018 2 f i a c i a l s t a t e m e t s o f l i m i t e d c o m p a i e s I N T R O D U C T I O N The followig
More informationLife & Disability Insurance. For COSE Employer Groups with 1 9 Employees
Life & Disability Isurace For COSE Employer Groups with 1 9 Employees Life ad Disability Isurace Offerig a great beefit like life ad disability isurace is a excellet way to help attract ad retai taleted
More informationAccelerated Access Solution. Chronic Illness Protection Rider. Access your death benefits while living.
Chroic Illess Protectio Rider Access your death beefits while livig. Accelerated Access Solutio Optioal Livig Beefit Rider for Secure Lifetime GUL 3; Value+ Protector ; Max Accumulator+ Policies issued
More informationING IUL GDB & ING IUL GDB NY ING
Somethig for Everyoe. Product Overview Updated September 0! ING IUL GDB & ING IUL GDB NY ING Idexed Uiversa Life Guarateed Death Beefit issued by Security Life of Dever Isurace Compay ING Idexed Uiversa
More informationFEHB. Health Benefits Coverage for Noncareer Employees
FEHB Health Beefits Coverage for Nocareer Employees Notice 426 September 2005 The Federal Employees Health Beefits (FEHB) Program permits certai ocareer (temporary) employees to obtai health isurace, if
More informationAccelerated Access Solution. Chronic Illness Protection Rider. Access your death benefits while living.
Chroic Illess Protectio Rider Access your death beefits while livig. Accelerated Access Solutio Optioal Livig Beefit Rider for Secure Lifetime GUL 3; Value+ Protector ; Max Accumulator+ Policies issued
More informationliving well in retirement Adjusting Your Annuity Income Your Payment Flexibilities
livig well i retiremet Adjustig Your Auity Icome Your Paymet Flexibilities what s iside 2 TIAA Traditioal auity Icome 4 TIAA ad CREF Variable Auity Icome 7 Choices for Adjustig Your Auity Icome 7 Auity
More informationHighest Daily Lifetime Seven SM Spousal Highest Daily Lifetime Seven SM
Optioal Icome beefits Highest Daily Lifetime Seve SM Spousal Highest Daily Lifetime Seve SM Daily Opportuities to Capture Greater Lifetime Icome HD Lifetime Seve ad Spousal HD Lifetime Seve Offer:» Miimum
More informationGuide for. Plan Sponsors. Roth 401(k) get retirement right
Uited of Omaha Life Isurace Compay Compaio Life Isurace Compay mutual of omaha retiremet services Roth 401(k) Guide for Pla Sposors MUGC8764_0210 get retiremet right roth 401(k) expads your optios Drive
More informationBenefits as Part of Compensation. Professional Development Series September 11, 2017 Elizabeth G. Levitzky, MBA, PhD
Beefits as Part of Compesatio Professioal Developmet Series September 11, 2017 Elizabeth G. Levitzky, MBA, PhD Employer Paid Beefits Cost the employer approximately 35-40% of aual compesatio Shared Costs
More informationDefined Benefit Section. Member Booklet. Your Pension. Your Future.
Defied Beefit Sectio Member Booklet Your Pesio. Your Future. 2 Cotets Itroductio 2 The DB Sectio of the Scheme at a glace 3 Your beefits at Normal Retiremet Date 4 Death before retiremet 6 Death after
More informationInstitute of Actuaries of India Subject CT5 General Insurance, Life and Health Contingencies
Istitute of Actuaries of Idia Subject CT5 Geeral Isurace, Life ad Health Cotigecies For 2017 Examiatios Aim The aim of the Cotigecies subject is to provide a groudig i the mathematical techiques which
More informationFiling a first time Long-Term Care (LTC) Insurance Claim with Bankers Life and Casualty Company
Filig a first time Log-Term Care (LTC) Isurace Claim with Bakers Life ad Casualty Compay The purpose of this istructioal documet is to assist you through the claim filig process. There is importat iformatio
More informationREINSURANCE ALLOCATING RISK
6REINSURANCE Reisurace is a risk maagemet tool used by isurers to spread risk ad maage capital. The isurer trasfers some or all of a isurace risk to aother isurer. The isurer trasferrig the risk is called
More information2012/13. Assessment of financial circumstances. For parents and partners of students
PFF2 Assessmet of fiacial circumstaces 2012/13 For parets ad parters of studets You ca also provide your fiacial details olie at www.direct.gov.uk/studetfiace SFEglad sf_eglad PFF2 1 Who should complete
More informationCARERS UNEMPLOYMENT CLAIM FORM C
CARERS UNEMPLOYMENT CLAIM FORM C Piacle House, A1 Baret ay, Borehamwood, Hertfordshire D6 2XX Compay Number 1007798 IMPORTANT POLICY TERMS MAY VARY, BUT YOU SHOULD RETURN THE CLAIM FORM AS SOON AS YOU
More informationLooking Ahead. Get Ready for NAF Open Enrollment November 4 29, News and Updates to Help You Prepare for Open Enrollment FSC
Att: FA-T (Beefits) PO Box 650428 Dallas, Texas 75265-0428 Get Ready for NAF Ope Erollmet November 4 29, 2013 FSC CCG DoDAAFES-0007-A (10/13) 2013 Aeta Ic. Lookig Ahead News ad Updates to Help You Prepare
More informationLife Products Bulletin
Life Products Bulleti Tredsetter Super Series Tredsetter Super Series: 2009 Chages Effective September 1, 2009, Trasamerica Life Isurace Compay is releasig ew rates for Tredsetter Super Series level premium
More informationAccelerated Access Solution. Chronic Illness Living Benefit (California Only) Access your death benefits while living.
Chroic Illess Livig Beefit (Califoria Oly) Access your death beefits while livig. Accelerated Access Solutio Chroic Illess Accelerated Death Beefit Rider (optioal) for Secure Lifetime GUL 3; Value+ Protector
More informationSTRAND: FINANCE. Unit 3 Loans and Mortgages TEXT. Contents. Section. 3.1 Annual Percentage Rate (APR) 3.2 APR for Repayment of Loans
CMM Subject Support Strad: FINANCE Uit 3 Loas ad Mortgages: Text m e p STRAND: FINANCE Uit 3 Loas ad Mortgages TEXT Cotets Sectio 3.1 Aual Percetage Rate (APR) 3.2 APR for Repaymet of Loas 3.3 Credit Purchases
More informationHelpful Hints From the Claims Department to guide you through filing your Wellness Benefit claim
CONSECO COMPANIES Helpful Hits From the Claims Departmet to guide you through filig your Welless Beefit claim We value you as a customer ad wat to make the process of filig a claim as fast ad as simple
More informationINCOME PROTECTION POLICY CONDITIONS GUARANTEED PREMIUMS
INCOME PROTECTION POLICY CONDITIONS GUARANTEED PREMIUMS Documet referece: MIMIIP12G This is a imptat documet Please keep it i a safe place. Icome Protectio Guarateed Premiums Policy Coditios Welcome to
More informationCourse FM Practice Exam 1 Solutions
Course FM Practice Exam 1 Solutios Solutio 1 D Sikig fud loa The aual service paymet to the leder is the aual effective iterest rate times the loa balace: SP X 0.075 To determie the aual sikig fud paymet,
More informationCollections & Recoveries policy
Collectios & Recoveries policy The purpose of this policy is to set out the actio Ledy takes to ecourage borrowers to repay their loas withi term. This policy also serves to set out the actio Ledy takes
More informationSpeak to the experts before you start any project involving basement construction, engineered foundations, underpinning or structural repairs
ASUCplus represets Specialist Domestic Cotractors i: UNDERPINNING Ad Subsidece Repair T E C H N I Q U E S ENGINEERED FOUNDATION S O L U T I O N S CONSTRUCTION OF RETRO-FIT BASEMENTS Speak to the experts
More informationT4032-ON, Payroll Deductions Tables CPP, EI, and income tax deductions Ontario Effective January 1, 2016
T4032-ON, Payroll Deductios Tables CPP, EI, ad icome tax deductios Otario Effective Jauary 1, 2016 T4032-ON What s ew as of Jauary 1, 2016 The major chages made to this guide sice the last editio are outlied.
More informationPlus Portfolio. Mutual Care. AGENT and UNDERWRITING GUIDE Mutual Care 3 & 5 Mutual Care My Way Mutual Care at Work. Long-Term Care Insurance
Mutual Care Mutual of Omaha Isurace Compay Plus Portfolio Log-Term Care Isurace AGENT ad UNERWRITING GUIE Mutual Care 3 & 5 Mutual Care My Way Mutual Care at Work M27833 For producer use oly. Not for use
More informationT4032-MB, Payroll Deductions Tables CPP, EI, and income tax deductions Manitoba Effective January 1, 2016
T4032-MB, Payroll Deductios Tables CPP, EI, ad icome tax deductios Maitoba Effective Jauary 1, 2016 T4032-MB What s ew as of Jauary 1, 2016 The major chages made to this guide sice the last editio are
More informationClaims. At a glance. Claims Contact Information. Coordination of Benefits Health Reserve Account Claims Making Oxford MyPlan sm Work for You
At a glace Medical Claim Submissio Basics Usual, Customary ad Reasoable Allowaces Deductibles, Coisurace ad Out-of-Pocket Maximums Coordiatio of Beefits Health Reserve Accout Claims Makig Oxford MyPla
More informationReceipt Date. You must answer all questions in ink and the application must be signed and notarized, or it will be rejected.
Office of the New York State Comptroller New York State ad Local Retiremet System Mail completed form to: NEW YORK STATE AND LOCAL RETIREMENT SYSTEM 110 STATE STREET - MAIL DROP 5-9 ALBANY NY 12244-0001
More informationCourse FM/2 Practice Exam 1 Solutions
Course FM/2 Practice Exam 1 Solutios Solutio 1 D Sikig fud loa The aual service paymet to the leder is the aual effective iterest rate times the loa balace: SP X 0.075 To determie the aual sikig fud paymet,
More informationT4032-BC, Payroll Deductions Tables CPP, EI, and income tax deductions British Columbia Effective January 1, 2016
T4032-BC, Payroll Deductios Tables CPP, EI, ad icome tax deductios British Columbia Effective Jauary 1, 2016 T4032-BC What s ew as of Jauary 1, 2016 The major chages made to this guide, sice the last editio,
More informationSubject CT5 Contingencies Core Technical. Syllabus. for the 2011 Examinations. The Faculty of Actuaries and Institute of Actuaries.
Subject CT5 Cotigecies Core Techical Syllabus for the 2011 Examiatios 1 Jue 2010 The Faculty of Actuaries ad Istitute of Actuaries Aim The aim of the Cotigecies subject is to provide a groudig i the mathematical
More informationTENS Unit Prior Authorization Process
TENS Uit Prior Authorizatio Process Objectives Uderstad the HUSKY Health program s prior authorizatio process for TENS uits (Trascutaeous Electrical Nerve Stimulatio) Access the DSS Fee Schedule Reduce
More informationAbout Your Health Care Benefits. Amended and Restated as of January 1, 2005
About Your Health Care Beefits Ameded ad Restated as of Jauary 1, 2005 Itroductio...1 Eligibility...2 For employees...2 If you both work for Citigroup...2 For depedets...3 Qualified Medical Child Support
More informationIncome Protection. Guaranteed Premiums. This is an important document Please keep it in a safe place.
Icome Protectio Policy Coditios Guarateed Premiums Documet referece: MIMIIP11G This is a imptat documet Please keep it i a safe place. Icome Protectio Guarateed Premiums Policy Coditios Welcome to LV=,
More informationUS Dollar Bank Account
FACT SHEET Page 1 of 3 Please keep for future referece US Dollar Bak Accout Call us o 0800 092 3300 Fact Sheet (icludig Fiacial Services Compesatio Scheme (FSCS) Iformatio Sheet & Exclusios List) The US
More informationPage 1 of 11. Personal Loan Payment Protection Insurance Policy Document
Page 1 of 11 Persoal Loa Paymet Protectio Isurace Policy Documet Isurace Page 2 of 11 Cotets Itroductio 03 Chagig your mid your cacellatio rights 03 Eligibility, importat otes ad material facts 03 Chages
More informationCAPITAL PROJECT SCREENING AND SELECTION
CAPITAL PROJECT SCREEIG AD SELECTIO Before studyig the three measures of ivestmet attractiveess, we will review a simple method that is commoly used to scree capital ivestmets. Oe of the primary cocers
More informationBudget Income Protection. Guaranteed Premiums. This is an important document. Please keep it in a safe place.
Budget Icome Protectio Policy Coditios Guarateed Premiums Documet referece: MIMIBIP11G This is a imptat documet. Please keep it i a safe place. Budget Icome Protectio Guarateed Premiums Policy Coditios
More informationGILMAN SCHOOL INC ALL ELIGIBLE EMPLOYEES. Group Number:
The Guardian Life Insurance Company of America, New York, NY 10004 Group Number: 00509743 GILMAN SCHOOL INC ALL ELIGIBLE EMPLOYEES Here you' find information about your foowing empoyee benefit(s). Be sure
More informationABCDEFGH Helpful Hints from specified disease claims department to guide you through filing your cancer, heart, stroke or accident claim with Conseco
CONSECO COMPANIES ABCDEFGH Helpful Hits from specified disease claims departmet to guide you through filig your cacer, heart, stroke or accidet claim with Coseco We value you as a policyholder ad wat to
More informationSTAFF EXPLANATORY BOOKLET
STAFF EXPLANATORY BOOKLET July 2015 Cotets Page Welcome to the Staff Sectio of the AA Pesio Scheme 3 What is it? 4 Ca I joi? What do I pay? 4 What do I get? 5 What about icreases? 8 Is my family protected?
More informationYour guide to Protection Trusts
Your guide to Protectio Trusts Protectio Makig the most of your Aviva protectio policy Nobodylikestothikaboutwhatwill happewhetheyhavegoe.you realready thikigaheadbyhavigaprotectiopolicy iplace,whichcouldhelptheoesyoulove
More information- - Address City State Zip
The Guardian Life Insurance Company of America And its Affiiates and Subsidiaries Enroment/Change Form Page 1 of 6 Guardian Life, P.O. Box 14319, Lexington, KY 40512 Pease print ceary and mark carefuy.
More informationPersonal Injury Protection Plan. Your Guide
Persoal Ijury Protectio Pla Maitoba law defies this isurace policy. Ulike other isurace policies you may have, which are sold by private compaies, Maitoba s Persoal Ijury Protectio Pla is Maitoba law.
More informationA guide for members RPS 65
A guide for members RPS 65 Disclaimer The iformatio provided i this guide is iteded for geeral iformatio ad illustrative purposes. Your beefits will be worked out i accordace with ad subject to the goverig
More informationfor a secure Retirement Foundation Gold (ICC11 IDX3)* *Form number and availability may vary by state.
for a secure Retiremet Foudatio Gold (ICC11 IDX3)* *Form umber ad availability may vary by state. Where Will Your Retiremet Dollars Take You? RETIREMENT PROTECTION ASSURING YOUR LIFESTYLE As Americas,
More informationFirst determine the payments under the payment system
Corporate Fiace February 5, 2008 Problem Set # -- ANSWERS Klick. You wi a judgmet agaist a defedat worth $20,000,000. Uder state law, the defedat has the right to pay such a judgmet out over a 20 year
More information(Zip Code) OR. (State)
Uiform Applicatio for Ivestmet Adviser Registratio Part II - Page 1 Name of Ivestmet Adviser: Stephe Craig Schulmerich Address: (Number ad Street) 10260 SW Greeburg Rd. Ste 00 (State) (City) Portlad (Zip
More informationST 305: Exam 2 Fall 2014
ST 305: Exam Fall 014 By hadig i this completed exam, I state that I have either give or received assistace from aother perso durig the exam period. I have used o resources other tha the exam itself ad
More informationConfidence Intervals. CI for a population mean (σ is known and n > 30 or the variable is normally distributed in the.
Cofidece Itervals A cofidece iterval is a iterval whose purpose is to estimate a parameter (a umber that could, i theory, be calculated from the populatio, if measuremets were available for the whole populatio).
More informationIf your home is bigger than you need
If your home is bigger tha you eed Avoidig ad copig with the bedroom tax (uder-occupacy charge) www.soha.co.uk THE BEDROOM TAX If you re of workig age, receive Housig Beefit ad have oe or more spare bedrooms,
More informationLimited Benefit Group Cancer Indemnity Insurance GC-3 (includes Continuation Rider)
Limited Beefit Group Cacer Idemity Isurace GC-3 (icludes Cotiuatio Rider) APSB-21861(FL)-1014 APSB-21861(FL)-1014 (SM) Citrus Couty School Board Citrus Couty School Board APS-1883 Geeric-EE Summary of
More informationArt & Private Client insurance policy SUMMARY OF COVER
Art & Private Cliet isurace policy SUMMARY OF COVER 2 SUMMARY OF COVER DIOCESAN SCHOOLS LEGAL EXPENSES INSURANCE ART AND PRIVATE CLIENT POLICY SUMMARY SUMMARY OF COVER 3 Policy ref: ME773 1 07/16 What
More informationSecurely managed insurance solutions. Protected Cell, Incorporated Cell and Segregated Account facilities
Securely maaged isurace solutios Protected Cell, Icorporated Cell ad Segregated Accout facilities About us White Rock is a uique ad leadig group of isurace ad reisurace vehicles with operatios i a umber
More informationFLEXIBLE. Increase Your Spending Power. Spending Accounts. Learn More Online
FLEXIBLE Spedig Accouts Icrease Your Spedig Power Flexible Spedig Accouts (FSAs) allow you to pay for out-of-pocket health care ad depedet day care expeses with tax-free moey. You deposit a set amout out
More informationMotor legal expenses. Keep me safe
Motor legal expeses Keep me safe Motor legal expeses This legal expeses isurace is part of your LV= motor isurace policy ad your isurace schedule will cofirm if this cover is icluded. You must read your
More informationThe self-assessment will test the following six major areas, relevant to studies in the Real Estate Division's credit-based courses:
Math Self-Assessmet This self-assessmet tool has bee created to assist studets review their ow math kowledge ad idetify areas where they may require more assistace. We hope that studets will complete this
More informationTHE UNIVERSITY OF CHICAGO 2014 BENEFITS GUIDE
THE UNIVERSITY OF CHICAGO 2014 BENEFITS GUIDE Table of Cotets 1 Letter from the Executive Director 2 Uderstadig Your Beefits 4 New Hire Erollmet Process 6 Medical Plas 10 Detal Plas 12 Visio Pla 14 Group
More informationDisability Income Choice Portfolio
Mutual of Omaha Isurace Compay Disability Icome Choice Portfolio SM Product ad Uderwritig Guide M25981 Table of Cotets Product Guidelies.....................................................................................
More informationCOSE Health and Wellness Trust 1240 Huron Road, Suite 300 Cleveland, OH
COSE Health ad Welless Trust 1240 Huro Road, Suite 300 Clevelad, OH 44115-1717 2016 Medical Mutual of Ohio Z8116-GHP R10/16 COSE Health ad Welless Trust A self-fuded beefit optio for small group employers
More informationSIMPLE INTEREST, COMPOUND INTEREST INCLUDING ANNUITY
Chapter SIMPLE INTEREST, COMPOUND INTEREST INCLUDING ANNUITY 006 November. 8,000 becomes 0,000 i two years at simple iterest. The amout that will become 6,875 i years at the same rate of iterest is:,850
More information0.07. i PV Qa Q Q i n. Chapter 3, Section 2
Chapter 3, Sectio 2 1. (S13HW) Calculate the preset value for a auity that pays 500 at the ed of each year for 20 years. You are give that the aual iterest rate is 7%. 20 1 v 1 1.07 PV Qa Q 500 5297.01
More informationEvidence of Coverage:
Jauary 1 December 31, 2012 Evidece of Coverage: Your Medicare Prescriptio Drug Coverage as a Member of CIGNA Medicare Rx Pla Two (PDP) Medicare Prescriptio Drug Pla This booklet gives you the details about
More informationYOUR HEALTH IS OUR. cause. Out-of-Area PPO Plans. Kaiser Permanente Insurance Company
YOUR HEALTH IS OUR cause. Out-of-Area PPO Plas Kaiser Permaete Isurace Compay At Kaiser Permaete, we uderstad the eed to care for the whole you mid, body, ad spirit. We re here to help you take a active
More informationBASIC STATISTICS ECOE 1323
BASIC STATISTICS ECOE 33 SPRING 007 FINAL EXAM NAME: ID NUMBER: INSTRUCTIONS:. Write your ame ad studet ID.. You have hours 3. This eam must be your ow work etirely. You caot talk to or share iformatio
More informationKEY INFORMATION DOCUMENT CFD s Generic
KEY INFORMATION DOCUMENT CFD s Geeric KEY INFORMATION DOCUMENT - CFDs Geeric Purpose This documet provides you with key iformatio about this ivestmet product. It is ot marketig material ad it does ot costitute
More informationHelping you reduce your family s tax burden
The RBC Do m i i o Se c u r i t i e s Family Trust Helpig you reduce your family s tax burde Professioal Wealth Maagemet Sice 1901 1 RBC Domiio Securities Charitable Gift Program Who should cosider a RBC
More informationCHAPTER 2 PRICING OF BONDS
CHAPTER 2 PRICING OF BONDS CHAPTER SUARY This chapter will focus o the time value of moey ad how to calculate the price of a bod. Whe pricig a bod it is ecessary to estimate the expected cash flows ad
More informationToday: Finish Chapter 9 (Sections 9.6 to 9.8 and 9.9 Lesson 3)
Today: Fiish Chapter 9 (Sectios 9.6 to 9.8 ad 9.9 Lesso 3) ANNOUNCEMENTS: Quiz #7 begis after class today, eds Moday at 3pm. Quiz #8 will begi ext Friday ad ed at 10am Moday (day of fial). There will be
More informationMATH : EXAM 2 REVIEW. A = P 1 + AP R ) ny
MATH 1030-008: EXAM 2 REVIEW Origially, I was havig you all memorize the basic compoud iterest formula. I ow wat you to memorize the geeral compoud iterest formula. This formula, whe = 1, is the same as
More informationAgent product guide. Advantage Builder II. Indexed Universal Life /09
Aget product guide Advatage Builder II Idexed Uiversal Life 16480 1/09 Advatage Builder II Idexed Uiversal Life is a flexible premium uiversal life isurace policy with a idex-liked iterest creditig feature.
More informationSecurely managed insurance solutions. White Rock Netherlands Protected Cell Company
Securely maaged isurace solutios White Rock Netherlads Protected Cell Compay About us White Rock is a uique ad leadig group of isurace ad reisurace vehicles with operatios i a umber of key domiciles icludig
More informationThe University of Chicago 457(b) Deferred Compensation Plan Enrollment Guide 2014
The Uiversity of Chicago 457(b) Deferred Compesatio Pla Erollmet Guide 2014 Iside 1 Overview 2 How to Eroll 4 Your Cotributios 5 Ivestmets 6 Receivig Your Beefits 8 Additioal Iformatio Overview The Uiversity
More informationChapter 4 - Consumer. Household Demand and Supply. Solving the max-utility problem. Working out consumer responses. The response function
Almost essetial Cosumer: Optimisatio Chapter 4 - Cosumer Osa 2: Household ad supply Cosumer: Welfare Useful, but optioal Firm: Optimisatio Household Demad ad Supply MICROECONOMICS Priciples ad Aalysis
More informationThe University of Chicago 457(b) Deferred Compensation Plan Enrollment Guide 2015
The Uiversity of Chicago 457(b) Deferred Compesatio Pla Erollmet Guide 2015 2 Overview 3 How to Eroll 4 Your Cotributios 5 Ivestmets 6 Receivig Your Beefits 7 Additioal Iformatio Overview The Uiversity
More informationAnnual Notice of Changes for 2018
WeCare Advance (HMO-POS) offered by Harmony Heath Pan, Inc. Annua Notice of Changes for 2018 You are currenty enroed as a member of WeCare Advance (HMO). Next year, there wi be some changes to the pan
More informationGC-3 Group Cancer Indemnity Insurance
Limited Beefit Group Cacer Idemity Isurace GC-3 GC-3 Group Cacer Idemity Isurace Group Cacer Mothly Premiums (Composite Rates) THIS IS NOT A POLICY OF WORKERS COMPENSATION INSURANCE. THE EMPLOYER DOES
More informationCity of Johannesburg Pension Fund
future your egg for ITY O OHANNESBURG E N S I O N U N D S E NN STRENGTH i l A est ia depedece th c grow peace of mid a f i develop stability BURG ENSION UND OH RETIREMENT O I TY security ity of ohaesburg
More informationOptimal Risk Classification and Underwriting Risk for Substandard Annuities
1 Optimal Risk Classificatio ad Uderwritig Risk for Substadard Auities Nadie Gatzert, Uiversity of Erlage-Nürberg Gudru Hoerma, Muich Hato Schmeiser, Istitute of Isurace Ecoomics, Uiversity of St. Galle
More informationNPTEL DEPARTMENT OF INDUSTRIAL AND MANAGEMENT ENGINEERING IIT KANPUR QUANTITATIVE FINANCE END-TERM EXAMINATION (2015 JULY-AUG ONLINE COURSE)
NPTEL DEPARTMENT OF INDUSTRIAL AND MANAGEMENT ENGINEERING IIT KANPUR QUANTITATIVE FINANCE END-TERM EXAMINATION (2015 JULY-AUG ONLINE COURSE) READ THE INSTRUCTIONS VERY CAREFULLY 1) Time duratio is 2 hours
More informationPlus Portfolio. Mutual Care. AGENT and UNDERWRITING GUIDE Mutual Care 3 & 5 Mutual Care My Way Mutual Care at Work. Long-Term Care Insurance
Mutual Care Mutual of Omaha Isurace Compay Plus Portfolio Log-Term Care Isurace AGENT ad UNERWRITING GUIE Mutual Care 3 & 5 Mutual Care My Way Mutual Care at Work M27833 For producer use oly. Not for use
More information