Short-Term Disability
|
|
- Alexandra Barber
- 5 years ago
- Views:
Transcription
1 Effective: American Fidelity Assurance Company s Short-Term Disability Income Insurance Plan Designed Specifically For: Certificated, Administrative and Clerical Employees - Classic
2 Plan Highlights Benefits are paid directly to you, not to a doctor or your employer. Benefits are payable year-round. Convenient payroll deduction. Benefit payments may be directly deposited into your bank account. Benefits are paid due to a covered Injury or Sickness. Several benefit plan options are available. Optional Riders available: Accident Only Spousal Rider and Hospital Indemnity Rider. IMPORTANT Benefits include: Donor Benefit Worksite Accommodation Evaluation Physician Expense Benefit Accidental Death Benefit Waiver Of Premium (Plans V-VII only) Choose The Plan That s Right For You Plan I - On the 1st day of Disability due to a covered Injury and on the 8th day of Disability due to a covered Sickness. Plan II - On the 15th day of Disability due to a covered Injury or Sickness. Plan III - On the 1st day of Disability due to a covered Injury and on the 8th day of Disability due to a covered Sickness. Plan IV - On the 15th day of Disability due to a covered Injury or Sickness. Plan V - On the 1st day of Disability due to a covered Injury and on the 8th day of Disability due to a covered Sickness. Plan VI - On the 1st day of Disability due to a covered Injury and on the 8th day of Disability due to a covered Sickness. Plan VII - On the 15th day of Disability due to a covered Injury or Sickness. benefits are payable Plan I - Up to 60 days for a covered Injury or Sickness. Plan II - Up to 60 days for a covered Injury or Sickness. Plan III - Plan IV - Up to 90 days for a covered Injury or Sickness. Up to 90 days for a covered Injury or Sickness. Plan V - Up to 120 days for a covered Injury or Sickness. Plan VI - Plan VII - Up to 180 days for a covered Injury or Sickness. Up to 1 year for a covered Injury or Sickness.
3 Plan Features ACCIDENTAL DEATH BENEFIT A lump sum of $10, will be paid if you die as the direct result of an Injury and death occurs within 365 days after the Injury. The benefit will be increased 1% for each full month that your Certificate was continuously in force just prior to death. The total increase shall not be more than 60% of the benefit amount. Physician expense benefit Injury - $ per Injury If you need personal treatment by a Physician due to an Injury, we will pay the amount shown above provided no other claim has been paid under the Policy. You are not required to miss one full day of work in order to receive the Injury benefit. This benefit will be limited to 8 payments per calendar year. Donor benefit If you are Disabled as a result of being an organ or tissue donor, we will pay your benefit as any other Sickness under the terms of the plan. worksite accommodation If worksite modifications may assist your return to work, we will evaluate your claim for appropriate action. Direct deposit disability benefits In the event you choose the direct deposit option on an approved claim, we will deposit your benefits directly into your bank account at no additional cost. This can accelerate access to your benefits by several days. We also have a toll-free fax that allows you instant transmission of your claim forms to our Benefits Department. Waiver of premium (Plans v-vii only) No premium payments are required while you are receiving payments under the plan after Disability Payments have been received under the plan for 90 consecutive days. We will require proof on an annual basis that you remain Disabled during this time. Successive Disabilities Disabilities which result from the same or related causes will be considered one period of Disability unless the Disabilities are separated by your return to Active Employment or any other gainful occupation for at least 6 consecutive months. Definitions ACTIVE EMPLOYMENT: Means you are doing in the usual manner all of the regular duties of your employment on a full-time basis on a scheduled work day and these duties are being done at one of the places of business where you normally do such duties or at some location to which your employment sends you. You will be said to be on Active Employment on a day which is not a scheduled work day only if you are not Disabled and would be able to perform in the usual manner all the regular duties of your employment if it were a scheduled work day. Disability: Disability or Disabled means you are unable to perform the material and substantial duties of your Regular Occupation. Disability Payment: Means your Disability Benefit minus Deductible Sources of Income. Hospital: The term Hospital shall not include an institution used by you as: a place for rehabilitation; a place for rest or for the aged; a nursing or convalescent home; a long-term nursing unit or geriatrics ward; or as an extended care facility for the care of convalescent, rehabilitative, or ambulatory patients. MONTHLY COMPENSATION: Means for contracted employees, one-twelfth (1/12) of your contract salary through your Employer; or for non-contracted employees, one-twelfth (1/12) of your annual salary through your Employer, in effect on the date Disability began. It excludes any additional compensation including but not limited to, overtime pay, weekend or summer work compensation, bus or other allowances, bonuses or district-funded fringe benefits. If you become Disabled while on an approved leave of absence, we will use your gross Monthly Compensation from your Employer in effect just prior to the date your absence began. Pre-existing Condition: The term Pre-Existing Condition means a disease, Injury, Sickness, physical condition or mental illness for which you: had treatment; incurred expense; took medication; received care or services including diagnostic testing or related measures; or received a diagnosis or advice from a Physician, during the 12-month period immediately before your Effective Date of coverage. The term Pre-Existing Condition will also include conditions which are related to such disease, Injury, Sickness, physical condition, or mental illness.
4 Important Policy Provisions Eligibility All active full-time certificated, administrative, and clerical employees of the school district working 17.5 hours or more per week. Proof of good health may be required by us in order to be eligible for disability coverage. We will rely on answers given on your application to determine if coverage can be issued. Regardless of your health at the time of application, if coverage is approved and issued, claims incurred while coverage is in force will be subject to all terms of the Policy including any Pre-Existing Condition limitation. When coverage begins Certificates will become effective on the requested effective date following the date we approve the application, providing you are on Active Employment and premium has been paid. IF YOU ARE DISABLED DUE TO A COVERED DISABILITY AND NOT WORKING plan i - vi only Your Disability Payment will be the lesser of: the Disability Benefit described in the Benefit Schedule; or 70% of your Monthly Compensation less any Deductible Sources of Income you receive or are entitled to receive. plan vii Your Disability Payment will be the Disability Benefit described in the Benefit Schedule less any Deductible Sources of Income you receive or are entitled to receive. Offsets with Other Sources of Income Deductible Sources of Income include: Other group disability income. Governmental or other retirement system, whether due to Disability, normal retirement or voluntary election of retirement benefits. United States Social Security Act or similar plan or act, including any amounts due your dependent(s) on account of your Disability. State Disability. Unemployment compensation. Sick leave or other salary or wage continuance plans provided by the Employer which extend beyond 30 calendar days from the Date of Disability. We reserve the right to estimate these Deductible Sources of Income that you may receive as defined in your Certificate. MINIMUM DISABILITY BENEFIT The minimum Monthly Disability Benefit is 10% of the Monthly Disability Benefit or $100.00, whichever is greater. INCREASE OF INCOME DUE TO COST OF LIVING ADJUSTMENTs The Disability Payment will not be reduced due to a cost of living increase if the increase from a Deductible Source of Income takes effect after the onset of Disability and while benefits are payable under the Policy Pre-existing condition limitation No Disability Benefit will be payable if Disability is caused by or resulting from a Pre-Existing Condition and begins before you have been continuously covered under the Policy for 12 months. This provision will not apply if you have: gone treatment-free; incurred no expense; taken no medication; and received no diagnosis or advice from a Physician for 12 consecutive months for such condition(s). This limitation will not apply to a Disability resulting from a Pre- Existing Condition that begins after you have been continuously covered under the Policy for 12 months. Any increase in benefits will be subject to this Pre-Existing Condition limitation. A new Pre-Existing Condition period must be satisfied with respect to any increase applied for and approved by us. EXCLUSIONS The Policy does not cover any loss, fatal or non-fatal, resulting from: Intentionally self-inflicted injury while sane or insane. An act of war, declared or undeclared. Injury sustained or Sickness contracted while in the service of the armed forces of any country. Committing a felony. Penal incarceration. We will not pay benefits for Disability or any other loss during any period for which you are incarcerated in a penal or correctional institution for a period of 30 consecutive days or longer. Injury or Sickness arising out of and in the course of any occupation for wage or profit or for which you are entitled to Workers Compensation*. *The term entitled to Workers Compensation shall also include Workers Compensation claim settlements that occur via compromise and release. Further, no benefits will be paid under this Policy for any period during which you are entitled to Workers Compensation benefits.
5 Leave of Absence Your coverage may be continued for 1 year during a Leave of Absence approved in writing by your Employer. Termination of insurance Your insurance coverage will end on the earliest of these dates: the date you do not meet the Eligibility requirements as defined in the Eligibility paragraph in this brochure; the date you retire; the date you cease to be on Active Employment, except as provided for under the Leave of Absence provision; the end of the last period for which premium has been paid; the date the Policy is discontinued; or the date your employment terminates. If: your coverage ends as a result of your termination of Active Employment; such termination is caused by an Injury or Sickness for which Disability Benefits would be payable; and Disability is established prior to the termination of Active Employment, then: Disability Benefits will be paid as if such termination had not occurred. Termination of the Policy will have no affect on Disability Payments which began before termination. We may end your coverage if you submit a fraudulent claim.
6 Accident Only Spousal Rider Consider The Facts On average, one out of every 11 Americans suffered a disabling injury in National Safety Council, Injury Facts, 2009 Edition, p. 2 Total costs of accidental injuries averaged $26,023 per injury in National Safety Council, Injury Facts, 2009 Edition, p. 4 Monthly Indemnity Amount Accident Only Spousal rider Annual Salary Monthly Premium $ $10, $4.00 $1, $10, $20, $8.01 $1, $20, $30, $12.00 $2, $30, and over. $16.00 We will pay a monthly indemnity amount to you for your spouse who is disabled as a result of a non-occupational accident. Benefits will begin on the 31st consecutive day after the Injury and will continue for 2 years. Coverage under this Rider will begin on the later of the requested Effective Date or the date we approve the written application, provided that your spouse has no other group disability income coverage in force; is less than age 70; is engaged in Full Time Employment on the date this Rider becomes effective; and is able to perform the material and Hospital Indemnity Rider Consider The Facts The average charge for a hospital stay is $26,100. HCUP Facts and Figures, 2007: Statistics on Hospital-based Care in the United States; Agency for Healthcare Research and Quality, % of total healthcare costs are paid out-of-pocket. Kaiser Family Foundation: Trends in Health Care Costs and Spending; March 2009 The average length of a hospital stay is 4.6 days. HCUP Facts and Figures, 2007: Statistics on Hospital-based Care in the United States; Agency for Healthcare Research and Quality, We will pay a daily benefit amount for an Inpatient Hospital confinement a maximum of 90 days. Inpatient means you are admitted as a resident patient to a Hospital for at least 18 continuous hours and are being charged for room and board facilities. substantial duties of his or her occupation on the date this Rider becomes effective, and; your coverage under the Policy is in force and you are on Active Employment; and the required premium has been paid. FULL TIME EMPLOYMENT (or Full Time) means your Spouse is employed an average of 25 or more hours per week for pay or benefits. Full Time Employment does not include any hours your Spouse is working while self-employed. Accident Only Spousal Rider Limitations This Rider does not provide benefits for your Spouse for any Disability, fatal or non-fatal, which results from any of the following: (a) Intentionally self-inflicted Injury while sane or insane; (b) An act of war, declared or undeclared; (c) Injury sustained or contracted while in the service of the armed forces of any country; (d) Committing a felony; (e) Penal incarceration. We will not pay benefits during any period for which your Spouse is incarcerated in a penal or correctional institution or for any Injury that occurs while your Spouse is incarcerated in a penal or correctional institution; (f) Injury arising out of and in the course of any occupation for wage or profit or for which your Spouse is entitled to Workers Compensation. The term entitled to Workers Compensation shall also include Workers Compensation claim settlements which occur via compromise and release. Further, no benefits will be paid under this Policy for any period during which your Spouse is entitled to Workers Compensation benefits; (g) Participation in any sport for wage or profit; (h) Participation in any contest of speed in a power driven vehicle for wage or profit. Spouse means the person you are lawfully married to who is less than age 70. No benefits are payable for your Spouse under this Rider for a Disability from an Injury that occurred outside of the United States or its territories. No benefit will be provided for any period in which your Spouse is not under the Regular and Appropriate Care of a Physician. No benefits will be paid for any Injury to your Spouse which is caused by or resulting from spousal abuse. Hospital Indemnity rider Daily Benefit Amount Monthly Premium $ $6.01 $ $9.00 Hospital Indemnity Rider Limitations The Hospital Confinement Benefit will not be payable for an Injury or Sickness incurred in the first 12 months of coverage if the Injury or Sickness is caused by or resulting from a Pre-Existing Condition as defined in the Policy. In addition to the Exclusions listed in the Policy, no benefits will be payable under this Rider for any Hospital Confinement that is caused by or resulting from Mental Illness or Drug or Alcohol Abuse. Benefits are reduced by 50% at age 70. Successive Hospital stays will be considered as one confinement if they are separated by less than 90 days of confinement to a Hospital.
7 Disability Insurance Needs Worksheet Use this worksheet to get a general estimate of how much Disability Income Protection insurance you need. However, you should consult with a financial advisor before buying any insurance products. Monthly Income Your Income Total Monthly Income Monthly Expenses Mortgage/Rent Car Payment Utilities Loan/Credit Card Payments Insurance (Home, Auto, Health, Life, etc.) Food/Clothing Child Care/Education Other Expenses Total Monthly Expenses Are You Covered? $ $
8 Benefit Schedule Several benefit options are available to you. You may participate in the Plans under any one of the benefit levels outlined below, provided the Monthly Disability Benefit level selected does not exceed 66⅔% of your Monthly Compensation. If your gross annual salary is at least: You are eligible for a maximum Monthly Disability Benefit of: Plan I 60 days Monthly Premiums Rates deductions per year. Plan II (15th) 60 days Plan III 90 days Plan IV (15th) 90 days Plan V 120 days Plan VI 180 days $3, $ $4.46 $3.87 $4.91 $4.27 $5.43 $6.13 $5, $ $6.58 $5.81 $7.30 $6.42 $8.06 $9.22 $7, $ $8.83 $7.74 $9.73 $8.54 $10.70 $12.30 $9, $ $10.96 $9.66 $12.05 $10.67 $13.33 $15.39 $11, $ $13.02 $11.62 $14.43 $12.80 $15.99 $18.49 $13, $ $15.26 $13.55 $16.81 $14.94 $18.55 $21.51 $15, $ $17.39 $15.49 $19.10 $17.07 $21.25 $24.65 $17, $ $19.64 $17.42 $21.57 $19.20 $23.95 $27.79 $23, $1, $26.28 $23.23 $28.81 $25.61 $31.89 $36.99 $29, $1, $32.86 $29.04 $36.05 $32.01 $39.86 $46.23 $32, $1, $35.85 $31.66 $39.32 $34.92 $43.48 $50.46 $34, $1, $37.76 $33.44 $41.49 $36.86 $45.82 $53.29 $36, $2, $39.84 $35.22 $43.70 $38.80 $48.33 $56.05 $37, $2, $41.73 $36.94 $45.86 $40.74 $50.64 $58.90 $39, $2, $43.82 $38.72 $48.05 $42.68 $53.17 $61.66 $41, $2, $44.79 $40.48 $49.23 $44.62 $54.55 $63.42 $43, $2, $46.75 $42.24 $51.36 $46.56 $56.94 $66.18 $44, $2, $48.68 $44.02 $53.51 $48.50 $59.30 $68.94 $46, $2, $50.48 $45.76 $55.65 $50.44 $61.42 $71.74 $48, $2, $52.42 $47.52 $57.79 $52.38 $63.79 $74.53 $50, $2, $54.36 $49.30 $59.93 $54.32 $66.17 $77.26 $52, $2, $56.30 $51.04 $62.07 $56.26 $68.50 $80.02 $53, $3, $58.23 $52.78 $64.20 $58.20 $70.88 $82.80 $55, $3, $60.19 $54.56 $66.35 $60.14 $73.24 $85.54 $57, $3, $62.13 $56.32 $68.49 $62.08 $75.61 $88.34 $59, $3, $64.07 $58.08 $70.62 $64.02 $77.96 $91.09 $61, $3, $66.01 $59.84 $72.77 $65.96 $80.32 $93.85 $62, $3, $67.95 $61.64 $74.91 $67.90 $82.69 $96.58 $64, $3, $69.89 $63.38 $77.05 $69.84 $85.05 $99.37 $66, $3, $71.83 $65.12 $79.21 $71.78 $87.41 $ $68, $3, $73.79 $66.88 $81.33 $73.71 $89.77 $ $70, $3, $75.72 $68.64 $83.47 $75.66 $92.14 $107.66
9 Benefit Schedule (con t) Several benefit options are available to you. You may participate in the Plans under any one of the benefit levels outlined below, provided the Monthly Disability Benefit level selected does not exceed 66⅔% of your Monthly Compensation. If your gross annual salary is at least: You are eligible for a maximum Monthly Disability Benefit of: Plan I 60 days Monthly Premiums Rates deductions per year. Plan II (15th) 60 days Plan III 90 days Plan IV (15th) 90 days Plan V 120 days Plan VI 180 days $71, $4, $77.65 $70.44 $85.60 $77.60 $94.49 $ $73, $4, $79.60 $72.16 $87.75 $79.54 $96.88 $ $75, $4, $81.54 $73.94 $89.89 $81.48 $99.22 $ $77, $4, $83.48 $75.68 $92.03 $83.42 $ $ $79, $4, $85.42 $77.44 $94.17 $85.36 $ $ $80, $4, $87.37 $79.14 $96.31 $87.30 $ $ $82, $4, $89.31 $80.96 $98.45 $89.24 $ $ $84, $4, $91.25 $82.72 $ $91.18 $ $ $86, $4, $93.19 $84.48 $ $93.12 $ $ $88, $4, $95.13 $86.24 $ $95.06 $ $ $89, $5, $97.06 $88.04 $ $97.00 $ $ $91, $5, $99.01 $89.76 $ $98.94 $ $ $93, $5, $ $91.52 $ $ $ $ $95, $5, $ $93.28 $ $ $ $ $97, $5, $ $95.08 $ $ $ $ $98, $5, $ $96.78 $ $ $ $ $100, $5, $ $98.56 $ $ $ $ $102, $5, $ $ $ $ $ $ $104, $5, $ $ $ $ $ $ $106, $5, $ $ $ $ $ $ $107, $6, $ $ $ $ $ $ $109, $6, $ $ $ $ $ $ $111, $6, $ $ $ $ $ $ $113, $6, $ $ $ $ $ $ $115, $6, $ $ $ $ $ $ $116, $6, $ $ $ $ $ $ $118, $6, $ $ $ $ $ $ $120, $6, $ $ $ $ $ $ $122, $6, $ $ $ $ $ $ $124, $6, $ $ $ $ $ $ $125, $7, $ $ $ $ $ $ $127, $7, $ $ $ $ $ $ $129, $7, $ $ $ $ $ $ $131, $7, $ $ $ $ $ $ $133, $7, $ $ $ $ $ $ $134, $7, $ $ $ $ $ $207.02
10 Benefit Schedule Several benefit options are available to you. You may participate in the Plan under any one of the benefit levels outlined below, provided the Monthly Disability Benefit level selected does not exceed 66⅔% of your Monthly Compensation. Monthly Salary Monthly Disability Benefit Monthly Premiums Plan VII (15th) 1 year $ $ $ $4.32 $ $ $ $6.48 $ $ $ $8.64 $ $ $ $10.80 $ $1, $ $12.96 $1, $1, $ $15.12 $1, $1, $ $17.28 $1, $1, $ $19.44 $1, $1, $1, $21.60 $1, $1, $1, $23.79 $1, $1, $1, $25.92 $1, $2, $1, $28.08 $2, $2, $1, $30.24 $2, $2, $1, $32.40 $2, $2, $1, $34.56 $2, $2, $1, $36.76 $2, $2, $1, $38.88 $2, $2, $1, $41.04 $3, $3, $2, $43.20 $3, $3, $2, $45.42 $3, $3, $2, $47.54 $3, $3, $2, $49.68 $3, $3, $2, $51.84 $3, $3, $2, $54.02 $3, $4, $2, $56.16 $4, $4, $2, $58.32 $4, $4, $2, $60.46 $4, $4, $2, $62.64 $4, $4, $3, $64.84 $4, $4, $3, $66.96 $4, $4, $3, $69.12 $4, $5, $3, $71.26 $5, $5, $3, $73.46 $5, $5, $3, $75.60 $5, $5, $3, $77.75 $5, $5, $3, $79.92 $5, $5, $3, $82.08
11 Benefit Schedule (con t) Several benefit options are available to you. You may participate in the Plan under any one of the benefit levels outlined below, provided the Monthly Disability Benefit level selected does not exceed 66⅔% of your Monthly Compensation. Monthly Salary Monthly Disability Benefit Monthly Premiums Plan VII (15th) 1 year $5, $5, $3, $84.24 $6, $6, $4, $86.40 $6, $6, $4, $88.56 $6, $6, $4, $90.72 $6, $6, $4, $92.88 $6, $6, $4, $95.02 $6, $6, $4, $97.18 $6, $7, $4, $99.36 $7, $7, $4, $ $7, $7, $4, $ $7, $7, $4, $ $7, $7, $5, $ $7, $7, $5, $ $7, $7, $5, $ $7, $8, $5, $ $8, $8, $5, $ $8, $8, $5, $ $8, $8, $5, $ $8, $8, $5, $ $8, $8, $5, $ $8, $8, $5, $ $9, $9, $6, $ $9, $9, $6, $ $9, $9, $6, $ $9, $9, $6, $ $9, $9, $6, $ $9, $9, $6, $ $9, $10, $6, $ $10, $10, $6, $ $10, $10, $6, $ $10, $10, $6, $ $10, $10, $7, $ $10, $10, $7, $ $10, $10, $7, $ $10, $11, $7, $ $11, $11, $7, $ $11, And Over $7, $162.00
12 Underwritten by: Plan Sponsored By: WEA Plan Consultants: P.O. Box 9100 Federal Way, Washington Spokane Branch Office 621 W. Mallon Suite 301 Spokane, WA (509) (877) Tukwila Branch Office 565 Andover Park West Suite 102 Tukwila, WA (206) (866) Fifth Avenue Suite 1200 Seattle, WA (206) FAX (206) SB G MCH# , , , , , , , R1, R1
Long-Term Disability. Income Insurance. Certificated, Administrative and Clerical Employees - Classic. Plan Designed Specifically For:
Effective 11-1-2014 American Fidelity Assurance Company s Long-Term Disability Income Insurance Plan Designed Specifically For: Certificated, Administrative and Clerical Employees - Classic Why Do You
More informationLong-Term Disability. Income Insurance. Washington School Employees - Classic. Plan Designed Specifically For: Effective: 11/01/2016
Effective: 11/01/2016 AMERICAN FIDELITY ASSURANCE COMPANY S Long-Term Disability Income Insurance Plan Designed Specifically For: Washington School Employees - Classic Why Do You Need Disability Income
More informationShort-Term Disability
AMERICAN FIDELITY ASSURANCE COMPANY S Short-Term Disability Income Insurance Plan Designed Specifically For: KENTUCKY DISABILITY - SPECIAL Plan Highlights Benefits are paid directly to you, not to a doctor
More informationShort-Term Disability
American Fidelity Assurance Company s Short-Term Disability Income Insurance Plan Designed Specifically For: Shelby County, TN Schools Plan Highlights s are paid directly to you, not to a doctor or your
More informationAMERICAN FIDELITY ASSURANCE COMPANY S. Long-Term Disability. Income Insurance. Plan Designed Specifically For: KENTUCKY DISABILITY - SPECIAL
AMERICAN FIDELITY ASSURANCE COMPANY S Long-Term Disability Income Insurance Plan Designed Specifically For: KENTUCKY DISABILITY - SPECIAL Why Do You Need Disability Income Protection? Disability causes
More informationAMERICAN FIDELITY ASSURANCE COMPANY S. Long-Term Disability. Income Insurance. Plan Designed Specifically For:
AMERICAN FIDELITY ASSURANCE COMPANY S Long-Term Disability Income Insurance Plan Designed Specifically For: Harlingen CISD Why Do You Need Disability Income Protection? No One Plans To Be Disabled. But
More informationBENEFIT REFERENCE GUIDE
BENEFIT REFERENCE GUIDE Plan Year September 1, 2013 August 31, 2014 JR Cornejo, Sr. Account Mgr. (903)-245-3889 Scott Elgin, Sr. Account Executive (903)-520-8497 TABLE OF CONTENTS TOPIC PAGE Customer Service
More informationA Plan Designed Specifically For: CSEA. Disability Income. Protection Plan. From American Fidelity Assurance Company
A Plan Designed Specifically For: CSEA Disability Income Protection Plan From American Fidelity Assurance Company Why Do You Need Disability Income Protection? Did You Know? Disability causes nearly 50%
More informationGROUP DISABILITY INCOME BENEFITS. Insurance Documents G (
GROUP DISABILITY INCOME BENEFITS Insurance Documents G ( CERTIFICATE OF INSURANCE American Fidelity Assurance Company (herein called the Company) hereby certifies that it has issued and delivered to the
More informationEZ2DoBizWith. A Supplemental Out-of-Pocket Medical Expense Policy. American Public Life Insurance Company. MEDlink. MEDlink B Rev.
American Public Life Insurance Company EZ2DoBizWith A Supplemental Out-of-Pocket Medical Expense Policy MEDlink MEDlink B Rev. (07/04) Here s How the Hospital MEDlink Plan Works for You: THREE MAJOR BENEFITS:
More informationCal Poly Pomona Foundation GLTD-ANPR Effective: January 1, 2013 All Eligible Employees
Cal Poly Pomona Foundation GLTD-ANPR Effective: January 1, 2013 All Eligible Employees This Summary of Coverage provides a brief description of some of the terms, conditions, exclusions and limitations
More informationEmployee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA. Oak Harbor Freight Lines, Inc.
Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA Oak Harbor Freight Lines, Inc. GROUP POLICY NUMBER - 11492 POLICY EFFECTIVE DATE - December 1, 2008 POLICY AMENDMENT DATE -
More informationGroup Hospital Confinement Indemnity Gap Insurance
Group Hospital Confinement Indemnity Insurance Waco ISD announces Insurance protection Proposed effective date: 01/01/12 Help for the in-between time Managing routine health care costs is difficult enough,
More informationVoluntary Disability Insurance Overview Short-term & Long-term Disability. Prepared for the employees of: Millennia Companies
Voluntary Disability Insurance Overview Short-term & Long-term Disability Prepared for the employees of: Millennia Companies Voluntary Short-term Disability Insurance Coverage paid by you Eligibility If
More informationLong-Term Disability Insurance
Long-Term Disability Insurance Developed for the Employees of Waxie s Enterprises, Inc. Protecting Your Family Securing Your Future As long as you've got your health. If you're physically healthy, you
More informationPrepared for: Socorro Independent School District
Offered by Life Insurance Company of North America (a Cigna company) Employee-Paid LONG-TERM DISABILITY INSURANCE POLICY Prepared for: Socorro Independent School District SUMMARY OF BENEFITS If you had
More informationLong-Term Disability Insurance
Long-Term Disability Insurance Developed for the Class 2 Employees of Palm Beach County Board of County Commissioners 817763 a 06/12 Protecting Your Family Securing Your Future As long as you've got your
More informationLong Term Disability Insurance
Long Term Disability Insurance FOR PHYSICIANS PARTICIPATING IN THE HPP PROGRAM Answers to your questions about coverage from Standard Insurance Company The Standard... in Employee Benefits SM About This
More informationEmployee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA. City of South Lake Tahoe
Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA City of South Lake Tahoe Short Term Disability and Long Term Disability Insurance GROUP POLICY NUMBER - 85331 POLICY EFFECTIVE
More informationVoluntary Long Term Disability (LTD) Benefit Summary
Policyholder: Washburn University Voluntary Long Term Disability (LTD) Benefit Summary Effective Date: 01/01/2018 This chart provides you a brief summary of the key benefits of the long-term disability
More informationVoluntary Benefits. So Important. Your Guide to Understanding Voluntary Disability Income Protection
Voluntary Benefits Your Guide to Understanding Voluntary Disability Income Protection What would happen if you couldn t work? How would your life change if you became ill or injured and couldn t bring
More informationLong 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
More informationSUN LIFE AND HEALTH INSURANCE COMPANY (U.S.)
SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) Executive Office: Home Office: One Sun Life Executive Park 201 Townsend Street, Suite 900 Wellesley Hills, MA 02481 Lansing, MI 48933 (800) 247-6875 www.sunlife.com/us
More informationNAPA Auto Parts Voluntary Long Term Disability Insurance Plan Highlights
NAPA Auto Parts Voluntary Long Term Disability Insurance Plan Highlights Who is eligible? What is my monthly benefit amount? You are eligible for Voluntary Long Term Disability (VLTD) coverage if you are
More informationGROUP DISABILITY INCOME BENEFITS. Insurance Documents AMENDED EFFECTIVE: 10/01/2013. G120-TCC Plan 1 (OK)
GROUP DISABILITY INCOME BENEFITS Insurance Documents AMENDED EFFECTIVE: 10/01/2013 G120-TCC Plan 1 (OK) Dear Valued Customer: Thank you for giving American Fidelity Assurance Company the opportunity to
More informationEmployee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA. Kadlec Regional Medical System
Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA Kadlec Regional Medical System IF YOU RECEIVE PAYMENT OF ACCELERATED BENEFITS UNDER THE GROUP POLICY, YOU MAY LOSE YOUR RIGHT
More informationShort-Term & Long-Term Disability Insurance
Short-Term & Long-Term Disability Insurance Developed for the Employees of Chain Electric Company 817763 a 06/12 Short-Term Disability Insurance Protecting Your Family Securing Your Future As long as
More informationGROUP LONG TERM DISABILITY INSURANCE
GROUP LONG TERM DISABILITY INSURANCE ROCHESTER INDEPENDENT SCHOOL DISTRICT #535 ROCHESTER, MINNESOTA OFF SCHEDULE MIDDLE MANAGEMENT of Wisconsin, Inc. MADISON NATIONAL LIFE INSURANCE COMPANY, INC. Mailing
More informationPlease Note: Your participation in CenturyLink benefit plans is contingent upon the successful completion of the CenturyLink/Level 3 merger.
Please Note: Your participation in benefit plans is contingent upon the successful completion of the /Level 3 merger. Basic and Supplemental Long Term Disability (LTD) Insurance Long Term Disability insurance
More informationMary Lanning Memorial Hospital
Mary Lanning Memorial Hospital Important Benefits Information PHYSICIANS Enrollment Information for: LifeAD&D Voluntary LifeAD&D Short-Term Disability Long-Term Disability MUGC9452 Mutual Insurance products
More informationPolicyholder: Martin Transportation Systems, Inc. Voluntary Short-Term Disability (STD) Coverage Drivers & Mechanics
Policyholder: Martin Transportation Systems, Inc. Voluntary Short-Term Disability (STD) Coverage Drivers & Mechanics Effective Date: 5/1/2015 This is a summary of your short-term disability coverage from
More informationTABLE OF CONTENTS. Eligibility for Insurance 1 Effective Date of Insurance 1. Schedule of Benefits 2 Definitions 2 Insuring Provisions 6
TABLE OF CONTENTS ELIGIBILITY FOR INSURANCE PAGE Eligibility for Insurance 1 Effective Date of Insurance 1 LONG TERM DISABILITY INSURANCE Schedule of Benefits 2 Definitions 2 Insuring Provisions 6 PREMIUMS
More informationStandard Insurance Company Basic and Supplemental Long Term Disability Coverage Highlights CenturyLink
Basic and Supplemental 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.
More informationYOUR GROUP VOLUNTARY LONG-TERM DISABILITY BENEFITS. City of Tuscaloosa
YOUR GROUP VOLUNTARY LONG-TERM DISABILITY BENEFITS City of Tuscaloosa Effective October 1, 2009 HOW TO OBTAIN PLAN BENEFITS To obtain benefits see the Payment of Claims provision. Forward your completed
More informationLong-Term Disability Insurance
Long-Term Disability Insurance Developed for the Employees of CKE Restaurants Holdings, Inc. 817763 a 06/12 Protecting Your Family Securing Your Future As long as you've got your health. If you're physically
More information50% 65% To submit a medical history statement online, visit:
Basic and Supplemental 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.
More informationGROUP LONG TERM DISABILITY INSURANCE
GROUP LONG TERM DISABILITY INSURANCE WALWORTH COUNTY ELKHORN, WISCONSIN AFSCME LOCALS 1925, 1925A, 1925B AND 1925C of Wisconsin, Inc. MADISON NATIONAL LIFE INSURANCE COMPANY, INC. Mailing Address: P.O.
More informationDisability Coverage. Disability benefits help protect your income if you have an illness or injury that keeps you from working.
Disability Coverage Disability benefits help protect your income if you have an illness or injury that keeps you from working. Plan Highlights If you enroll in the voluntary STD benefit, you will be eligible
More informationEmployee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA. Clark Atlanta University
Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA Clark Atlanta University All Full Time Employees GROUP POLICY NUMBER - 40724 POLICY EFFECTIVE DATE - POLICY AMENDMENT DATE -
More informationHospital Indemnity Insurance HI-2200
Hospital Indemnity Insurance HI-2200 APSB-21396-0709 (AL,AK,AR,CO,DE,GA IA,LA,KY,MI,MO,MS,NE,NM,OH,OR,RI,SC,TN,TX,WV) APS-1883 Generic-EE Summary of Benefits Benefit Description Hospital Confinement Level
More informationDisability Insurance Protection for disabling sickness or injuries. Legacy Financial Group
Is your income protected? What would you or your family be able to live without if you were disabled and lost your ability to earn a paycheck? CAR GROCERIES HOME Benefit coverage for accounts of Legacy
More informationYOUR GROUP LONG-TERM DISABILITY BENEFITS
YOUR GROUP LONG-TERM DISABILITY BENEFITS Cornerstone Systems, Inc. All other eligible employees Revised July 1, 2008 HOW TO OBTAIN PLAN BENEFITS To obtain benefits see the Payment of Claims provision.
More informationEmployee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA
Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA Mills Meyers Swartling GROUP POLICY NUMBER - 222551-001 BOOKLET EFFECTIVE DATE - April 1, 2012 BOOKLET AMENDMENT DATE - 93C-LH
More informationEmployee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA
Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA The Vollrath Company L.L.C. Salaried Employees GROUP POLICY NUMBER - 88980-001 BOOKLET EFFECTIVE DATE - January 1, 2005 BOOKLET
More informationMajor Medical Coverage: Covers some costs. GAP in Coverage: Copay, Coinsurance, or Deductible = Out-of-pocket Expenses EMERGENCY ROOM TREATMENT
Major Medical Coverage: Covers some costs. GAP in Coverage: Copay, Coinsurance, or Deductible = Out-of-pocket Expenses IN-HOSPITAL DOCTOR VISITS EMERGENCY ROOM TREATMENT OUTPATIENT SURGERY IN-HOSPITAL
More informationCENTRAL UNITED LIFE INSURANCE COMPANY
CENTRAL UNITED LIFE INSURANCE COMPANY 10777 Northwest Freeway, Houston, Texas 77092 DISABILITY INCOME POLICY POLICY FORM CDI10-GA REQUIRED OUTLINE OF COVERAGE THE POLICY IS NOT A MEDICARE SUPPLEMENT POLICY.
More informationGROUP LONG TERM DISABILITY INSURANCE
GROUP LONG TERM DISABILITY INSURANCE FLUSHING COMMUNITY SCHOOLS FLUSHING, MICHIGAN SUPERINTENDENTS AND ADMINISTRATORS of Wisconsin, Inc. MADISON NATIONAL LIFE INSURANCE COMPANY, INC. Mailing Address: P.O.
More informationEmployee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA. Rose-Hulman Institute of Technology
Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA Rose-Hulman Institute of Technology Group Long Term Disability Insurance Class 2 GROUP POLICY NUMBER - 201998 POLICY EFFECTIVE
More informationShort Term Disability Insurance
Short Term Disability Insurance For Employees Participating In OEBB Plans Standard Insurance Company Short Term Disability Insurance About This Brochure This brochure and the accompanying Oregon Educators
More information10 percent of your LTD benefit before reduction by deductible income
Educator Options Voluntary Long Term Disability Coverage Highlights Voluntary Long Term Disability (LTD) Insurance Long Term Disability insurance is designed to pay a monthly benefit to you in the event
More informationYOUR GROUP VOLUNTARY TERM LIFE BENEFITS
Release 16.2.0 YOUR GROUP VOLUNTARY TERM LIFE BENEFITS FOR EMPLOYEES OF: Northwest Michigan Surgery Center CLASS(ES): All Other Eligible Full-Time Employees EFFECTIVE DATE: January 1, 2015 PUBLICATION
More informationYOUR GROUP LONG TERM DISABILITY INSURANCE PLAN
YOUR GROUP LONG TERM DISABILITY INSURANCE PLAN For Employees of North American Division of Seventh-day Adventists Non-COLA 6CC000 B-13813 01-18 GROUP LONG TERM DISABILITY INCOME INSURANCE CERTIFICATE OF
More informationLong 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
More informationMADISON NATIONAL LIFE INSURANCE COMPANY, INC. Mailing Address: P.O. Box 5008, Madison, Wisconsin 53705
MADISON NATIONAL LIFE INSURANCE COMPANY, INC. Mailing Address: P.O. Box 5008, Madison, Wisconsin 53705 (HEREIN CALLED THE COMPANY) Certifies that it has issued the group insurance policy shown below and
More informationStandard Insurance Company Voluntary Short Term Disability Coverage Highlights Government of the District of Columbia
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
More informationYOUR GROUP LONG-TERM DISABILITY BENEFITS. Crete Carrier Corporation
YOUR GROUP LONG-TERM DISABILITY BENEFITS Crete Carrier Corporation Effective January 1, 2010 HOW TO OBTAIN PLAN BENEFITS To obtain benefits see the Payment of Claims provision. Forward your completed claim
More informationYOUR GROUP VOLUNTARY LONG-TERM DISABILITY BENEFITS. BH Media Group, Inc.
YOUR GROUP VOLUNTARY LONG-TERM DISABILITY BENEFITS BH Media Group, Inc. Revised April 1, 2013 HOW TO OBTAIN PLAN BENEFITS To obtain benefits see the Payment of Claims provision. Forward your completed
More informationVoluntary Long Term Disability Coverage Highlights
Voluntary Long Term Disability Coverage Highlights N A T I O N A L R U R A L L E T T E R C A R R I E R S A S S O C I A T I O N Answers to your questions about coverage from Standard Insurance Company S
More informationSummary of Benefits SUNRUN, INC.
Summary of Benefits SUNRUN, INC. US Active Full Time Employees Basic Term Life, Basic Accidental Death & Dismemberment, Optional Term Life, Dependent Term Life, Optional Accidental Death & Dismemberment,
More informationVoluntary Short Term Disability and Voluntary Long Term Disability Insurance
Voluntary Short Term Disability and Voluntary Long Term Disability Insurance FOR STATE OF WYOMING EMPLOYEES Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY
More informationEmployee Group Benefits. Empire Southwest, LLC
Employee Group Benefits Empire Southwest, LLC Short Term Disability Income Protection Plan SUMMARY PLAN DESCRIPTION PLAN EFFECTIVE DATE: 12/1/2009 Restated 12/1/2016 The plan is a self-funded welfare benefit
More information...spanning the gap in medical benefits
...spanning the gap in medical benefits A deductible and coinsurance program paying up to $5,000 when hospital confined. The rising cost of health care is a real challenge to both employees and employers!
More informationLong Term Disability Coverage
Long Term Disability Coverage Highlights Life changes when you suffer a disability especially when that disability prevents you from returning to work. If you become partially or totally disabled, Turner
More informationAbout This Booklet. Long Term Disability Insurance Features
About This Booklet This booklet is designed to answer some common questions about the group Long Term Disability (LTD) insurance coverage being offered by to eligible employees. It is not intended to provide
More informationYOUR GROUP VOLUNTARY SHORT-TERM DISABILITY BENEFITS
YOUR GROUP VOLUNTARY SHORT-TERM DISABILITY BENEFITS Burke County Public Schools All Eligible Employees in 60% plan Effective July 1, 2012 HOW TO OBTAIN PLAN BENEFITS To obtain benefits see the Payment
More informationYour monthly benefit is 60 percent of the first $8,333 of your insured predisability earnings reduced by deductible income $5,000
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
More informationGROUP DISABILITY INCOME BENEFITS. Insurance Documents EFFECTIVE: 01/01/2013. G Plan G2 (CA)
GROUP DISABILITY INCOME BENEFITS Insurance Documents EFFECTIVE: 01/01/2013 G111-241 Plan G2 (CA) Dear Valued Customer: Thank you for giving American Fidelity Assurance Company the opportunity to help
More informationAvnet Inc. Long Term Disability Plan April 1, 2013
Avnet Inc. Long Term Disability Plan April 1, 2013 DISCLAIMER Sponsor: Policy Number(s): Avnet Inc. GF3-860-066398-01 Date Provided: May 15, 2014 The following certificate(s) are a true copy of the certificate(s)
More informationYOUR GROUP LONG TERM DISABILITY PLAN
YOUR GROUP LONG TERM DISABILITY PLAN For Employees of University of Alaska 6CC000 GROUP LONG TERM DISABILITY INCOME INSURANCE CERTIFICATE OF COVERAGE RELIASTAR LIFE INSURANCE COMPANY 20 Washington Avenue
More informationBenefit Amount Your monthly LTD benefit is a percentage of your insured monthly predisability earnings reduced by deductible income.
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
More informationVoluntary Short Term Disability Insurance FOR EMPLOYEES OF SALT LAKE COUNTY
Voluntary Short Term Disability Insurance FOR EMPLOYEES OF SALT LAKE COUNTY Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY About This Booklet This booklet
More informationShort-Term Disability Insurance
Short-Term Disability Insurance Developed for the Employees of Sulphur Springs Independent School District Protecting Your Family Securing Your Future As long as you've got your health. If you're physically
More informationEveryone deserves a better Tomorrow.
Everyone deserves a better Tomorrow. TransDI Plus short-term disability income insurance can help protect your income if you ever get sick or hurt and can t work. Underwritten by, Cedar Rapids, Iowa. How
More informationStandard Insurance Company Voluntary Disability Coverage Highlights FedAdvantage
Voluntary Disability Insurance 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 replaces a portion of your
More informationYour monthly benefit is 60 percent of the first $8,333 of your insured predisability earnings reduced by deductible income $5,000
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
More informationINVITATION TO NEGOTIATE # EMPLOYEE BENEFITS INSURANCE PLANS ATTACHMENT 9 LONG TERM DISABILITY (LTD) BENEFIT SUMMARY
INVITATION TO NEGOTIATE # 002-18 EMPLOYEE BENEFITS INSURANCE PLANS ATTACHMENT 9 LONG TERM DISABILITY (LTD) BENEFIT SUMMARY Southwest Florida Water Management District Long Term Disability Coverage This
More informationYOUR GROUP MONTHLY DISABILITY INCOME INSURANCE PLAN
YOUR GROUP MONTHLY DISABILITY INCOME INSURANCE PLAN For Employees of Taylor Corporation and Participating Affiliates, Divisions and Subsidiaries All Eligible Employees 6CC000 B-18022 (03-18) GROUP LONG
More informationSTANDARD INSURANCE COMPANY
STANDARD INSURANCE COMPANY A Stock Life Insurance Company 900 SW Fifth Avenue Portland, Oregon 97204-1282 (503) 321-7000 CERTIFICATE GROUP LONG TERM DISABILITY INSURANCE Policyholder: County of Clackamas
More informationTHE GEORGE WASHINGTON UNIVERSITY CERTIFICATE SHORT TERM DISABILITY INCOME BENEFIT PROGRAM
THE GEORGE WASHINGTON UNIVERSITY CERTIFICATE SHORT TERM DISABILITY INCOME BENEFIT PROGRAM The George Washington University has established a short term disability (STD) income benefit Program and agreed
More informationSHORT TERM DISABILITY INCOME PLAN. for the. Class 2 Employees. The University of Richmond
SHORT TERM DISABILITY INCOME PLAN for the Class 2 Employees of The University of Richmond Plan Effective Date: January 1, 2013 The following information constitutes the Summary Plan Description required
More informationEmployee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA. PW Stoelting LLC
Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA PW Stoelting LLC PW Stoelting LLC Hourly employees GROUP POLICY NUMBER - 88980 POLICY EFFECTIVE DATE - January 1, 2005 POLICY
More informationMajor Medical Coverage: Covers some costs. GAP in Coverage: Copay, Coinsurance, or Deductible = Out-of-pocket Expenses EMERGENCY ROOM TREATMENT
Major Medical Coverage: Covers some costs. GAP in Coverage: Copay, Coinsurance, or Deductible = Out-of-pocket Expenses IN-HOSPITAL DOCTOR VISITS EMERGENCY ROOM TREATMENT INPATIENT SURGERY IN-HOSPITAL STAY
More informationFor the Employees of: ABC Company
Group Disability Income Insurance Enrollment at a Glance A simple way to protect your financial future. For the Employees of: ABC Company What is Group Short Term Disability Income Insurance? Group Short
More informationA regular employee of Pickens County Board of Education
Voluntary Long Term (LTD) Insurance Long Term 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 replaces a portion
More informationGROUP LONG TERM DISABILITY INSURANCE CERTIFICATE OF COVERAGE
GROUP LONG TERM DISABILITY INSURANCE CERTIFICATE OF COVERAGE LifeMap Assurance Company 200 SW Market Street P.O. Box 1271, M/S E8L Portland, OR 97207-1271 (800) 794-5390 POLICYHOLDER: CORBAN UNIVERSITY
More informationYour monthly benefit is 66 2 /3 percent of the first $7,500 of your insured predisability earnings reduced by deductible income $5,000
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
More informationStandard Insurance Company Voluntary Disability Coverage Highlights FedAdvantage
Voluntary Disability Insurance 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 replaces a portion of your
More informationLONG TERM DISABILITY INSURANCE CERTIFICATE BOOKLET
LONG TERM DISABILITY INSURANCE CERTIFICATE BOOKLET GROUP INSURANCE FOR PINCKNEY COMMUNITY SCHOOLS SCHOOL NUMBER 193 TEACHERS The benefits for which you are insured are set forth in the pages of this booklet.
More informationSTANDARD 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: National
More informationGroup Voluntary Long Term Disability Insurance
Group Voluntary Long Term Disability Insurance For Employees of Kent State University Answers To Your Questions About Coverage From The Standard Standard Insurance Company Group Voluntary Long Term Disability
More informationGroup Short Term Disability Insurance
Group Short Term Disability Insurance Employee Benefit Booklet ALPENA COUNTY F012531-0001 Class 1-05 Products and services marketed under the Dearborn National brand and the star logo are underwritten
More informationYour Choice Group Voluntary Long Term Disability Insurance
Your Choice Group Voluntary Long Term Disability Insurance Helping to safeguard your financial future Long Term Disability Insurance About This Booklet This booklet is designed to answer some common questions
More informationSUN LIFE ASSURANCE COMPANY OF CANADA
SUN LIFE ASSURANCE COMPANY OF CANADA Executive Office: One Sun Life Executive Park Wellesley Hills, MA 02481 (800) 247-6875 www.sunlife.com/us Sun Life Assurance Company of Canada certifies that it has
More informationGROUP LONG TERM DISABILITY INSURANCE
GROUP LONG TERM DISABILITY INSURANCE FARIBAULT INDEPENDENT SCHOOL DISTRICT #656 FARIBAULT, MINNESOTA TEACHERS, PSYCHOLOGISTS, SOCIAL WORKERS, PHYSICAL AND OCCUPATIONAL THERAPISTS, LONG TERM SUBSTITUTES
More informationShort Term Disability Plan
Employee Group Benefits Sarasota County Government Short Term Disability Plan SUMMARY PLAN DESCRIPTION PLAN EFFECTIVE DATE: September 13, 2008 The plan is a self-funded benefit plan ( Plan ) providing
More informationGROUP DISABILITY INCOME POLICY
GROUP DISABILITY INCOME POLICY Sponsor: Policy Number: Colliers International USA, LLC. GD/GF3-860-066650-01 Effective Date: January 1, 2015 Governing Jurisdiction is Washington and subject to the laws
More informationExpanded Long Term Disability Insurance
California Association of Professional Scientists Expanded Long Term Disability Insurance California Association of Professional Scientists STANDARD INSURANCE COMPANY CAPS is proud to offer our members
More informationEligibility Requirements Policy
Standard Insurance Company Base and Buy-up Long Term Disability Coverage Highlights Voluntary Long Term Disability (LTD) Insurance Long Term Disability insurance is designed to pay a monthly benefit to
More informationKEEP THIS NOTICE WITH YOUR INSURANCE PAPERS
KEEP THIS NOTICE WITH YOUR INSURANCE PAPERS PROBLEMS WITH YOUR INSURANCE? - If you are having problems with your insurance company or agent, do not hesitate to contact the insurance company or agent to
More informationGROUP VOLUNTARY TERM LIFE CERTIFICATE SUMMARY PAGE 2 of 2
This summary describes the terms and conditions of the Policy. For a complete description of the terms and conditions of the Policy, refer to the appropriate section of the Certificate, available from
More information