Decide TODAY to Protect Tomorrow

Transcription

1 Decide TODAY to Protect Tomorrow Association Benefits Specifically Designed for Independent Contractors with Capitol Group, Inc

2 ASSOCIATION BENEFITS Through membership in UTBA, drivers will have access to a full package of benefits and enjoy numerous health and consumer discounts. These Health Services will enhance any of UTBA insurance plans as well. Health Services Emergency Medical Travel Assistance 24 Hour Emergency Nurse Helpline Gateway Medical Card (Lists Medications and Conditions) LensCrafters Vision Club Vitamin and Nutritional Supplement Discounts (Up to 40%) Accudiet.com Mail Order Hearing Service Online Health Assessment GlobalFit Program (Fitness Center Discounts) Consumer Services 24 hr. Roadside Assistance ($50 per claim) Quest Travel Plan (Hotel, Car Rental, and Travel Savings) Long Distance Phone Service (Lowest rates 3.9 cent per minute) Child ID Safety Network Savers Club Book (Savings for Theatres, Restaurants, Theme Parks.etc) High Speed Dial Up Internet Access Delta Community Credit Union Membership UTBA National Service Center ( or provides information on: Insurance Account Management Member Eligibility Verification of All Benefits General Policy Questions, Cancellations, Additions, Claims, ID cards, etc. Guidance for 24 Hour Access to Benefits via website Information on Prescription Benefits Steerage to PPO Discount Network of Hospitals and Doctors Member Patient Advocacy Program UTBA/Capitol Group, Inc. Our Mission Our mission at UTBA/Capitol Group, Inc. is to be recognized as the most competent and innovative provider of benefit and communication services in the Transportation industry. About Us UTBA/Capitol Group, Inc. provides enduring, no nonsense, benefit and communication solutions for our trucking clients. Capitol Group purchased an existing association, formed in 1987, and the name and focus was changed to the trucking industry. The leadership of the company has over 50 years experience in developing the appropriate product mix for drivers and key owner/operator drivers. We have created the best venue available in the marketplace for communication, enrollment, and implementation of the process, and servicing the total package. We currently do business with over 100 trucking companies, and insure thousands of their valuable drivers and owner/operators in our affordable benefit plans. Our 25 full time licensed representatives have many years of experience working with owner/operators. Our success is attributable to the communication and distribution system we utilize to reach our prospective members, and to how our program is implemented. National Service Center Our National Service Center handles all of the administration including: billing, collections, expediting claims, cancellations, and changes in benefits, through our nationwide 800 line ( ) and our website (UTBA.com). The website is accessible to members 24 hours a day, using their personal PIN code. Web access allows our members to see which family members are enrolled, what their specific premiums are, and what all of their benefits entail. Through steerage and counseling, a UTBA Customer Service Advocate assists members in receiving their fullest potential of their benefits and savings.

3 UTBA Insurance Benefits Full Package of Benefit Offerings Universal Trucking Benefits Association has one of the most competitive and affordable insurance programs for drivers in the transportation marketplace today. UTBA has worked with many of the top insurance companies for many years and has built a trust with them to constantly offer the best plans and pricing to our prospective clients and members. All of the insurance companies available with UTBA are rated A or higher by AM Best and have been financially stable for many, many years. Most of the Insurance Plans available with UTBA are available thru all states. Most are also available with affordable UTBA group rates and are also guaranteed issue, regardless of medical conditions. UTBA is always on the lookout to find the best insurance plans available in the trucking industry as well as constantly working with our current insurance providers to develop and enhance current and future UTBA Insurance Plans. Limited Benefit Health Insurance (APL) Individual Major Medical Insurance (PCIP, Celtic) Dental Insurance (APL) Vision Insurance (United Healthcare) Disability Insurance (TransDI Plus) Life Insurance (TransLegacy Universal Life and Trans Select 20 Term Life) Critical Illness Plan (APL) 24 Hour Accident Plan (APL) CDL Protector Legal Plan (US Legal Services) Guarantee Issue on Most Benefits Offered! As a valued Independent Contractor you will be given the option to conveniently pay for all of your selected benefits and UTBA association fee through a weekly settlement deduction! You will also be able to keep your benefits and UTBA association membership, even after you are no longer contracted!

4 WE WILL ASSIST YOU IN CHOOSING THE BEST PLAN FOR YOU AND YOUR FAMILY Whether you are already a UTBA member or just signing up, we will be able to walk through a detailed comparison of the benefits offered and help you choose the right plan. You may enroll in a variety of different benefits including optional benefits available for spouses and children. National PPO networks available to ensure access to physicians, clinics and hospitals in every state in the U.S. Benefits are Portable so even if you are no longer driving you may arrange to keep your UTBA membership and benefits purchased. We Have You Covered UTBA offers two Limited Benefit Medical programs that provide the best and most affordable guarantee issue coverage available for you and/or your family. APL Limited Benefit Health Insurance Plan American Public Life s Limited Benefit Health Insurance Plan provides a benefits plan with many options where a traditional health plan is not practical, available, or affordable. This limited benefit health insurance plan will help those without insurance gain affordable access to basic health services. Guaranteed issue. No health questions No Pre Existing Condition Limitation Period No Lifetime Maximum No Deductible Pays in addition to any other insurance. Beechstreet PPO National Provider Network CVS/ Caremark National Pharmacy Network Call UTBA at to Enroll Now

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6 Individual Major Medical Insurance Based on your individual situation we can help you enroll in an individual major medical policy. These policies are based on your individual health status, age, gender, and location. The Federal Pre Exisiting Condition Plan is for those who are not able to obtain other individual coverage due to pre existing conditions. If you do not have health conditions, you can also apply for a traditional individual major medical policy. Sample rates are below. Call one of our licensed agents to walk you through all of your options. Major medical policies do not qualify for settlement deductions. Federal Pre Existing Condition Plan (for those with medical conditions) INDIVIDUAL PLANS AND Standard Plan Extended Plan RATES WILL VARY BY STATE In Network Out of Network In Network Out of Network Deductible $2,000 $3,000 $1,000 $1,500 Coinsurance 20% 40% 20% 40% Maximum out of Pocket $4,000 $7,000 $4,000 $7,000 Office Visit Copay $25 40% $25 40% Prescription Drugs Rx Deductible $500 formulary $250 formulary Generic Copay $4 first 2 fills / $4 or 50% 3rd and after $4 first 2 fills / $4 or 50% 3rd and after Brand Copay $40 first 2 fills / $40 or 50% 3rd and after $30 first 2 fills / $30 or 50% 3rd and after Non Formulary Copay $80 first 2 fills / not covered 3rd and after $60 first 2 fills / not covered 3rd and after Specialty Copay 25%, $150 max formulary 25%, $150 max formulary Sample Monthly Rates Standard Plan Extended Plan Age $220 $296 Age $264 $356 Age $338 $455 Age 55+ $470 $663 * Rates above are for Georgia All states have access to either the federal PCIP plan or a similar state pool. In order to qualify for the pre existing conditions plan, a participant must meet certain criteria. Please call with questions on how to qualify. Sample Policy with CELTIC (if no major medical conditions) INDIVIDUAL PLANS AND Copay Plan HSA Plan RATES WILL VARY BY STATE In Network Out of Network In Network Out of Network Deductible $1,500/$3,000 $2,600/$5,200 Coinsurance 20% 40% 20% 40% Maximum out of Pocket $3,500/$7,000 $9,000/$18,000 $5,000/$10,000 $10,000/$20,000 Office Visit Copay $15 first 2 visits 20% after deductible 3 rd + 40% 20% after deductible 30% after deductible Prescription Drugs Generic Copay $15 20% after deductible Brand Copay $40 20% after deductible Non Formulary Copay 30% 20% after deductible Specialty Copay 30% 20% after deductible Copay Plan HSA Plan Sample Monthly Rates Single Driver/Spouse Family Single Driver/Spouse Family Age 35 $196 $406 $535 $127 $265 $339 Age 45 $311 $612 $741 $311 $406 $480 Age 55 $482 $896 $1025 $324 $601 $675 *Sample individual rates are based on a male with a standard health rating for a 6/1/2012 effective date, Atlanta, GA Actual rates vary based on location, age, and health history. Call UTBA at to Enroll Now

7 Dental and Vision Insurance Plans APL Dental Insurance All eligible independent contractors and their family members are offered the opportunity to enroll in this guaranteed acceptance group dental plan with American Public Life Insurance Co. Newly contracted drivers and their family members are eligible the first of the month after they start. Preventative Services Covered at 100% with No Waiting Period NO DEDUCTIBLE: o Periodic Exams, Bitewing X rays, Prophylaxis (cleaning & scaling), Space Maintainers, Fluoride treatments for children and Sealants Services Covered at 60% with No Waiting Period: o Radiographs FMX: Full mouth or Panoramic X rays, o Basic: Palliative (emergency) Treatment of Dental Pain, Simple Extractions, X rays (Intraoral Periapical, Extraoral, Vertical Bitewings and Sialography) o Basic Restorative: Amalgams and Resin Based Composites Services Covered at 40% after 12 month Waiting Period: o Major: Inlay, Onlay, Crown, Fixed Partial Denture (bridge), Partial and Complete Denture o Endodontics: Root Canal (Anterior, Bicuspid and Molar) Therapeutic Pulpotomy o Periodontics: Gingivectomy, Osseous Surgery, Periodontal Scaling and Root Planing o Prosthodontic Repairs: Rebase, Reline, Repair Broken Clasp and Repair Cast Framework o Oral Surgery: Removal of Impacted Tooth, Frenulectomy, Incision and Drainage of Abscess $50 Annual Deductible with Maximum Deductible of $150 per Family (Deductible combined for all services covered at 60% and 40%. No deductible for Preventative Services.) Calendar Year Maximum Benefit of $1,250 Dental Rates Contractor Only Contractor + One Contractor + Children Full Family Weekly Rates: $5.31 $10.62 $10.15 $14.77 United Healthcare Vision Insurance All eligible independent contractors and their family members are offered the opportunity to enroll in this guaranteed acceptance group vision plan with UHC. Newly contracted drivers and their dependents are eligible first of the month after hire. UHC Vision Network consisting of more than 24,000 private practice/retail chain vision providers Comprehensive Vision Examination covered at 100% after $10 copay* 1 every 12 months Materials* $25 Copay o Lenses and Contacts covered at 100% 1 pair every 12 months o Frames covered at 100% 1 pair every 24 months * Enrolled members can choose from any UHC network provider. Lens benefits include standard single or multi focal vision prescription lenses with over 50 covered varieties to choose from. Members can choose from over 100 varieties of covered frames. Discounted rates for specialized materials available. Vision Rates Contractor Only Contractor + One Contractor + Children Full Family Weekly Rates: $1.85 $3.24 $5.50 $5.50 Call UTBA at to Enroll Now

8 Life Insurance Benefits TransLegacy SM Universal Life Insurance TransLegacy Universal Life (UL) Insurance combines life insurance protection with an ability to grow cash value. The insured has the benefit of a specified death benefit plus the opportunity to tailor coverage to fit your personal situation, as well as the needs of your family. As with all life insurance, the main purpose for getting a TransLegacy Universal Life insurance policy is to help secure a financial future for you and your loved ones. Here are some additional advantages: Flexibility You decide how much life insurance you need and subject to certain requirements and limitations, you can adjust the death benefit and premium payments to fit your changing needs. Convenience You ll appreciate the convenience of automatic premium payments through payroll deduction. If you retire or leave your group, you can take comfort in knowing the premiums for your coverage will not change because you leave. You can choose direct bill or pre authorized bank draft. Security You help protect your loved ones against possible financial hardship in the event of the insured s death. Tax Free death benefit Under current tax laws governing individual life insurance, life insurance proceeds are generally income tax free to the beneficiary. Tax Deferred account value growth Your policy s Account Value earns interest at the company s current interest rate federal income tax deferred. The current interest rate is guaranteed to be at least 4% a year. Because of these advantages, universal life can be used in estate planning and retirement planning, offering the policy owner a variety of options. UTBA Member Policy Highlights: Contingent Guaranteed Issue up to $150,000 on driver, $25,000 on spouse and $10,000 on children. Accidental Death Rider pays double the death benefit in the event of an accidental death. Coverage continuation in case of a layoff protects your life insurance from lapsing for up to six months if you re involuntarily laid off. Conditions and limitations apply. Cash Value grows tax deferred. Cash value interest rate guaranteed at 4.0%!! Long Term Care/Extension of Benefits Rider helps to pay towards nursing home, assisted living facility, home health care, or adult day care services; helps to extend benefits payments if necessary Sample Weekly Rates for $50,000 (assumes Tobacco User): Age at Time of Policy Purchase Death Benefit Weekly Premium Estimated Cash Value at age 65 assuming 5.25% interest (Non-Guaranteed) 35 $50,000 $10.65 $11, $50,000 $17.35 $9, $50,000 $29.19 $3,763 Call UTBA at to Enroll Now

9 Term Life Insurance plus Critical Illness Benefit Trans Select 20 Term Life + 25% Critical Illness Rider If Something Happens to You, Is Your Family Ready For Tomorrow? There is no way to know what will happen tomorrow, but there is a way to help protect your family against the unexpected. Trans Select 20 is Transamerica s new term life insurance product to meet life s changes today and tomorrow. Trans Select 20 Benefits are Easy to Understand. Trans Select 20 offers guaranteed level premiums for the term period of 20 years. UTBA Member Policy Highlights: Up to $150,000 Contingent Guarantee Issue no health questions! Up to $500,000 SI Coverage for member Optional Spouse coverage is available at $25,000 and Children at $10,000 25% Critical Illness Rider & Terminal Illness Rider Included Sample Weekly Rates $50,000 Life Insurance Amount Age Non Smoker Smoker 25 $2.76 $ $3.44 $ $4.45 $ $6.05 $ $7.98 $ $9.28 $ $14.11 $ $20.21 $ $30.72 $53.74 Call UTBA at to Enroll Now

10 Disability Benefits TransDI Plus Disability Insurance TransDI Plus helps replace income lost from a short term disability by providing up to 60% of base annual salary if a covered person is unable to work due to total or partial disability. Benefit amounts available in $100 increments, enabling clients the freedom to select the coverage best suited to their needs. Waiver of Premium Provision This benefit goes further to ease the financial burden of disability. Premiums are covered after 90 consecutive days of total disability or the elimination period whichever is longer. Refer to the contract provisions for limitations. Partial Disability Benefit Provision When recovering from a disability activating the Waiver of Premium Provision, if an insured can only return to work on a limited basis, TransAmerica will pay up to half of the monthly benefit amount, starting the first day following the end of the total disability. Accelerated Benefit for Terminal Illness Rider If a covered person is initially diagnosed with a terminal illness (12 months left to live) by a physician on or after the effective date of the rider, 12 months of disability benefits are paid in advance. Benefit Type Payable for Elimination Period Accident Benefit Period/Off Job Up to 12 Months 14 Days Sickness Benefit Period Up to 12 Months 14 Days Monthly Income Benefit: This can be elected by the contractor in desired amount (in $100 increments) between $400 and $3,000 monthly, up to 60% of basic monthly earnings. Monthly Premium/Benefit per $100 of Desired Monthly Benefit Amount Age at Time of Purchase Premium per $100 Benefit $4.32 $5.38 $8.08 Example: Weekly premiums for 49 year old Monthly Income Weekly Premium $1,200 $11.96 $1,500 $14.95 $2,000 $19.94 $2,500 $24.92 Call UTBA at to Enroll Now

11 Critical Illness Plan A Critical Illness can happen to anyone at any time. Many times, major medical insurance plans may only pay some of the incurred charges, leaving you with unexpected expenses. Critical Illness insurance is designed to help supplement out of pocket expenses associated with covered critical illnesses that are positively diagnosed by a physician. These illnesses can affect individuals with high deductible health plans, traditional health plans, or no health plans. A critical illness policy can offset both medical and non medical out of pocket expenses. $10,000 Critical Illness Benefit Benefit Amounts Heart Attack Coronary Artery Bypass Surgery Coronary Angioplasty Permanent Damage Due to a Stroke Major Organ Failure End Stage Renal Failure Permanent Paralysis (Accidental Injury) Invasive Cancer Carcinoma In Situ Skin Cancer Complete Loss of Sight Complete Loss of Hearing Advanced Alzheimer s disease Recurrent Diagnosis Benefit Rider Health Screening Test Benefit Rider Waiver of Premium Benefit 25% of the Critical Illness Benefit Amount $500 Indemnity Benefit Amount 25% of the Critical Illness Benefit Amount $250 Indemnity Benefit 50% of the Critical Illness Benefit Amount $50 Indemnity Benefit Waive Premium Weekly Rates: Non Nicotine Individual Ind/Spouse Ind/Children Family Nicotine Individual Ind/Spouse Ind/Children Family Call UTBA at to Enroll Now

12 24 Hour Accident Plan On and Off the Job Accident Insurance Accidents continue to be the fifth leading cause of death for Americans. About 1 in 10 Americans visited a hospital emergency room due to an accidental injury in Each year, about 1.2 million children between the ages of 5 and 14 are treated for sports and recreational related injuries. Over 90% of disabling accidents and illnesses are not work related and therefore are not covered under Workers compensation. Summary of Benefits by Level Benefit Description Level 2 Level 3 Outpatient Treatment Benefits Hospital Emergency Room (if treatment received within 72 hours) Physician s Office (if treatment received within 30 days) Emergency Dental Work (if treatment received within 72 hours) Inpatient Treatment Benefits $500 $750 $100 $150 $100 $150 Hospital Admission $500 $750 Daily Hospital Confinement (per day up to 30 days) Intensive Care Unit (per day up to 15 days) Accidental Death & Dismemberment Benefits** $200 $300 $400 $600 Death $30,000 $45,000 Dismemberment Both arms and legs $30,000 $45,000 Both arms, legs, hands, feet or eyes $15,000 $22,500 One arm, leg, hand, foot or eye $7,500 $11,250 One or more finger(s) or toe (s) $2,000 $3,000 **Eligible child benefit is ½ the Insured s Benefit Amount. Ambulance Benefit Ground or Air $500 $750 Medical Imaging $200 $300 Weekly Rates by Level Member $3.09 $4.32 Member & Spouse $4.82 $6.95 One Parent Family $4.94 $7.06 Two Parent Family $7.71 $11.19 Call UTBA at to Enroll Now

13 CDL Defender Coverage U.S. Legal Services Don t take chances help protect your career for just $1 a day! This CDL Defender coverage provides covered drivers 100% paid legal representation for all moving, non moving, DOT, and CSA violations. Program Description Covered violations include, but not limited to: Attorney s fees: Representation area: CSA/DataQ challenges: Speeding Load Spill Overweight Overlength HOS Violations Hazmat Lane Violations Expired Medical Certificate Parking Violations Weight Receipt 100% covered All 50 states, Canada, Mexico Covered in full for covered driver Cases that are reduced or dismissed: 90% US Legal Representation always retains local attorneys Additional benefits for enrolled drivers: Reduced attorney s fees for bankruptcies, divorce, child custody, IRS tax issues, Criminal and civil law Identity Shield ID theft protection Financial coaching credit card debt, retirement accounts, and credit repair Drivers and spouses are covered in their personal vehicles Educational s sent to drivers regarding trouble areas and changes to various laws Helps protect your commercial driver s license Rate: $7.61 per week For your convenience, the premiums will be collected via settlement deduction. Call UTBA at to Enroll Now

14 UTBA Membership Benefits & Discounts Through membership in UTBA, you have access to a full package of insurance benefits as outlined in the previous pages AND have access to numerous health and consumer discounts. Drivers will be responsible for the $2.99 weekly member fee in addition to insurance benefit costs. Your Association Membership Benefits Include: Health Services Emergency Medical Travel Assistance 24 Hour Emergency Nurse Helpline Gateway Medical Card (Lists Medications and Conditions) LensCrafters Vision Club Vitamin and Nutritional Supplement Discounts (Up to 40%) Mail Order Hearing Service Online Health Assessment GlobalFit Program (Fitness Center Discounts) Consumer Services 24 Hour Roadside Assistance ($50 per claim) Quest Travel Plan (Hotel, Car Rental, and Travel Savings) Long Distance Phone Service (Lowest rates 3.9 cent per minute) Child ID Safety Network Savers Club Book (Savings for Theatres, Restaurants, Theme Parks.etc) High Speed Dial Up Internet Access Delta Community Credit Union Membership UTBA National Service Center Call or go to to obtain information on Insurance Account Management Member Eligibility Verification of All Benefits General Policy Questions, Cancellations, Additions, Claims, ID cards, etc. Guidance for 24 Hour Access to Benefits via website Information on Prescription Benefits Steerage to PPO Discount Network of Hospitals, Clinics and Doctors Member Patient Advocacy Program Call UTBA at to Enroll Now Call UTBA at to Enroll Now