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Eligible Employees
- may include, but is not limited to all
active full and part-time employees, and
/ or a specified class or classes of
employees as determined by the employer,
subject to carrier approval.
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Benefit Maximum
- maybe a flat amount or multiple of
earning, and /or benefit limits may
vary within each class as determined by
the employer, subject to underwritign
and the slected carrier.
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Waiting Periods
- may
apply as determined by the employer
prior to receiving benefits usually
following 30, 60 or 90 days from the
date of hire.
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Minimum Hours
- employees maybe required to work regularly a minimum of 20 to 40
per week as determined by the employer,
subject to underwriting approval by the
selected carrier.
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Contributions -
Employers
pays 100% of the cost of premiums for
any / and all class(s) of employees
covered under these policies.
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Definition of Earnings
- benefits maybe provided based on a
flat amount or multiples of annual
earnings that may include based salary,
bonus, and / or commissions up to a
specified maximum.
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Guarantee Issue - no medical underwriting and / or related requirements based
benefit plans up to pre-determined
limits with selected carriers based on
the number of covered lives.
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Benefit Reduction
- the amount of coverage or limits maybe
reduce at specified ages based on the
number of lives with selected carriers.
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Family Benefits Package:
Provides career adjustment, child care
and higher education benefits* to family
members of insured employees who die as
a result of an accident
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Seat Belt Benefit:
Pays a benefit equal to the amount of
the AD&D benefit, up to $10,000, to
beneficiaries when an employee dies in
an automobile accident while wearing a
seat belt
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Air Bag Benefit:
Provides further protection in the event
of a covered automobile accident for
which the Seat Belt Benefit is payable.
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Travel Assistance: - Provides a broad range of support to your clients'
employees who travel 100 or more miles
from home with a 24 Hr Multi-Lingual
Access Internationally.
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Emergency Evacuation
- Secure authorization for treatment &
Transport.
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Repatriation of Remains
-
Secure Government Authorization &
Transport of Remains.
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Paralysis -
Insured who suffer a covered injury
resulting in quadriplegia receive the
Principal Sum; in paraplegia, 75% of the
Principal Sum; and in hemiplegia, 50% of
the principal Sum.
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Rehabilitation
- in the
case of a covered loss (other than loss
of life), this option provides a
training benefit for work the insured
would not otherwise be trained to
perform (up to $2,500).
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Child
Education
-selected
carriers may provide a limited annual
benefit for children of an injured
employee to attend an institution of
higher learning for up to 4 years.
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Expanded AD&D:
Available at an added cost, offers
additional coverage to help protect
employees from unexpected financial
hardships resulting from the accidental
loss of life due to occupational
assault, loss of speech or hearing,
brain damage, coma benefit -
and other covered losses
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Leaves of Absence
-
employees maybe covered up to 12 weeks
under FMLA and the employer may elect to
cover employees on voluntary leave for
periods form 30 to 180 days, subject to
underwriting approval by the selected
carrier.
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