GROUP TERM LIFE / AD&D

·         Available to groups of 15 or more employees.

·         Flat benefits amounts or salary multiples.

·         Dependant Group Life available.

·         Non-contributory plans:  Employer pays.

·         Voluntary/Contributory plans:  Optional or Supplemental plans; Employee pays.

·         Include waiver of premium/conversion.

GROUP LONG TERM DISABILITY

·         Available for groups of 25 or more employees.

·         Benefit percentages:  50%, 60%, 67%.

·         Benefit maximums:  up to $25,000 per month.

·         Elimination periods:  90, 180 or 360 days

·         SS Integration:  Primary, Full Family, 70% All Source, Backdoor.

·         Own occupation definitions:  2 to 5 years, to age 65.

·         Benefit durations:  2 to 5 years, to age 65.

GROUP SHORT TERM DISABILITY

·         Available to groups of 25 or more employees.

·         Benefit percentages:  50% to 70%.

·         Benefit maximums:  up to $1,500 per week.

·         Elimination periods:  0, 7, 14 or 30 days.

·         Benefit durations:  13, 26 or 52 weeks.