Employer Groups 2-9

Minimum Group Size:

2 employees

Maximum Group Size:

9 employees

Minimum Employer Contribution:

25%

Participation Requirements:

Group Size 2 - 4: 100% of eligible employees must enroll
Group Size 5 - 7: All but 1 eligible employees must enroll
Group Size 8 - 9: All but 2 eligible employees must enroll

Plan Options:

Choose between a flat benefit option from $15,000 to $100,000; OR a multiple-of-salary option (1, 2, or 3 times the insured's annual salary). Maximum benefit $100,000

Guarantee Issue:

2 - 5 lives: Up to $25,000 per person
6 - 9 lives: Up to $50,000 per person

Premium:

Age rated

Reductions and Terminations:

• Employees must be actively at work on their effective date for coverage to be effective.
• Group Term Life/AD&D insurance reduces to 65% of the original amount at age 65, to 50% of the original amount at age 70, and to 25% of the original amount at age 75. All benefits terminate at retirement, or when the employee or dependent are no longer disabled.

Eligibility:

• All full-time employees who work a minimum of 30 hours per week on a year-round basis. Coverage does not include temporary, seasonal, or retired employees.
• Employees must be actively at work on their effective date for coverage to be eligible.

Additional information can be provided upon request.

DISCLAIMER: This is a brief description of the products offered and is for informational purposes only. In the event of a conflict between this information and the policy, the policy will prevail.

Spouse:

• Plan 1: $10,000 coverage
• Plan 2: $5,000 coverage

Children:

• Birth to 6 months: $100
• 6 months to 19 years (23 years if full-time student): $5,000

Participation Requirements:

No minimum

Premium:

Per life, flat fee

Minimum Group Size:

2 employees

Maximum Group Size:

9 employees

Minimum Employer Contribution:

25%

Participation Requirements:

Group Size 2 - 4: 100% of eligible employees must enroll
Group Size 5 - 7: All but 1 eligible employees must enroll
Group Size 8 - 9: All but 2 eligible employees must enroll

Benefit Duration Options Available:

13 or 26 weeks, depending on the plan

Benefits Begin:

1st, 8th, or 15th day of disability for accident and/or illness, depending on the plan. First day benefits for accident only.

Plan Options:

Choose between a flat benefit option, available in $50 increments to a maximum of $250 of your weekly income (not to exceed 66 2/3 percent of earnings) OR a percentage of salary option (not to exceed 66 2/3 percent of earnings). Minimum $50, maximum $750.

Premium:

Age rated

Reductions and Terminations:

Benefits terminate at retirement

Eligibility:

• Employees must be actively at work on their effective date for coverage to be eligible
• Groups with less than 61 percent of employees age 50 and above
• Groups with less than 51 percent of those covered being from the same family

Industries not eligible for Short Term Disability coverage
Additional information can be provided upon request.

DISCLAIMER: This is a brief description of the products offered and is for informational purposes only. In the event of a conflict between this information and the policy, the policy will prevail.

Minimum Group Size:

2 employees

Maximum Group Size:

9 employees

Minimum Employer Contribution:

25%

Elimination Periods:

90 days OR 180 days

Plan Options:

Percentage of gross monthly salary-based plan with a choice between a 90- or 180-day elimination period

Duration Options:

Social Security Normal Retirement Age (SSNRA) OR 5 years

Benefit Amounts:

60 percent of monthly salary, maximum of $4,000, $5,000,
or $6,000

Eligibility:

• Groups with less than 61 percent of employees age 50 and above
• Groups with less than 51 percent of those covered being from the same family
• "Family" means father/in-law, mother/in-law, sister/in-law, brother/in-law, son/in-law, or daughter/in-law

Industries not eligible for Long Term Disability coverage
Additional information can be provided upon request.

DISCLAIMER: This is a brief description of the products offered and is for informational purposes only. In the event of a conflict between this information and the policy, the policy will prevail.