Page 16 - Future Steps
P. 16
Benefits Enrollment
Optional Insurance
Accident Insurance Critical Illness Insurance
Group Accident insurance through Alac Alac’s critical illness coverage pays a lump sum, directly to you for
pays a beneit directly to you to offset the covered conditions. Employees may elect up to $30,000 without
expenses that medical insurance does not any medical questions ($15,000 for spouse). Children are covered
cover, such as lost wages, transportation at 50% of your employee-level coverage amount at no additional
costs, copays, and deductibles. cost.
Covers accidents that occur on and Additional An additional full beneit will be paid upon the diagnosis of
off-the-job diagnosis a subsequent condition for which beneits have not been
beneit
previously paid; diagnosis must be separated by six months
Beneits are payable regardless of Reoccurrence If an insured receives the full beneit for a covered
other insurance coverage beneit condition and is later diagnosed with the same condition,
the full beneit will be paid again, as long as the two dates
Coverage is guarantee-issue; no of diagnosis are at least six months apart (12 months
treatment-free for cancer reoccurrence)
medical questions
Inpatient and outpatient treatment Rates do not increase with age
of covered accidents $50 annual health screening beneit for all covered individuals;
Beneits available for spouse and/or covered health screening tests include blood tests for triglycerides,
dependent children (to age 26) breast ultrasounds, cervical cancer screening, chest x-ray,
There is no limit to the number of colonoscopy, EKG, fasting blood glucose test, mammography,
PAP test or PSA, stress test, and more
claims an insured can ile
Premiums are paid by convenient Long Term Care Insurance
payroll deduction
Long term care insurance through Unum provides a beneit
when you or a family member needs care, using a long term
care facility or care at home. For more information, visit
www.myltcguide.com/nisc
Long-Term Care Insurance
Plan 1: long term care facility total 100% or 50% of facility monthly
home care beneit amount
Plan 2: long-term care facility total 100% or 50% of facility monthly
home care simple inlation beneit amount 5%
Monthly beneit amount $1,000 to $9,000 per month
Beneit duration Options for 2, 4, or 6 years
Elimination period 90 accumulated days
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Optional Insurance
Accident Insurance Critical Illness Insurance
Group Accident insurance through Alac Alac’s critical illness coverage pays a lump sum, directly to you for
pays a beneit directly to you to offset the covered conditions. Employees may elect up to $30,000 without
expenses that medical insurance does not any medical questions ($15,000 for spouse). Children are covered
cover, such as lost wages, transportation at 50% of your employee-level coverage amount at no additional
costs, copays, and deductibles. cost.
Covers accidents that occur on and Additional An additional full beneit will be paid upon the diagnosis of
off-the-job diagnosis a subsequent condition for which beneits have not been
beneit
previously paid; diagnosis must be separated by six months
Beneits are payable regardless of Reoccurrence If an insured receives the full beneit for a covered
other insurance coverage beneit condition and is later diagnosed with the same condition,
the full beneit will be paid again, as long as the two dates
Coverage is guarantee-issue; no of diagnosis are at least six months apart (12 months
treatment-free for cancer reoccurrence)
medical questions
Inpatient and outpatient treatment Rates do not increase with age
of covered accidents $50 annual health screening beneit for all covered individuals;
Beneits available for spouse and/or covered health screening tests include blood tests for triglycerides,
dependent children (to age 26) breast ultrasounds, cervical cancer screening, chest x-ray,
There is no limit to the number of colonoscopy, EKG, fasting blood glucose test, mammography,
PAP test or PSA, stress test, and more
claims an insured can ile
Premiums are paid by convenient Long Term Care Insurance
payroll deduction
Long term care insurance through Unum provides a beneit
when you or a family member needs care, using a long term
care facility or care at home. For more information, visit
www.myltcguide.com/nisc
Long-Term Care Insurance
Plan 1: long term care facility total 100% or 50% of facility monthly
home care beneit amount
Plan 2: long-term care facility total 100% or 50% of facility monthly
home care simple inlation beneit amount 5%
Monthly beneit amount $1,000 to $9,000 per month
Beneit duration Options for 2, 4, or 6 years
Elimination period 90 accumulated days
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