Page 2 - E. Cohen & Co. Allstate Benefits Flipbook 2021

Welcome to the E. Cohen 2021 Allstate Benefits Electronic Flipbook. This e-brochure will
provide you with an overview of the Allstate Supplemental Employee Benefits made available
to you through your employer. These benefits are completely voluntary, and are partially
employee funded through payroll deduction. E. Cohen provides $240/year ($9.23/pay) to
put towards any Allstate Benefit so there is at least one policy everyone can get for
free (the supplemental Accident Plan 1). By enrolling through your company, you will enjoy

greatly reduced group rates, and many benefit premiums qualify for pre-tax payroll deduction

status as part of your company’s Section 125 Plan.
Benefits Offered Include:
 Short-Term Disability Insurance (includes Maternity Benefits)
 Term to Age 100 Life Insurance
 Supplemental Insurance Plans (to help with deductibles, co-pays, out-of- pocket
expenses and lost income):
o Hospital Indemnity Plan
o Accident Plan (Free individual coverage for all employees)
o Cancer Plan
o Critical Illness Plan

Please look through the e-brochure and be sure to contact me, Andrew Waller, your Allstate
Benefit Specialist, to make any benefit elections during your new hire enrollment window or
during the annual open enrollment period. Simply click or copy this link:

https://AllstateBenefits-1-on-1-Meetings.as.me/

Most benefits are offered on a “Simplified Issue” basis (a few medical background questions)
without the need for a physical exam. Many benefits are initially offered on a "Contingent
Guaranteed Issue" basis (only 1 medical question) which makes qualification highly likely.
Please note that these relaxed underwriting criteria are only available to you during
your initial eligibility period. If you decline coverage at that time, and later decide that you
would like to enroll, you will have to qualify by answering more medical background
questions, the answers to which may determine if you are accepted or declined. So, please
make sure you look at these benefits and take advantage of the relaxed underwriting period if
you are interested.

As always, please feel free to reach out with any questions, requests for customized quotes
or assistance with claims.
Sincerely,

Andrew Waller
Allstate Benefits Specialist

(410) 707-1059
andrew_waller@verizon.net