Page 2 - E. Cohen & Co. Allstate Benefits Flipbook 2020

Welcome to the E. Cohen 2020 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 employee funded through payroll deduction. E. Cohen does
provide $240/year to put towards any Allstate Benefit. 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 & Whole Life Insurance
• Supplemental Insurance Plans (to help with deductibles, co-pays and out-of-
pocket expenses):
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.

Most benefits are offered on a Simplified Issue basis (medical background questions)
without the need for a physical exam. Many benefits are initially offered on a
"Contingent Guaranteed Issue" basis (only 2 medical questions) 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 will 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.
If you would like more information, have questions, or would like to enroll, please
contact me and I will gladly go over your options with you.

Sincerely,

Andrew Waller
Allstate Benefits Specialist

andrew_waller@verizon.net
Phone: (410) 707-1059