Page 2 - MOCO

Congratulations! MOCO Movement Center offers Voluntary Employee Benefits through
Allstate Benefits! This packet contains brochures for all the voluntary benefit choices
available to you. Most of these voluntary benefits are employee funded through payroll
deduction and are completely voluntary. Your employer pays for the Accident Plan for
you! By enrolling through your company, you get greatly reduced “group rates”, pre-tax
payroll deduction status for many of the benefits (which saves you an additional 25-
30%) and the convenience of having the premiums come right out of your paycheck.
Once you get them, they are yours, and you can keep them - at the same rates - for as
long as you like, even if you retire or change employers.

Available benefits include:

• Short-Term Disability Insurance – Paycheck Protection if you get sick or
injured and cannot work (includes Maternity Leave Benefits for Women)
• Term & Whole Life Insurance for yourself, your spouse, and your children
• Supplemental Insurance Plans (to help with lost income, deductibles, co-pays,
and out-of-pocket medical expenses):
o Hospital indemnity Plan
o Accident Plan
o Cancer Plan
o Critical Illness Plan

Please note that many benefits are initially offered on what is called a “Contingent
Guaranteed Issue” basis (only 2 medical questions) which makes qualification relatively
easy for almost everyone. But these relaxed qualification criteria are only available
to you during your initial eligibility period. If you decline coverage at that time, and
later decide you want to enroll, you will have to qualify by answering more extensive
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 – especially if you currently have any
medical conditions.

Please look through the brochures and feel free to reach out to me if you would like to
go over the benefits, have any questions or want to sign-up.
Sincerely,

Andrew Waller
Allstate Benefits Specialist

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