Page 2 - Mom's Flipbook

New Allstate Voluntary Benefits for 2021-2022

As you may or may not know, MOM’s has offered its employees Voluntary Employee
Benefits through Allstate Benefits for several years! This is an e-brochure which
contains electronic brochures for all the voluntary benefit choices available to you.
Voluntary Employee Benefits are employee funded through payroll deduction and are
completely voluntary, and by enrolling through Mom’s, 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.

This year, we are offering all new group plans, which provide better benefits at lower
premiums. Of special importance, these new group plans are available to you on a
“Guaranteed Issue” basis which means anyone can now qualify regardless of
medical history - but only during this initial open enrollment. (See below for more
information)

Available benefits include:

 Short-Term Disability Insurance – This is paycheck protection t(hat’s only for
the Mom’s employee) and it’s the only insurance that will help replace your lost
income if you get sick or injured off-the-job (or pregnant) and you can’t work. Our
Short-Term Disability includes a Family Medical Leave Benefit, and a fixed
Maternity Leave Benefit for Women.

 Term to Age 100 Life Insurance – This is Term Life insurance, but the term is
however many years between your current age, and 100. The rate is locked for
as long as you have the policy. You can get this for yourself, your spouse, and an
optional Term Rider on your children – all on a Guaranteed Issue basis! That
means people with pre-existing medical conditions can still get it!

 Supplemental Insurance Plans – These are benefits designed to help with lost
income, deductibles, co-insurance, co-pays, and other out-of-pocket medical
expenses in the event you are hospitalized, get injured, or experience a critical
illness. Generally, the more serious the covered illness or injury, the larger the
benefit paid to you. And you can do whatever you want with the money, but most
people use it to help cover high deductibles and co-insurance or to help replace
lost income. Mom’s offers the following Supplemental Insurance plans: