Page 4 - MWFB Benefit Guide 1

Long Term Disability Vision Coverage

Agents Only Agents and Staff

Guarantee Issue for Newly Hired Agents Guarantee Issue for Newly Hired Agents and Staff and at Open enrollment

For most people their most valuable asset is not their home, jewelry or cars; rather, it is The major eye diseases are cataract, diabetic retinopathy, glaucoma and age-related
their ability to earn a living. Are you insuring your most valuable asset? macular degeneration. These are often asymptomatic in the early treatable stages.

Long term disability LTD insurance protects your income if you’re injured or become disabled, whether Eye examinations are an important part of health maintenance for everyone. Adults should have their
from a sudden accident or chronic condition. LTD insurance replaces part of your paycheck until you eyes tested to keep their prescriptions current and to check for early signs of eye disease. Eye exams for
return to work or reach your Social Security Normal Retirement Age (SSNRA). children also are very important to insure normal vision development and confirm that children have the
visual acuity and vision skills required for schoolwork and other activities.
Percentage of VSP members
The average group LTD claim 1 in 5 American adults will be This policy is based on your gross 70% of Adults experience eye Eye exams can help spot high who had the following detected
lasts 2.6 years. That translates disabled for one year or more 1099 income into your agency; strain due to increased use of blood pressure, diabetes, high during their eye exam: 30%
to no paycheck for 135 weeks! during their working years. whether you are a corporation, electronic devices such as tablets, cholesterol, and even brain Hypertension, 65% high
LLC or sole proprietorship. laptops and mobile devices. tumors.
cholesterol, 20% diabetes.

VSP CHOICE DAVIS
Definition of Disability Own Occupation
Large 100% private practice network Mixed model network with private
with many provider options in a variety practice providers as well as retailers
Network Description of settings; providers available in most like Wal-Mart, Sam’s Club, Target,
Earnings Loss Requirement 1% loss of earnings, paid at 60% of gross monthly 1099 income rural communities Sears, Pearle, JC Penney
and Benefit Amount
In Network Copays Exam $10, Materials $25 Exam $10, Materials $25
Eye Exam-Once per year Eye Exam-Once per year
Maximum Benefit Amount Up to $15,000 per month Lenses Benefit-once per year Lenses Benefit-once per year
Benefit Frequency Contact Lenses-Once per year Contact Lenses-Once per year
LONG TERM DISABILITY AGENT
Frames-once every 2 years Frames-once every 2 years
If you are earning between 1% and 99% of your pre-disability earnings
Return to Work Provision during the 1st year of your disability, you will receive 100% of your In Network Out-Of-Network
indexed pre-disability income, not to exceed $15,000. Reimbursement Schedule In Network Out-Of-Network (copay) (after copay)
(after copay)
(copay)
Eye Exam Benefit 100% $39 max 100% $50
Elimination Period 90 Days Lenses Benefit
Single Vision 100% $23 100% $48
Bifocal 100% $37 100% $67
Pre-Existing Condition 3 months prior/ 12 months after Trifocal 100% $49 100% $86
$126
Limitation Lenticular 100% $64 100%
Optional Lens Options 20%-25% discount no discount 20%-60% discount no discount
Mental & Nervous Limitation Frames Benefit $130 Retail Max $46 $130 Retail Max $48
Drug & Alcohol Limitation 1 Year +20% off balance +20% off balance

Contact Lens Benefit
Medically Necessary 100% $210 100% $210
Lump Sum Survivor Benefit Paid up to three times of last gross monthly benefit payment Elective $130 $100 $130 max $100 VISION INSURANCE

Fitting/Evaluation Fees 15% discount no discount 15% discount no discount
Maximum Benefit Duration If disabled before age 60, to your SSNRA. If disabled at age 60 or
older see the maximum payment duration on the back page.
Cobra Eligible
Includes FREE Employee Assistance Program-visit our website to learn more at www.aafbcbenefits.com.

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