Page 5 - MWFB Benefit Guide 1
P. 5

Dental Coverage                                                                                                Short Term Disability


                                                   Agents and Staff                                                                                                         Agents Only


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





                                                                                                                                               An injury or illness may keep you from work, but it doesn’t stop your bills.
                                   A bright smile takes more than just brushing and flossing.
                                                                                                                                                              Give your paycheck the protection it deserves.

               Dental insurance is an important tool in protecting your overall health for you and your family. Our dental plan        Approximately every 7 seconds, a working age American suffers a disabling injury or illness that will last at
               not only pays for preventive care but will also help cover the cost of basic dental services. On average, our           least one month. Only one in three has income protection, do you? Short term disability (STD) insurance
               dental insurance products save members 35% off standard rates.                                                          replaces part of your paycheck for up to 9-weeks so you can focus on your recovery and worry less about
                                                                                                                                       your daily expenses.

                  Our in-network and out-of-       Poor oral health has been linked to    Eighty percent of the U.S.                    Top five causes of STD claims:   An injury or illness may stop you  90% of disabilities are caused
                   network benefits are the        diabetes, heart disease and stroke    population has some form of                      pregnancies, injuries, joint    from work, but it doesn’t stop           by illnesses.
                 same, so there is no need to        emphasizing the importance of         periodontal gum disease.                     disorders, digestive disorders,   your bills. Protect your paycheck!
                       change dentists.                   regular dental visits.                                                                  cancer.





                                                      Base Plan [PPO]                  Enhanced Plan [NAP]


                                                $50 individual / $150 Family          $50 Individual / $150 Family
                  Calendar Year Deductible                                                                                              Definition of Disability         Regular Occupation
                                               Waived on Preventive and Diagnostic Services   Waived on Preventive and Diagnostic Services
                                               Applied to Basic and Major services  Applied to Basic and Major services

                  Annual Maximum Benefit          $750 per person per calendar year  $1,000 per person per calendar year                Elimination Period               Continuously disabled for 14 days accident / 14 days sickness

                                                     100% - No Deductible                100% - No Deductible
                  Preventive and Diagnostic     Oral Evaluation-2 per year          Oral Evaluation-2 per year                          Benefit Amount                   60% of gross weekly 1099 earnings to a maximum of $500 per week
                  Services                      Radiographs-Bitewing 1 set per year  Radiographs-Bitewing 1 set per year
                                                Radiographs-Panoramic 1 set per year  Radiographs-Panoramic 1 set per year
                                                Lab & Other Diagnostics             Lab & Other Diagnostics                             Pre-Existing Condition
                                                Prophylaxis (Cleanings)-2 per year  Prophylaxis (Cleanings)-2 per year                  Limitation                       None during GI period, following that subject to underwriting
                                                Fluoride Treatment (under age 19)   Fluoride Treatment (under age 19)
                                               Sealants (under age 16)              Sealants (under age 16)
       DENTAL INSURANCE
                                                                                                                                        Maximum Benefit Duration         11 weeks
                                                      50% - After Deductible             80% - After Deductible
                  Basic Services               Space Maintainers (under age 16)     Space Maintainers (under age 16)
        DENTAL INSURANCE
                                               Restorations [Amalgams or Composite]  Restorations [Amalgams or Composite]
                                               Emergency Treatment/General Services  Emergency Treatment/General Services               Mental & Nervous Limitation      No Limitations
                                               Simple Extractions,                  Simple Extractions,
                                               Periodontics                         Endontic Services (ex. Root Canal)                                                                                                                             SHORT TERM DISABILITY AGENT
                                                                                    Periodontics                                        Drug & Alcohol Limitation        No Limitations

                  Major Services                    Network Discounts Apply              50% - After Deductible
                  (12 month waiting period)                                         Bridges & Dentures
                                                                                    Endodontic Services (eg. Root Canal)
                                                                                    Single Crowns
                                                                                    Complex Extractions






                  Cobra Eligible

                                                                                                                                                                                                                         Short Term
       11 Dental Insurance                                                                                           11          4                                                                                     Disability Agent           4
   1   2   3   4   5   6   7   8