Page 19 - 2018 Insurance Book

ILFI Trust

Basic Life and AD&D:
• Option 1: Flat $25,000
• Option 2: 2 Times Earnings with a $250,000 maximum
* Life Rate- $.17/$1000 / AD&D- .$.02/$1000

STD (Employer or Employee Paid):
• Option 1: 60% Benefit Percentage, 1st Day Injury & 8th Day Sickness Benefit, $750 Weekly
Maximum and 13 Week Benefit Duration
• Option 2: 60% Benefit Percentage, 1st Day Injury & 8th Day Sickness Benefit, $750 Weekly
Maximum and 26 Week Benefit Duration
* STD Rate Option 1- $.70/$10 Weekly Benefit
* STD Rate Option 2- $.79/$10 Weekly Benefit

LTD (Employer or Employee Paid):
• Option 1: 50% Benefit Percentage with a $5,000 Maximum and Two Year Own Occupation Definition of
Disability and 3 Month Survivor Benefit- 90 Day Elimination Period
• Option 2: 50% Benefit Percentage with a $5,000 Maximum and Two Year Own Occupation Definition of
Disability and 3 Month Survivor Benefit- 180 Day Elimination Period
• Option 3: 60% Benefit Percentage with a $10,000 Maximum and Two Year Own Occupation Definition of
Disability and 3 Month Survivor Benefit- 90 Day Elimination Period
• Option 4: 60% Benefit Percentage with a $10,000 Maximum and Two Year Own Occupation Definition of
Disability and 3 Month Survivor Benefit- 180 Day Elimination Period
* LTD Plan Option 1- $.19/$100 Covered Monthly Payroll
* LTD Plan Option 2- $.15/$100 Covered Monthly Payroll
* LTD Plan Option 3- $.24/$100 Covered Monthly Payroll
* LTD Plan Option 4- $.19/$100 Covered Monthly Payroll

Voluntary Life and AD&D:
• Employee: 25,000 increments to a maximum of $400,000. Guaranteed Issue amount is $200,000
• Spouse: Flat $10,000 or $20,000 / Child: Flat $5,000 or $10,000
*An employee who is currently enrolled in the Voluntary Life/AD&D may increase their current coverage by one Life & Disability Partner
$25,000 increment at annual enrollment (up to the Guaranteed Issue amount) without going through medical
underwriting.
Voluntary Life: Employee and Spouse age range per $1000
Under 19 $0.050
20-24 $0.042
25-29 $0.050
30-34 $0.063
35-39 $0.085
40-44 $0.126
45-49 $0.194
50-54 $0.307
55-59 $0.485
60-64 $0.586
65-69 $0.854
70-74 $1.791
75-79 $3.991
80-84 $6.384
85+ $9.228

Dep Child(ren) rates per $1000
$.10

Voluntary AD&D rates:
· Employee Only: $0.024 per $1,000 of employee coverage / Family Plan : $0.033 per $1,000 of Coverage
· If employee and spouse both are employed, both may elect coverage.; however only one may elect the Family Plan

Retired Life rates: $2.94 per $1,000
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