Page 2 - E. Cohen & Co. Allstate Benefits Flipbook

Welcome to the E. Cohen Allstate Benefits Electronic Flipbook. This e-brochure will
provide you with an initial overview of the Allstate Supplemental Employee Benefits
made available to you through your employer. These benefits are completely voluntary,
and are employee funded through payroll deduction. By enrolling through your
company, you will enjoy greatly reduced group rates, and many benefit premiums
qualify for pre-tax payroll deduction status as part of your company’s Section 125 Plan.
Additionally, E. Cohen will contribute $240/year towards any benefits you choose.

Benefits Offered include:

• Short-Term Disability Insurance (includes Maternity Benefits)
• Term & Whole Life Insurance
• Supplemental Insurance Plans (to help with deductibles, co-pays and out-of-
pocket expenses):
o Hospital indemnity Plan
o Accident Plan
o Cancer Plan
o Critical Illness Plan

Please look through the e-brochure and be sure to contact the Allstate Benefit
Specialist, Andrew Waller, to make any benefit elections during your new hire
enrollment window or during the annual open enrollment period.

All benefits are offered on a simplified issue basis (medical background questions)
without the need for a physical exam. Many benefits are initially offered on a contingent
guaranteed issue basis (only 2 medical questions) which makes qualification relatively
easy. But these relaxed underwriting criteria are only available to you during your
initial eligibility period. If you decline coverage at that time, and later decide that you
would like 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.

If you would like more information, have questions, or would like to enroll, please
contact me and I will gladly go over your options with you.

Sincerely,

Andrew Waller
Allstate Benefits Specialist

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