Page 11 - Rehab Alliance EE Guide 08-20 (NO TRIO)
P. 11

BENEFITS





         Supplemental Benefits

         You may purchase additional insurance from Trustmark that will help to cover additional out-of-pocket expenses. These policies
         offer direct-to-the-policyholder cash payouts to help cover what other insurance doesn’t. The policies available include: Accident,
         Critical Health Events, and Universal Life insurance. Your premiums are paid through payroll deductions on an after-tax basis. These
         Trustmark policies are portable, which means that you can keep them should you change jobs or retire, with no increase in
         premiums.


         Trustmark | Accident Insurance                          Trustmark | Critical Health Events
         Group Accident insurance pays benefits to help you cover the   Critical Health Events insurance can help you protect yourself
         unexpected costs associated with a covered accident. Benefits   and your family from the unexpected cost of fighting a life-
         are flat dollar payments by incident (not based on medical   threatening illness. With this plan, benefits are paid for early
         expenses incurred) that you can use to reimburse you for any   detection as well as for later-stage diagnosis. This plan
         out-of-pocket costs associated with your accident. There is   replenishes your annual coverage amount, allowing you to
         also an annual $50 wellness benefit payable for completing   remain covered for new or reoccurring condition(s).
         certain screenings. You are not required to answer health   Depending on the diagnosis, your benefit payment will be
         questions, and there are no pre-existing condition limitations.   either 100%, 50%, or 10% of your selected benefit amount,
         This plan is available to you, your spouse and dependent   and will not to exceed the annual maximum available under
         children.                                               the plan. There is also an annual $50 wellness benefit payable
                                                                 for completing certain screenings.

                                                                 This plan is available to you, your spouse and dependent
                                                                 children. There is a 12-month pre-existing limitation on this
                                                                 plan, but it is offered guarantee issue during the initial
                                                                 eligibility window. Trustmark requires that you complete a
                                                                 simple health questionnaire if you elect a benefit amount
                                                                 over $20,000.






         Trustmark | Universal Life with Long-Term Care
         Universal Life insurance, offered through Trustmark, provides lifelong protection to your loved ones in case of your death. This plan
         includes a long-term care benefit that is funded through life insurance. Premium rates are determined by your age at time of
         enrollment, so the plan remains affordable vs. term policies that becomes more expensive as you age. This plan is available to you,
         your spouse and dependent children. Guarantee issue is available for employees under the age of 64 up to $50,000. Spouse and
         children applying will be eligible for modified guarantee issue. Trustmark requires that you complete a simple health questionnaire
         if you elect a benefit amount over $50,000.

                             Universal Life                                         Life Events
         Higher payout for older members                       Most affordable option

         Available to employees of all ages                    Available to employees age 64 and younger
         Life insurance benefit does not reduce with age       Higher death benefit during working years when expenses are
                                                               high. At age 70, when financial needs are typically lower, the
                                                               death benefit reduces to one-third of the original amount
         Long-term care benefit does not reduce with age       Long-term care benefit does not reduce with age









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