Page 5 - 2019 Point Loma Credit Union Benefits Guide

Voluntary Term Life/AD&D Mutual of Omaha Value Added
Services
If you need additional financial protection for your family, you also
have the opportunity to purchase additional Term Life and AD&D When you enroll in one of out Mutual of Omaha benefit plans, you are
insurance. This premium is paid with after-tax dollars through payroll eligible to take advantage of the following value added services.
deductions. Benefits are available to employees and dependents up
to a maximum. Employees must enroll in order to purchase additional Worldwide Travel Assistance
life insurance for dependents.
Experiencing an emergency while traveling can be especially difficult.
Knowing who to call for medical problems, currency exchange issues
Please remember that if you choose to enroll in Voluntary Life and or lost luggage is critical. Take comfort in knowing that Travel Assis-
AD&D insurance after your initial eligibility date, Evidence Of tance travels with your worldwide!
Insurability (EOI) will be required. If you would like additional Minimize travel hassles by calling pre-departure for:
information please refer to Mutual of Omaha’s documents.
• Foreign travel documentation requirements such as passports or
visas
• Travel/health advisories and inoculation requirements for foreign
Long Term Disability (LTD) countries
• Daily foreign currency exchange rates
• Consulate and embassy locations
100% Company Paid — We provide full-time employees with Long- • And much more!
Term Disability coverage through Mutual of Omaha which may replace
a portion of your income in the event that you are disabled due to injury Immediate Assistance with Emergencies while Traveling—While
or illness. Benefits begin after the elimination period. traveling more than 100 miles from home you may access a travel
assistance professional 24/7 by calling the toll-free number for imme-
diate help.

Mutual of Omaha LTD
Medical Assistance
Percentage of Monthly 60% of income • Locating medical providers and referrals
Earnings • Communicating your medical status with family, physicians, em-
ployer, etc.
• Emergency evacuation if adequate medical facilities are not
Maximum Monthly Benefit Employee Salary Over $100,000:Up to available, including payment of covered expenses
$12,000 • Transportation home for further treatment. In the event of death,
Employee Salary Under $100,000:Up to assist in the return of mortal remains.
$6,000 • Transportation arrangements for the visit of family member or
friend, or the return home for dependent children if your hospitali-
zation if more than seven calendar days
Elimination Period 90 days after day of disability
• Assistance with lodging arrangements if convalescence is need-
ed prior to, or after, medical treatment.
Benefit Duration Social Security Normal Retirement Age • Coordination with your health insurance carrier during a medical
emergency
• Assistance obtaining prescription drugs or other necessary medi-
Employee Assistance Program (EAP) cal items

Services are available for business or personal travel 24 hours a day,
Our EAP is offered to all employees and immediate family members. seven days a week. For inquiries within the U.S. call toll free, (800)
This program offers services designed to help employees reduce 856-9947. If you are outside the U.S. call collect, (312) 935-3658.
stress, balance their work and family responsibilities, and improve the
quality of their lives. This plan provides 3 face-to-face sessions and is Will Preparation Service
available toll free 24/7. Willing is a service that provides free, online will preparation services
to employees who have life insurance coverage with Mutual of Oma-
EAP contact information (800) 316-2796 or visit the website. ha. It’s a benefit that helps you invest in the future and protect what’s
important. Willing uses bank-level security to keep your information
www.mutualofomaha.com/eap safe and secure. In just 10 minutes, you can create a personalized
will. The process is easy and it’s free! Here’s how it works:
• Log on to www.willing.com/mutualofomaha
• Answer simple, multiple choice questions on a computer or
smartphone
• Download and print any document instantly
• Update information with any major life change.

Point Loma Credit Union | Benefits Guide | Pg. 4