A Call Group Health
Resume:
BENEFITS
GUIDE
PG *
For more information regarding the benefits,
please see the Summary Plan Descriptions (SPDs)
located on the Ferrellgas Intranet, The Point.
Enrollment Reminders
Important Information for 2025
Welcome to Ferrellgas! As a newly hired employee, you have 30 days from your hire date to enroll in benefits. Your benefits will be effective first of the month following your date of hire.
If you will be adding a dependent/beneficiary(spouse, child, etc.), please have the dependent’s name, date of birth, and Social Security number ready. If you will be adding a dependent child or spouse to your medical, dental, vision or supplemental life plans, you will be asked to submit verification to the Benefits department. For children, you may upload their birth certificate, adoption paperwork or court order. For spouse, please upload your marriage certificate. You can upload this documentation in Employee Self Service under the Document Upload section. You can also scan and email this information to ********@**********.*** or fax it to 816-***-****.
• Eligible Dependents include Legally Married Spouse, Biological Child, Adopted Child, Stepchild, State Certified Common Law Spouse.
• Non-Eligible Dependents include Domestic Partners, Ex-Spouses, Parents, Significant Others, Children over the age of 26 who are not disabled.
The selections made during new hire enrollment will be your elections for the entire 2025 calendar year, unless you have an IRS qualifying life event that is listed on page 18. You have 30 days to notify and provide proof to the Benefits Department of your qualifying life event in order to make benefit changes.
Working Spouse Policy
If your spouse is eligible for group health insurance through their employer, then they will not be eligible to obtain medical coverage under the Ferrellgas self-funded group health plan.
If you enroll your spouse in medical coverage you will be required to complete a spouse audit through BMI Audit Services. You will receive paperwork in the mail from BMI within 30 days of your enrollment. If you fail to complete the audit your spouse will be removed. Here’s where to find...
• How to enroll 4
• Health plans at a glance 5
• About our health plans 6
• Working Spouse Policy 7
• Preferred Lab Work Program 8
• Wellness Credit 8
• Pharmacy Benefits 9
• TELADOC 10
• Health Savings Account (HSA) 11
• Flexible Spending Accounts (FSA) 12
• Dental 13
• Vision 14
• FMLASource 15
• Disability Insurance 16
• Life Insurance 17
• Accidental Death and Dismemberment (AD&D) 18
• Accident Insurance 19
• Critical Illness 20
• Employee Stock Ownership Plan (ESOP) 21
• 401(k) Investment Plan 22
• PTO 23
• Employee Referrals 23
• Tuition Reimbursement 23
• Employee Assistance Program (EAP) 23
• Parental Leave Benefit 23
• Medicare Employee Assistance 23
• One Pass 24
• Maternity Management 24
• Diabetes Management 24
• Real Appeal 25
• Qualifying Life Events 26
• Frequently Asked Questions 27
• Final Reminders 28 PG 3
How to Enroll — To Log Into Employee Self Service, Just Follow These Steps: To Log In From Home (Or At A Non-Work Computer):
1. Go online to FerrellgasThePoint.com.
2. You will now see the Microsoft Office 365 Intranet sign-in page. Click on the Work or school account
(if you do not see the email and password login boxes). 3. Enter your username, which is your Ferrellgas email address, all lowercase. If you do not have a Ferrellgas email address, type your first and last name, all lowercase, together as one word, with @ferrellgas.com added to the end of your name. Example: *********@**********.***.. 4. Enter your password. This is your network password used to log into your computer. You still need to verify using multi-factor authentication. Once logged in, The Point home page will appear. If you need help with your password, please contact the Help Desk at 816-***-****. 5. Click on Employee Self Service under Important Links (right side of the home page). To Log In From A Work Computer:
• Go to The Point and Click on Employee Self Service under Important Links (right side of the home page). To Log In From A Handheld Device (CT40) (ET45):
1. From the Mobile Device home screen, tap the SOTI Surf App icon to open the web browser. 2. From the home page, tap on the Employee Self Service icon (abbreviated ESS). 3. Enter your Ferrellgas USER ID and single sign on password, then click sign in. 4. Users will be prompted to enter a number in their Authenticator app on their phone or will receive a text confirmation on their phone to enter into the mobile device. Log In To PeopleSoft Employee Self Service:
1. Log in using your network User ID and Password (this is the same login information you use for Salesforce). Your User ID is usually your first and last name, in all capital letters, together as one word. Example: JOHNSMITH. Your password is the same one used to log into The Point (or to log into your computer). Enrollment information is employee-specific and password-protected. You still need to verify using multi-factor authentication.
2. Navigate to the enrollment screen.
a. Click on the Benefits tile in Employee Self Service, then click on Benefits Enrollment on the left-hand side. b. This will take you to the enrollment screen.
c. You will see a box titled Your Benefit Events (New Hire, etc.). Click the Start button to begin making your elections.
3. Make benefit elections.
a. Click on each tile to make changes to that benefit option. When you have finished making all of your elections, hit the Submit Enrollment button at the top right of the screen. You may review your elections by going to the Benefits Summary page.
b. It is highly recommended that you print and save your Benefits Summary as confirmation of your elections. Questions?
Contact the Benefits Department:
800-***-**** opt. 1
********@**********.***.
Having trouble logging in?
Contact the Help Desk:
********@**********.***
Ext. 37900 or 816-***-****
PG 4
Health Plans At A Glance
PPO Plan High Deductible Health Plan (with optional HSA) Premiums
Employee Only
Employee + Child(ren)
Employee + Spouse
Family
Deductible Amounts (In-Network)
Employee Only $1,200 $2,000
Employee + Child(ren) $2,400 $4,000
Employee + Spouse $2,400 $4,000
Family $3,600 $6,000
Out-of-Pocket Max (In-Network)
Employee Only $8,000 $8,000
Employee + Child(ren) $16,000 ($8,000 per person) $16,000 ($8,000 per person) Employee + Spouse $16,000 ($8,000 per person) $16,000 ($8,000 per person) Family $16,000 ($8,000 per person) $16,000 ($8,000 per person) Benefit Levels/Copays (In-Network)
Physician Office Visit (non-preventive) $25 Copay Deductible + Coinsurance Specialist Office Visit (non-preventive) $25 Copay Deductible + Coinsurance Physical Therapy $25 Copay Deductible + Coinsurance Urgent Care $30 Copay Deductible + Coinsurance
Emergency Room $500 Copay + Deductible + Coinsurance Deductible + Coinsurance Lab & X-Ray Deductible + Coinsurance Deductible + Coinsurance Hospital (Inpatient & Outpatient) Deductible + Coinsurance Deductible + Coinsurance Preventive Care
Well Child Care 100% 100%
Adult Annual Physicals 100% 100%
TELADOC $0 Copay $95-$235 office visit
Coinsurance (In-Network)
Ferrellgas Pays 80% after deductible 80% after deductible You Pay 20% after deductible 20% after deductible
Pharmacy
Retail (30-day supply)
*Generic $10 Deductible + Coinsurance
*Brand $45 Deductible + Coinsurance
*Non-Formulary Brand $100 Deductible + Coinsurance Specialty 20% after deductible Deductible + Coinsurance Mail Order (90-day supply)
Generic $25 Deductible + Coinsurance
Brand $100 Deductible + Coinsurance
*Non-Formulary Brand $200 Deductible + Coinsurance CRX International Voluntary Mail Order $0 (eligible medications) $0 (eligible medications) Note: This is a partial list of services. A detailed list of covered and non-covered services can be found in the Summary Plan Description (SPD), which is located on The Point in the Benefits section. You can also contact UMR and MedImpact with questions regarding covered and non-covered services. Child eligibility: Up to the last day of the month in which the child turns 26 years of age. In-network benefits presented above. Out-of-network benefits are on average 25% higher. Our Health Plan is administered through UMR, an affiliate of United HealthCare. The network is ChoicePlus. Pharmacy benefits are administered through MedImpact.
PG 5
Bi-Weekly Weekly Bi-Weekly Weekly
$73.85 $36.92 $46.15 $23.08
$161.54 $80.77 $103.85 $51.92
$207.69 $103.85 $124.62 $62.31
$230.77 $115.38 $180 $90
About Our Health Plans
Ferrellgas offers two medical health plan options provided by UMR. The first is a Preferred Provider Organization Plan (PPO) and the second is a High Deductible Health Plan (HDHP) with an optional Health Savings Account (HSA). Both plans provide access to the same provider network and network discounts.
Should I Consider A High Deductible Health Plan (HDHP)? Save money on premiums. The amount you would pay for medical insurance is less expensive for the HDHP than it would be for the PPO plan. This is money you could save in your HSA account for unexpected expenses.
Ability to manage your own care costs. HDHPs were conceived to encourage consumers to shop around for health care. Preventive care is covered at no cost. Preventive care is covered at no cost under the Affordable Care Act (ACA), meaning services such as an annual physical, well-woman exam, or well-child exam should not cost you any money.
Health Savings Account (HSA). With a High Deductible Health Plan
(HDHP), you are eligible for a Health Savings Account (HSA). Because the money in your HSA isn’t taxed like your normal income, it serves a dual purpose: helping you set aside money to cover healthcare costs and reducing your tax burden. More information about HSAs is on page 13.
Health Plan Basics:
What are premiums? Premium costs are deducted automatically from your paycheck to pay for your healthcare benefit. HDHP premiums are less expensive than PPO plans.
What is a copay? Copays will only apply to the Ferrellgas PPO plan. It is a set dollar amount you pay each time you receive a covered service. You commonly have a copay for doctors’ office visits, urgent care visits, etc.
What is a deductible? The deductible is the amount you must pay out of pocket, excluding copays, before Ferrellgas starts paying any benefits. For example, the PPO plan deductible is $1,200 for employee-only coverage, which means you must pay $1,200 before Ferrellgas pays a benefit.
What is coinsurance? After you have met your deductible, Ferrellgas will share the cost of your medical expenses with you by paying for 80% of your expenses. You will be responsible for 20% of your expenses until you reach the out-of-pocket maximum. If you see providers who are out of network, your coinsurance will be at a higher percentage.
What is an out-of-pocket maximum? The out-of-pocket maximum is the most you pay during a policy period (a calendar year) before your health insurance plan starts to pay 100% for covered health benefits. This limit will include deductibles, coinsurance, copays, and pharmacy charges. This limit does not count premiums, balance billing amounts for non-network providers and other out-of-network cost-sharing, or spending for non-covered health benefits.
PG 6
More Information:
UMR Member Services:
umr.com
Working Spouse Policy
Ferrellgas has a working spouse policy in effect for our medical plan. This means, if your spouse is eligible for group health insurance through his or her employer, then he or she will not be eligible to obtain medical coverage under Ferrellgas self-funded group health plan.
What this means for you:
• You will be asked to complete a form to confirm your spouse’s eligibility for coverage under our plan.
• If your spouse currently has other healthcare coverage options, they will need to enroll in that coverage.
• If your spouse does not have other healthcare coverage options, they will remain eligible for coverage under our plan.
What you need to do:
• Ferrellgas has partnered with BMI Audit Services to verify the eligibility of spouses on the medical plan. Your participation in this audit is required if you intend to enroll in spouse medical coverage.
• You will receive information and step by step directions from BMI Audit Services with directions on how to verify your spouse.
If your spouse was not previously covered under the Ferrellgas medical plan but will be in the future either through Open Enrollment or a Qualifying Life Event, you will be contacted by BMI services after enrolling. If you do not verify your spouse they will be removed from medical coverage.
PG 7
More Information:
BMI Audit Services can be reached at:
www.bmiverify.com
Preferred Lab Work Program
With the Preferred Lab benefit, you can visit any outpatient facility designated as a Preferred Lab. These facilities meet higher quality standards and help reduce your total cost of care. You may even receive services at no cost — depending on your plan benefits. PG 8
More Information:
UMR Member Services:
umr.com
Wellness Credit
2025 Wellness Credit
To receive the credit in calendar year 2025, you must:
• Elect the Wellness Credit during Open Enrollment.
• Participate in a UMR medical plan offered by Ferrellgas.
• Agree to wear your seatbelt at all times.
• Be a non-tobacco user for full credit. Tobacco users may receive a partial credit.
• New hires may elect the calendar year 2025 credit through September 30, 2025.
2025 Wellness Credit Bi-Weekly Weekly
Full Credit $23.08 $11.54
Partial Credit $13.85 $6.92
2026 Wellness Program
We will be transitioning to a Wellness Program through Navigate. Through this program you will gain points by achieving wellness goals and initiatives that can then apply to a premium reduction. To receive the premium reduction in calendar year 2026, you must:
• Participate in the wellness program through Navigate.
• Participate in a UMR medical plan offered by Ferrellgas.
• Gain the required points to receive a premium reduction. To gain points towards the 2026 benefit, you may start participating in the Navigate platform effective March 1, 2025. You can gain points throughout 2025 to receive a premium reduction in 2026. Full details regarding the Navigate program and benefits will be announced March 1, 2025.
Labs Currently included in the Lab Network(PLN):
AmeriPath/DermPath, GeneDx, BioReference, Invitae, LabCorp & Subsidiaries, Mayo Clinic Laboratories,
Millennium Health, Quest Diagnostics
For more Information
• Visit: https://go.umr.com/Ferrell
• Check the box marked “Preferred Labs” to refine search.
• Choose a facility with the “Preferred Lab” icon to help eliminate your out-of-pocket costs. You can also find a lab by calling the member phone number on your health plan ID card.
*Deductible and coinsurance will apply when using a non-preferred lab. New!
Pharmacy Benefits
MedImpact administers our pharmacy benefits for both the PPO and HDHP plans. These benefits will be included on your medical card through UMR.
• MedImpact has 60,000 pharmacies nationwide.
• Manage your benefits easily through the MedImpact app available through the App Store and Google Play.
• Customer Service is available 24/7/365 days a year: 844-***-**** PG 9
CRX International Voluntary Pharmacy Mail Order Program Ferrellgas has a voluntary mail order prescription drug program available to members enrolled in a medical plan. This program offers FREE mail order prescriptions on certain eligible oral medications. This program benefits employees on both the PPO and HDHP. This program will provide significant cost savings to you and your family. Before ordering through CRX International, you or your doctor must attest that you have been taking your prescribed medication for at least 30 days. This is to ensure you have not experienced any complications with the medication. Please contact the Benefits department at 800-***-**** or ********@**********.*** with questions. WebID is: EHIM PPO formulary
HDHP formulary
Scan here go to
the CRX website
More Information:
CRX International:
877-***-**** for your plan’s WebID
crxintl.com
More Information:
MedImpact:
medimpact.com/members
5
Specialty
care
Mental
healthcare
Preventive
care
Chronic
care
Acute
care
TELADOC
Ferrellgas offers TELADOC to all employees enrolled in a medical plan. This allows access to medical, mental health, and dermatology care all through an easy-to-use app, website, or phone call. General Medical
For Adults and Children:
Get care 24/7 for non-emergency conditions
like cold & flu, sinus infections, allergies,
and more.
Mental Health
Schedule a visit with a therapist or psychiatrist, seven days a week, for challenges like depression, anxiety, stress, not feeling like yourself, and many others. Includes adolescent mental health.
Dermatology
Upload photos of your skin condition online or on
the app and a dermatologist will send a custom
treatment plan within two days or less. Treatment
includes acne, eczema, psoriasis, and more.
PG 10
More Information:
TELADOC:
1-800-TELADOC (835-2362)
TELADOC.com
Coverage Deductible
Adult PCP (Primary 360) $25 copay
General Medical Visit $0 copay
Dermatology $0 copay
Mental Health $0 copay
PPO plan
Coverage Fee
General Medical Visit Deductible then, $54
Mental Health licensed therapist visit Deductible then, $95 Mental Health initial visit with a psychiatrist Deductible then, $235 Mental Health ongoing visits with a psychiatrist Deductible then, $105 Dermatology Visit Deductible then, $85
HDHP
Primary360
TELADOC offers primary care through their easy-to-use website and app. Available in all 50 states with direct care provided in 13+ languages. Members can see a physician in less than 5 days and can continue to see the same primary care physician to build a trusted relationship.
Learn how to register and use TELADOC:
• How to register for TELADOC: vimeo.com/622384924
• TELADOC Member Journey: vimeo.com/225434209
• Learn more on The Point
Health Savings Account (HSA)
What is an HSA? An HSA can be elected when enrolled in a HDHP (medical plan). The HSA allows you to use pre-tax dollars from your paycheck for healthcare expenses such as medical, prescription drugs, dental, and vision. You may also use these dollars for any unreimbursed eligible medical expense for your spouse or your eligible dependents (whom you claim as dependents on your taxes).
The money saved in your HSA belongs to you and rolls over from one year to the next to pay for qualified medical expenses even during retirement. The funds never expire like a Flexible Spending Account (FSA). Your annual election will be split out over the year and deducted equally each pay period. You will receive a healthcare payment card from HSA Bank to use for your expenses. Simply swipe the card, just like a credit card, and the amount is automatically deducted from your HSA. Funds must be available in the account to use the card, just like a bank account. You need to keep your receipts should you be audited by the IRS.
The annual maximum contribution to an HSA plan is as follows:
• Employee: $4,300
• Employee + 1 or more: $8,550
• If 55 years of age or older you can contribute an additional
$1,000 over the maximum amount per year
HSA elections must be made each year. Previous elections will not roll over year-after-year.
More Information:
HSA Bank:
hsabank.com
PG 11
HSA balances can be viewed on the HSA
app/website or via the UMR website.
Flexible Spending Accounts (FSAs)
Flexible Spending Accounts (FSAs) save you money by reducing your income taxes. The amount you designate for the year is deducted from your paycheck in equal installments each pay period on a pre-tax basis and placed in a spending account administered by UMR. FSAs differ from HSAs in that they are “use it or lose it.” If you are currently participating in the FSA during the 2024 plan year, you will have until May 31, 2025, to submit claims for reimbursement for expenses incurred through March 15, 2025. If you choose to participate in the FSA during the 2025 plan year, you will have until May 31, 2026, to submit claims for reimbursement for expenses incurred through March 15, 2026. Healthcare FSA – The FSA card can be used as you incur medical expenses that are not fully covered by your insurance. The card can be used like a credit card, simply swipe the card and the amount is automatically deducted. Retain receipts, as you may be asked for verification of purchases. Healthcare FSAs may be used for your spouse’s or your eligible dependents’ expenses as well if you claim those dependents on your taxes. Limited Healthcare FSA – Offers individuals enrolled in a Health Savings Account the opportunity to pay qualified dental and vision expenses through the FSA on a pre-tax basis. Dependent Care FSA – Offers you the opportunity to pay dependent day care expenses on a pre-tax basis for children under the age of 13 or day care expenses for disabled children. You may also use Dependent Care FSA for elder care if you claim that person as a dependent on your taxes.
If you are married filing separate tax returns, you are limited to $2,500 annually. FSA elections must be made each year. Previous elections will not roll over year-after-year. Did you know? You do not need to be enrolled in a Ferrellgas medical plan in order to participate in the FSA.
Healthcare FSA: Annual maximum is $3,200.
Dependent Care FSA: Annual maximum is $5,000.
PG 12
More Information:
UMR Member Services:
umr.com
Dental
More Information:
UMR Member Services:
umr.com
PG 13
UMR administers the Ferrellgas Dental plan. With this plan, you can go to any dentist! Your dental benefits will be linked to your UMR ID card. Benefit Levels
Preventive (Class 1) 100% Covered
Basic (Class 2) 80% Covered
Major (Class 3) 50% Covered
Covers dental implants up to $1,500 annual Maximum. Annual Deductible
Employee Only $50 (does not apply to Preventive care) Employee + 1 or more $50 per family member
Annual Maximum Benefit $1,500 per person
Adolescent Orthodontia (Class 4) up to age 18 50% up to a lifetime maximum of $1,500 Preventive care, which includes teeth cleanings, oral exams, X-rays, and fluoride treatments, do not count toward your annual maximum benefit.
There is a $50 calendar year deductible that applies to basic care, major care, and orthodontia. A $1,500 calendar year maximum that applies to basic and major care. There is a
$1,500 lifetime maximum that applies to orthodontia. Child eligibility: Up to the last day of the month in which the child turns 26 years of age. Child orthodontia eligibility: Up to age 18.
Employee Rates Bi-Weekly Weekly
Employee Only $12.46 $6.23
Employee + Child(ren) $22.62 $11.31
Employee + Spouse $22.62 $11.31
Family $33.69 $16.85
Vision
More Information:
VSP
vsp.com
Employee Rates Bi-Weekly Weekly
Employee Only $3.71 $1.86
Employee + Child(ren) $6.30 $3.15
Employee + Spouse $5.89 $2.95
Family $9.65 $4.83
Benefit Copay Frequency
Exam $10 Every calendar year
Lenses
(single, lined bifocal,
and lined trifocal)
$15 Every calendar year
Frames Included in prescription
glasses copay
($150 allowance)
Every other calendar year
Contacts
(instead of glasses)
Up to $60 copay
($150 allowance)
Every calendar year
Child eligibility: Up to the last day of the month in which the child turns 26 years of age. PG 14
The Ferrellgas Vision Plan is administered through VSP direct. Employees also have access to an additional 800 stores including Costco Optical, EyeMasters, Visionworks, Dr. Bizer’s Vision-World, Eye DRx, Hour Eyes, and more. Vision information is included on the back of your UMR ID card.
If you visit an out-of-network doctor, you pay the provider the full cost of your exam and materials and then submit the bill to VSP for reimbursement. A claim form is available on the VSP website at VSP.com, which provides instructions for submission. In-Network Copays:
FMLASource®
FMLASource is our leave administrator. Any claims for disability or life insurance will be paid through Aflac. All Leave of absence will be managed by FMLASource.
Step #1
Contact FMLASource® online or by phone to notify your manager of your need for a leave of absence and/or short term disability claim:
• Website: FMLASource.com
• Business hours: Monday through Friday, 7:30 a.m. - 9:30 p.m. CST Any updates to medical conditions or dates must be communicated to FMLASource. Intermittent leave needs to be communicated to FMLASource. Failure to update FMLASource could result in unprotected leave of absence or termination Step #2
Receive the Medical Certification Form, found in your FMLA Notification Packet sent by FMLASource®, or download from fmlasource.com.
• The FMLA Medical Certification Form is time-sensitive material. Be certain to check for the certification due date on the initial request letter found in your FMLA Notification Packet.
Step #3
Take the blank Medical Certification Form to either your own or your family member’s health care provider.
• If your leave is not for medical reasons due to a Qualifying Exigency, please follow the instructions provided by the FMLASource® Specialist and/or your FMLA Notification Packet.
Step #4
Ensure that FMLASource® received the completed Medical Certification Form prior to the certification due date. It is your responsibility to ensure paperwork gets returned in a timely fashion. If there are delays completing your forms, be sure to contact FMLASource® prior to your certification due date: The health care provider must return the completed Medical Certification Form to FMLASource® by either fax or email. You may return the completed form by mailing the original completed Medical Certification Form.
• Fax: 877-***-****
• Email: **********@**********.***
• Address: FMLASource®, NBC Tower – 13th Floor, 455 N. Cityfront Plaza Drive, Chicago, IL 60611-5322 Step #5
Receive and review the FMLA Decision Letter from FMLASource®. Please note the decisions are based on the certification completed by the health care provider. If you applied for short-term disability, you will work directly with Aflac to receive any applicable disability payments. They will also require medical certification be provided. PG 15
More Information:
Customer Service:
FMLASource.com
Disability Insurance
Short-Term Disability (STD)
Ferrellgas provides all eligible full-time employees a Short-Term Disability base coverage benefit through Aflac of 50% of weekly salary, up to a weekly maximum of $875, at no cost to you. You may purchase additional Short-Term Disability coverage to cover 60% of your weekly salary, up to a weekly maximum of $2,000. The Short-Term Disability plan starts paying benefits after a 14-day waiting period and provides benefits for up to 24 weeks, following the 14-day waiting period.
Please note: if you do not enroll in the buy-up plan when first becoming eligible for coverage, you will be considered a late applicant and subject to the pre-existing limitation.
Long-Term Disability (LTD)
Ferrellgas provides all eligible full-time employees a Long-Term Disability base coverage benefit through Aflac of 50% of monthly salary, up to a monthly maximum of $3,750, at no cost to you. You may purchase additional Long-Term Disability coverage to cover 60% of your monthly salary up to a monthly maximum of $8,500. The Long-Term Disability plan starts paying benefits after a 180- day waiting period and provides benefits through Social Security retirement age if you are permanently disabled. Please note, length of benefit period will be limited upon reaching age 61. Please refer to the plan document for additional details.
Long-Term Disability coverage will begin after the Short-Term Disability period has expired (26 weeks). After the waiting period, if you are unable to return to work due to your health condition, you may be eligible for Long-Term Disability benefits. While disabled, you must continue to meet the requirements of the plan, which include continued care by a physician and meeting total disability requirements defined by the plan. These benefits will continue until the date you cease to be totally disabled, or until age 65 or later, based on your age when disabled. Please note, if you do not enroll in the buy-up plan when first becoming eligible for coverage, you will be considered a late applicant and subject to the pre-existing limitation. What is Disability Insurance?
Disability insurance pays a portion of your income if you can’t work for an extended period because of a non-work related illness or injury. It is a way for you to help pay your bills and maintain your lifestyle. Disability insurance can also help replace a portion of your income while on maternity leave.
What can Disability Insurance do for me?
Disability insurance is important because most people don’t have the emergency savings needed to keep them afloat for even a short period without a paycheck. While most people typically insure their lives and other assets like homes or automobiles, many overlook the need to protect one of their most valuable assets – their ability to work and earn a living.
What does Elimination Period mean?
Elimination Period means a period of continuous disability that must be satisfied before you are eligible to receive benefits from this plan. Essentially, an elimination period is an unpayable portion at the beginning of a disability that must be satisfied before benefits are payable. In the example below, if a plan has a 14 day elimination period, and a claim is approved
Contact this candidate