American United Life Insurance Company P.O. Box 368, Indianapolis, Indiana

To be eligible for participation in Kootenai Health’s Employee Benefits Programs (Insurance and Retirement), an employee must be scheduled to work full-time (72+ hours per pay

No insurance coverage shall exist or become effective until approved in writing by American United Life Insurance Company® (AUL) at its Indianapolis, Indiana home office.

If an employee was covered under the prior group long term disability insurance plan maintained by you prior to this Policy's Effective Date, but was not Actively at Work due to

If an employee was covered under the prior group long term disability insurance plan maintained by you prior to this Policy's Effective Date, but was not Actively

Guaranteed Non-Guaranteed Midpoint Assumptions Non-Guaranteed Illustrated Basis End of Policy Year Contract Premium Cash Value Accumulation Fund Cash Surrender Value Death Benefit

Guaranteed Non-Guaranteed Midpoint Assumptions Non-Guaranteed Illustrated Basis End of Policy Year Contract Premium Cash Value Accumulation Fund Cash Surrender Value Death Benefit

Guaranteed Non-Guaranteed Midpoint Assumptions Non-Guaranteed Illustrated Basis End of Policy Year Contract Premium Accumulated Value Cash Surrender Value Death Benefit / LTC

LTC Monthly Benefit: The amount payment will be based upon is the amount of actual expenses incurred for qualifying long-term care expenses up to the LTC Monthly Benefit..