NPELRA National Life and Disability Consortium
Coverage You Can Rely On
specialized benefit options for public employees
A benefit available to NPELRA members through Gallagher Benefit Services and Reliance Standard.
Financial savings and increased value for NPELRA members.
NPELRA is the premier organization for public-sector labor relations and human
resources professionals. The governmental agencies represented in NPELRA employ more than four million workers in federal, state and local government, schools and special districts.
NPELRA has partnered with Gallagher Benefit Services, one of the largest commercial insurance and risk management companies in the world, to offer the NPELRA National Life and Disability Consortium.
Reliance Standard Life Insurance Company is pleased to make its products and services
For employer members
• Competitive pricing on plans for NPELRA members and their organizations.
• Benefits will take into account specialized accumulated sick pay programs, collective bargaining agreements and existing plan designs.
- Group Disability and Leave Management – Short Term Disability (STD) and Long Term Disability (LTD), including Voluntary STD and Voluntary LTD plans.
- Group Life – Basic Life, Supplemental Life, Dependent Life, and Accidental Death and Dismemberment (AD&D), including Voluntary plans.
- Three-year Rate Guarantee on LTD and Life and two-year Rate Guarantee on STD.
For your employees: the protection they want at a price they can afford
More employees are leveraging their paycheck than ever before to access high value employer-offered coverage at affordable rates. You can help your employees decrease the anxiety they may feel about their family’s financial protection.Guide to purchasing life and disability coverage
Very few people hesitate to insure assets like their home or car, but many fail to protect their most valuable asset of all: themselves.
Why life and accident insurance?
• Thirty percent of U.S. households, or 35 million households, do not have life insurance1. Life insurance can assist with expenses associated with the loss of a
loved one such as estate administration costs, funeral expenses, debts and medical expenses, and even college tuition.
• Certain life events, such as a spouse no longer working or children reach college age, result in an increased need for life insurance.
Why disability insurance?
• Accidental injuries are a major cause of disabilities, but common chronic health conditions can also limit your ability to work.
• Chances of becoming disabled increase with age, doubling from 11% for those ages 18-44 to 23% for those ages 45-64, and again at 51% for those 65 and above2.
• Nearly two-thirds of surveyed wage earners personally know someone who has been disabled and unable to work for 3 months or longer3.
1LIMRA’s Life Insurance Ownership Study, 2010
2U.S Centers for Disease Control and Prevention, Morbidity and Mortality Weekly Report, 2009 3Council for Disability Awareness proprietary research, 2010
Protecting lives, lifestyles
and futures.
The National Public Employer Labor Relations Association (NPELRA) has created a new benefit for members’ organizations and their employees: the NPELRA National Life and Disability Consortium.
NPELRA Life and Disability Consortium Plans
Highlights
Group Life and Accident.
Life: Financial security for your loved ones after you can no longer care for them.
Life insurance is pretty simple: You buy it, hope you never need it, bad things happen, at least your family is protected in some small way. Some highlights of the plan are: • A generous living benefit option: Terminally ill employees or dependents can
accelerate their benefits, up to $500,000.1
• Portability and conversion provisions offer employees the ability to continue their life insurance coverage under certain circumstances such as loss of employment.
AD&D: Protecting their future is no accident.
Affordable measure of protection you can offer your employees and their families against the very aspects of life no one wants to think about, let alone plan for.
• Protection against losses from unforeseen covered accidents, available for dependent children and spouses as well as employees.
• 24-hour accident coverage that can be combined with Group Life or purchased as a standalone product.
Group Disability.
Group disability income protection helps protect both public employers and their most valuable assets: employees.
Short Term Disability (STD): Anyone who needs a paycheck needs to protect it.
• Experienced Claims Team provides accurate, sensitive and timely adjudication and management of claims which helps deliver a consistent, predictable and positive employee experience.
• We can integrate STD with LTD and FMLA, making it faster and easier to process your claims.
Long Term Disability (LTD): Continuing protection.
• A definition of disability based on loss of material duties.
• Dedicated claims team with nurse case managers, vocational rehabilitation specialists and medical directors on staff.
1 Receipt of accelerated benefits may be taxable. Seek assistance from your personal tax advisor for
more information.
Added value for you
Reliance Standard offers a number of value added services:
RSL LeaveManager™ (available for 50–2000 lives) — a web-based system to record,
administer and report types of employee absences, whether government mandated or employer authorized. An employer-paid LTD policy is required in order to get RSL LeaveManager.
• Helps maintain compliance with Federal FMLA and Department of Labor wage and hour regulations
• Reduces leave and absence administrative time • Improves productivity
• Reduces costs due to unscheduled absences
Added value for your employees
• Employee Assistance/Work-Life Program(Life and LTD) —
professional, confidential counseling to employees and other immediate family members or dependents experiencing personal, family or work performance problems.
• Bereavement Counseling (Life) —
grief and loss counseling available 24 hours a day, seven days a week to all household members. • Travel Assistance (Life and LTD) —
comprehensive range of information, referral, coordination and arrangement services designed to respond to most medical care situations and emergencies when employees and/or dependents travel more than 100 miles from home or in a foreign country.
• Identity Theft Recovery Services (LTD) — Identity Theft Recovery experts provided to work on behalf of employees to resolve all types of identity theft.
• Social Security Advocacy (LTD) —
Get Ready for a Quote.
Take advantage of the financial savings and increased benefits offered through the NPELRA National Life and Disability Consortium.
To receive a quote for comparison with your current coverage, you’ll need: • Current employee census.
• In-force carrier booklets.
• Any applicable union contracts if specific benefits are stipulated in them. • In-force carrier rates.
• If the group is experience-rated, please provide three to five years of claims experience.
Ease of Transition
• Dedicated local and centralized resources help facilitate the process of changing benefits carriers.
• Local stewardship of specialized experts and teams to successfully implement, enroll and renew your coverage.
• Assistance and education to make installation, billing and administration easier.
Need more facts?
If you want to learn more, or receive a proposal, please contact Gallagher Benefit Services at [email protected], or 877.360.4900. Or contact Michael Kolb of NPELRA at
Rely on Reliance.
Plan arranged and managed by Gallagher Benefit Services, Inc., the employee benefits division of Arthur J. Gallagher & Co. Gallagher receives an 8% commission compensation for the marketing and administration services they provide. Of the compensation received by Gallagher Benefit Services, 10% of the revenue will be given back to NPELRA in royalties.
Gallagher Benefit Services, Inc., a subsidiary of Arthur J. Gallagher & Co. (NYSE: AJG), is one of the leading employee benefits brokers and consultants in the U.S. It delivers a full range of employee benefits services, including benefits strategy, plan design and management, financial planning, actuarial, data analysis and benchmarking, retirement brokerage and consulting, and human resource services. Visit us at www.gallagherbenefits.com. This brochure is a brief description of the key features of the Reliance Standard insurance plan. The availability of the benefits and features described may vary by state. It is not a certificate of insurance or evidence of coverage. Insurance is provided under group policy form LRS-6422 and RS-6564, et al, through Reliance Standard Life Insurance Company.
