Coverage You Can Rely On
COVERAGE
Disability income protection insurance provides a benefit for “short term” disability resulting from a covered injury or sickness. Benefits begin at the end of the elimination period and continue while you are disabled up to the maximum benefit duration.
ELIGIBILITY
Each Active, Full-time employee working 30 or more hours per week, and earning an annual salary of at least $15,000, except any person working on a temporary or seasonal basis.
BENEFIT AMOUNT
You may elect a weekly benefit in increments of $25, from a minimum of $100 up to a maximum benefit of $1,250 per week, not to exceed 60% of your covered earnings (rounded to the next lower increment).
DAY BENEFITS BEGIN
Injury (accident) and Sickness (illness): benefits begin on the 15th consecutive day of disability; or the day following the number of accumulated sick days applicable to the employee.
MAXIMUM BENEFIT DURATION
Benefits for one period of disability, will be paid up to a maximum of 11 weeks.
CONTRIBUTION REQUIREMENTS
Coverage is 100% employee paid.
RATES
See next page.
FEATURES
Maternity covered as any other illness
Non-occupational coverage
Partial Disability benefit included
Transfer of Coverage provision
Zero Day Residual included Definition
LIMITATIONS
Pre-Existing Condition Limitation – 3/12
Please note — pre-ex limitations also apply to benefit increases
EXCLUSIONS
Benefits will not be payable for any disability caused by: an intentionally self-inflicted injury; an act of war (declared or undeclared); commission of a felony; sickness covered by workers’ compensation or other workers’ disability law; injury occurring out of or in the course of work for wage or profit.
For a comprehensive list of exclusions, limitations, and any applicable benefit offsets, please refer to the Certificate of Insurance. The Certificate also provides all requirements necessary to be eligible for coverage and benefits.
This Plan Highlights is a brief description of the key features of the RSL 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-6451, et al.
Voluntary Group Short
Term Disability Insurance
VOLUNTARY GROUP SHORT TERM DISABILITY INSURANCE
EMPLOYEE WEEkLY PREMIUMS
Weekly Earnings
Weekly Benefit Amount
Age
-19 20-24Age 25-29Age 30-34Age 35-39Age 40-44Age 45-49Age 50-54Age 55-59Age 60-64Age 65-69Age Age 70+
$288 $100 $1.27 $1.27 $1.36 $1.43 $1.34 $1.45 $1.80 $2.63 $3.09 $3.42 $4.22 $5.61 $288 $125 $1.59 $1.59 $1.70 $1.79 $1.67 $1.82 $2.25 $3.29 $3.87 $4.27 $5.28 $7.01 $288 $150 $1.90 $1.90 $2.04 $2.15 $2.01 $2.18 $2.70 $3.95 $4.64 $5.12 $6.33 $8.41 $292 $175 $2.22 $2.22 $2.38 $2.50 $2.34 $2.54 $3.15 $4.60 $5.41 $5.98 $7.39 $9.81 $333 $200 $2.54 $2.54 $2.72 $2.86 $2.68 $2.91 $3.60 $5.26 $6.18 $6.83 $8.45 $11.22 $375 $225 $2.86 $2.86 $3.06 $3.22 $3.01 $3.27 $4.05 $5.92 $6.96 $7.68 $9.50 $12.62 $417 $250 $3.17 $3.17 $3.40 $3.58 $3.35 $3.63 $4.50 $6.58 $7.73 $8.54 $10.56 $14.02 $458 $275 $3.49 $3.49 $3.74 $3.93 $3.68 $4.00 $4.95 $7.23 $8.50 $9.39 $11.61 $15.42 $500 $300 $3.81 $3.81 $4.08 $4.29 $4.02 $4.36 $5.40 $7.89 $9.28 $10.25 $12.67 $16.82 $542 $325 $4.13 $4.13 $4.43 $4.65 $4.35 $4.73 $5.85 $8.55 $10.05 $11.10 $13.73 $18.23 $583 $350 $4.44 $4.44 $4.77 $5.01 $4.68 $5.09 $6.30 $9.21 $10.82 $11.95 $14.78 $19.63 $625 $375 $4.76 $4.76 $5.11 $5.37 $5.02 $5.45 $6.75 $9.87 $11.60 $12.81 $15.84 $21.03 $667 $400 $5.08 $5.08 $5.45 $5.72 $5.35 $5.82 $7.20 $10.52 $12.37 $13.66 $16.89 $22.43 $708 $425 $5.39 $5.39 $5.79 $6.08 $5.69 $6.18 $7.65 $11.18 $13.14 $14.52 $17.95 $23.83 $750 $450 $5.71 $5.71 $6.13 $6.44 $6.02 $6.54 $8.10 $11.84 $13.92 $15.37 $19.00 $25.23 $792 $475 $6.03 $6.03 $6.47 $6.80 $6.36 $6.91 $8.55 $12.50 $14.69 $16.22 $20.06 $26.64 $833 $500 $6.35 $6.35 $6.81 $7.15 $6.69 $7.27 $9.00 $13.15 $15.46 $17.08 $21.12 $28.04 $875 $525 $6.66 $6.66 $7.15 $7.51 $7.03 $7.63 $9.45 $13.81 $16.23 $17.93 $22.17 $29.44 $917 $550 $6.98 $6.98 $7.49 $7.87 $7.36 $8.00 $9.90 $14.47 $17.01 $18.78 $23.23 $30.84 $958 $575 $7.30 $7.30 $7.83 $8.23 $7.70 $8.36 $10.35 $15.13 $17.78 $19.64 $24.28 $32.24 $1,000 $600 $7.62 $7.62 $8.17 $8.58 $8.03 $8.72 $10.80 $15.78 $18.55 $20.49 $25.34 $33.65 $1,042 $625 $7.93 $7.93 $8.51 $8.94 $8.37 $9.09 $11.25 $16.44 $19.33 $21.35 $26.39 $35.05 $1,083 $650 $8.25 $8.25 $8.85 $9.30 $8.70 $9.45 $11.70 $17.10 $20.10 $22.20 $27.45 $36.45 $1,125 $675 $8.57 $8.57 $9.19 $9.66 $9.03 $9.81 $12.15 $17.76 $20.87 $23.05 $28.51 $37.85 $1,167 $700 $8.88 $8.88 $9.53 $10.02 $9.37 $10.18 $12.60 $18.42 $21.65 $23.91 $29.56 $39.25 $1,208 $725 $9.20 $9.20 $9.87 $10.37 $9.70 $10.54 $13.05 $19.07 $22.42 $24.76 $30.62 $40.66 $1,250 $750 $9.52 $9.52 $10.21 $10.73 $10.04 $10.90 $13.50 $19.73 $23.19 $25.62 $31.67 $42.06 $1,292 $775 $9.84 $9.84 $10.55 $11.09 $10.37 $11.27 $13.95 $20.39 $23.97 $26.47 $32.73 $43.46 $1,333 $800 $10.15 $10.15 $10.89 $11.45 $10.71 $11.63 $14.40 $21.05 $24.74 $27.32 $33.78 $44.86 $1,375 $825 $10.47 $10.47 $11.23 $11.80 $11.04 $11.99 $14.85 $21.70 $25.51 $28.18 $34.84 $46.26 $1,417 $850 $10.79 $10.79 $11.57 $12.16 $11.38 $12.36 $15.30 $22.36 $26.28 $29.03 $35.90 $47.67 $1,458 $875 $11.11 $11.11 $11.91 $12.52 $11.71 $12.72 $15.75 $23.02 $27.06 $29.88 $36.95 $49.07 $1,500 $900 $11.42 $11.42 $12.25 $12.88 $12.05 $13.08 $16.20 $23.68 $27.83 $30.74 $38.01 $50.47 $1,542 $925 $11.74 $11.74 $12.59 $13.23 $12.38 $13.45 $16.65 $24.33 $28.60 $31.59 $39.06 $51.87 $1,583 $950 $12.06 $12.06 $12.93 $13.59 $12.72 $13.81 $17.10 $24.99 $29.38 $32.45 $40.12 $53.27 $1,625 $975 $12.38 $12.38 $13.28 $13.95 $13.05 $14.18 $17.55 $25.65 $30.15 $33.30 $41.18 $54.68 $1,667 $1,000 $12.69 $12.69 $13.62 $14.31 $13.38 $14.54 $18.00 $26.31 $30.92 $34.15 $42.23 $56.08 $1,708 $1,025 $13.01 $13.01 $13.96 $14.67 $13.72 $14.90 $18.45 $26.97 $31.70 $35.01 $43.29 $57.48 $1,750 $1,050 $13.33 $13.33 $14.30 $15.02 $14.05 $15.27 $18.90 $27.62 $32.47 $35.86 $44.34 $58.88 $1,792 $1,075 $13.64 $13.64 $14.64 $15.38 $14.39 $15.63 $19.35 $28.28 $33.24 $36.72 $45.40 $60.28 $1,833 $1,100 $13.96 $13.96 $14.98 $15.74 $14.72 $15.99 $19.80 $28.94 $34.02 $37.57 $46.45 $61.68 $1,875 $1,125 $14.28 $14.28 $15.32 $16.10 $15.06 $16.36 $20.25 $29.60 $34.79 $38.42 $47.51 $63.09 $1,917 $1,150 $14.60 $14.60 $15.66 $16.45 $15.39 $16.72 $20.70 $30.25 $35.56 $39.28 $48.57 $64.49 $1,958 $1,175 $14.91 $14.91 $16.00 $16.81 $15.73 $17.08 $21.15 $30.91 $36.33 $40.13 $49.62 $65.89 $2,000 $1,200 $15.23 $15.23 $16.34 $17.17 $16.06 $17.45 $21.60 $31.57 $37.11 $40.98 $50.68 $67.29 $2,042 $1,225 $15.55 $15.55 $16.68 $17.53 $16.40 $17.81 $22.05 $32.23 $37.88 $41.84 $51.73 $68.69 $2,083 $1,250 $15.87 $15.87 $17.02 $17.88 $16.73 $18.17 $22.50 $32.88 $38.65 $42.69 $52.79 $70.10
COVERAGE
Disability income protection insurance provides a benefit for “long term” disability resulting from a covered injury or sickness. Benefits begin at the end of the elimination period and continue while you are disabled up to the maximum benefit duration.
ELIGIBILITY
Each Active, Full-time employee working 30 or more hours per week, and earning an annual salary of at least $15,000, except any person working on a temporary or seasonal basis.
BENEFIT AMOUNT
You may elect a monthly benefit equal to 50% of your covered earnings, up to a maximum benefit of $3,500 per month.
ELIMINATION PERIOD
90 consecutive days of total disability
MAXIMUM BENEFIT DURATION
Benefits will not extend beyond the longer of: Social Security Normal Retirement Age or Duration of Benefits below:
Age at Disablement Duration of Benefits Age 65 or less 2 years
66 1 3/4 years
67 1 1/2 years
68 1 1/4 years
Age 69 and older 1 year
CONTRIBUTION REQUIREMENTS
Coverage is 100% employee paid.
RATES
See next page.
FEATURES
Minimum Benefit Payable – $50
Own Occupation Coverage – 24 months
Residual and Partial Disability
Specific Indemnity Benefit
Survivor Benefit – 3 months
Work Incentive & Child Care provisions
VALUE ADDED SERVICES
Travel Assistance Service
LIMITATIONS
Mental/Nervous Illness Limitation – 24 month out-patient
Offsets (such as, but not limited to, Social Security, Workers Compensation, State Disability Plans)
Pre-Existing Condition Limitation – 3/12
Substance Abuse Limitation – 24 months
Please note- pre-ex limitations also apply to benefit increases
EXCLUSIONS
Benefits will not be payable for any disability caused by: an intentionally self-inflicted injury; an act of war (declared or undeclared); commission of a felony; injury or sickness occurring while confined in any penal or correctional institution.
For a comprehensive list of exclusions, limitations, and any applicable benefit offsets, please refer to the Certificate of Insurance. The Certificate also provides all requirements necessary to be eligible for coverage and benefits. This Plan Highlights is a brief description of the key features of the RSL 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-6564, et al.
Voluntary Group Long
Term Disability Insurance
Scheduled Benefit:
Each eligible employee may elect 50% of their monthly earnings, up to $3,500 per month benefit maximum.
To calculate your monthly payroll deduction, use the formula indicated below: (Round all numbers to the nearest whole number)
1. Enter your Annual Earnings. 1. $ __________ 2. Divide your annual earnings by 12 (monthly earnings).
Average monthly income cannot exceed $7,000 2. $ __________ 3. Find your rate from the age table displayed.. 3. ___________ 4. Multiply the amount on Line 2 by the appropriate
rate for your age entered on Line 3. 4. $ __________ 5. Divide the amount on Line 4 by 100 and enter the
amount on Line 5 to get your monthly payroll deduction. 5. $ __________ 6. Multiply the amount on Line 5 by 12, then Divide by 52
to get your weekly payroll deduction. 6. $ __________
Example Calculation: Jane Smith is Age 35.
1. Enter your Annual Earnings. 1. $ __________ 2. Divide your annual earnings by 12 (monthly earnings).
Average monthly income cannot exceed $7,000 2. $ __________ 3. Find your rate from the age table displayed.. 3. ___________ 4. Multiply the amount on Line 2 by the appropriate
rate for your age entered on Line 3. 4. $ __________ 5. Divide the amount on Line 4 by 100 and enter the
amount on Line 5 to get your monthly payroll deduction. 5. $ __________ 6. Multiply the amount on Line 5 by 12, then Divide by 52
to get your weekly payroll deduction. 6. $ __________
Age Rate per $100 of covered payroll
18-24 $0.07 25-29 $0.12 30-34 $0.21 35-39 $0.34 40-44 $0.59 45-49 $0.77 50-54 $1.08 55-59 $1.40 60-64 $1.08 65-69 $0.73 70+ $0.53
Voluntary Group Long
Term Disability Insurance
Premium Worksheet
50,000
4,167 (monthly earnings) .34(rate for age 35-39) 1416.78
14.17(monthly payroll deduction) 3.27(weekly payroll deduction)
ELIGIBILITY
Employees: Each Active, Full-time employee working 30 or more hours per week, except any person working on a temporary or seasonal basis.
Dependents: You or your spouse must be insured in order for Dependent children to be covered.
Dependents are:
Your legal spouse under age 70. Spouse coverage terminates at age 75.
Your unmarried financially dependent children* age 14 days to 20 years (to 26 years if full-time student). *natural and adopted children upon finalization of adoption; stepchildren and foster children living with you. Age limit does not apply to handicapped children.
A person may not have coverage as both an Employee and Dependent.
Only one insured spouse may cover Dependent children.
BENEFIT AMOUNT
Employee and Spouse: Choose from a minimum of $10,000 to a maximum of $500,000 (in $10,000 increments) for yourself and/or your spouse. The benefit amounts chosen need not be the same.
Eligible Dependent Child(ren): 14 Days to 6 months: $1,000 Age 6 months to 20 years of age (26, if full-time student): choice of $10,000
Choose one benefit amount for all eligible children in family.
GUARANTEED ISSUE
(Initial Eligibility Period Only) Employee:Under age 60: $100,000
Age 60 but under age 70: $100,000 Age 70 or older: none
Spouse:
Under age 60: $20,000 Age 60 or older: none
GUARANTEED ISSUE is subject to underwriting rules and is not available in all circumstances.
FEATURES
Living Benefit Rider(expressed as Accelerated Death Benefit in some states and Imminent Death Benefit in PA)
Portability
Waiver of Premium
RATE
See next page.
CONTRIBUTION REQUIREMENTS
Coverage is employee paid.
AD&D SCHEDULE
For Accidental Loss of: Amount Payable:
Life 100%
Both hands or both feet 100% Sight of both eyes 100% One hand and one foot 100% One hand and sight of one eye 100% One foot and sight of one eye 100% Speech and hearing 100% One hand or One foot 50%
Sight of one eye 50%
Speech or Hearing 50%
BENEFIT REDUCTION DUE TO AGE
(applicable to employee/spouse coverage) At Age Face Amount Reduces to:
75-79 60% of available or in force amount at age 74 80-84 35% of available or in force amount at age 74 85-89 27.5% of available or in force amount at age 74 90-94 20% of available or in force amount at age 74 95-99 7.5% of available or in force amount at age 74 100 + 5% of available or in force amount at age 74
EXCLUSIONS
Death by suicide is not covered during the first two years an insured’s insurance is in force. Insurance coverage is incontestable after it has been in force two years during the insured’s lifetime, except for non-payment of premium. AD&D benefits will not be payable for a loss which results from: intentionally self-inflicted injury; any act of war, declared or undeclared; sickness or disease which contributes to a loss (except infection which results from an accidental cut or wound). Additional exclusions may apply and vary by state.
For a comprehensive list of exclusions and limitations, please refer to the Certificate of Insurance. The Certificate also provides all requirements necessary to be eligible for coverage and benefits.
This Plan Highlights is a brief description of the key features of the RSL insurance plan. It is not a certificate of insurance or evidence of coverage. Insurance is provided under group policy form LRS-8349, et al.
Voluntary Group Term
Life and AD&D Insurance
VOLUNTARY LIFE INSURANCE PREMIUM TABLE
Scheduled Benefit: Each eligible employee and spouse may elect an amount of insurance, in increments of $10,000 from a minimum of $10,000 to a maximum of $500,000. Rates are subject to change.
WEEkLY PREMIUMS
VoluntaryLife Election Amount
Age
<30 Age 30-34 35-39Age 40-44Age 45-49Age 50-54Age Age 55-59 Age 60-64 Age 65-69 Age 70-75 Child Rates
$10,000 $0.39 $0.37 $0.49 $0.76 $1.24 $1.95 $3.32 $4.06 $6.08 $11.59 $10,000 - $0.43 $20,000 $0.79 $0.74 $0.98 $1.52 $2.47 $3.91 $6.65 $8.11 $12.16 $23.17
$30,000 $1.18 $1.11 $1.47 $2.28 $3.71 $5.86 $9.97 $12.17 $18.24 $34.76 $40,000 $1.58 $1.49 $1.96 $3.04 $4.95 $7.82 $13.29 $16.23 $24.32 $46.35 $50,000 $1.97 $1.86 $2.45 $3.80 $6.18 $9.77 $16.62 $20.28 $30.40 $57.93 $60,000 $2.37 $2.23 $2.94 $4.56 $7.42 $11.73 $19.94 $24.34 $36.48 $69.52 $70,000 $2.76 $2.60 $3.42 $5.31 $8.66 $13.68 $23.26 $28.40 $42.57 $81.11 $80,000 $3.16 $2.97 $3.91 $6.07 $9.90 $15.64 $26.58 $32.46 $48.65 $92.70 $90,000 $3.55 $3.34 $4.40 $6.83 $11.13 $17.59 $29.91 $36.51 $54.73 $104.28 $100,000 $3.95 $3.72 $4.89 $7.59 $12.37 $19.55 $33.23 $40.57 $60.81 $115.87 $110,000 $4.34 $4.09 $5.38 $8.35 $13.61 $21.50 $36.55 $44.63 $66.89 $127.46 $120,000 $4.74 $4.46 $5.87 $9.11 $14.84 $23.46 $39.88 $48.68 $72.97 $139.04 $130,000 $5.13 $4.83 $6.36 $9.87 $16.08 $25.41 $43.20 $52.74 $79.05 $150.63 $140,000 $5.52 $5.20 $6.85 $10.63 $17.32 $27.36 $46.52 $56.80 $85.13 $162.22 $150,000 $5.92 $5.57 $7.34 $11.39 $18.55 $29.32 $49.85 $60.85 $91.21 $173.80 $160,000 $6.31 $5.94 $7.83 $12.15 $19.79 $31.27 $53.17 $64.91 $97.29 $185.39 $170,000 $6.71 $6.32 $8.32 $12.91 $21.03 $33.23 $56.49 $68.97 $103.37 $196.98 $180,000 $7.10 $6.69 $8.81 $13.67 $22.26 $35.18 $59.82 $73.02 $109.45 $208.56 $190,000 $7.50 $7.06 $9.30 $14.43 $23.50 $37.14 $63.14 $77.08 $115.53 $220.15 $200,000 $7.89 $7.43 $9.78 $15.18 $24.74 $39.09 $66.46 $81.14 $121.62 $231.74 $210,000 $8.29 $7.80 $10.27 $15.94 $25.98 $41.05 $69.78 $85.20 $127.70 $243.33 $220,000 $8.68 $8.17 $10.76 $16.70 $27.21 $43.00 $73.11 $89.25 $133.78 $254.91 $230,000 $9.08 $8.55 $11.25 $17.46 $28.45 $44.96 $76.43 $93.31 $139.86 $266.50 $240,000 $9.47 $8.92 $11.74 $18.22 $29.69 $46.91 $79.75 $97.37 $145.94 $278.09 $250,000 $9.87 $9.29 $12.23 $18.98 $30.92 $48.87 $83.08 $101.42 $152.02 $289.67 $260,000 $10.26 $9.66 $12.72 $19.74 $32.16 $50.82 $86.40 $105.48 $158.10 $301.26 $270,000 $10.65 $10.03 $13.21 $20.50 $33.40 $52.77 $89.72 $109.54 $164.18 $312.85 $280,000 $11.05 $10.40 $13.70 $21.26 $34.63 $54.73 $93.05 $113.59 $170.26 $324.43 $290,000 $11.44 $10.77 $14.19 $22.02 $35.87 $56.68 $96.37 $117.65 $176.34 $336.02 $300,000 $11.84 $11.15 $14.68 $22.78 $37.11 $58.64 $99.69 $121.71 $182.42 $347.61 $310,000 $12.23 $11.52 $15.17 $23.54 $38.34 $60.59 $103.02 $125.76 $188.50 $359.19 $320,000 $12.63 $11.89 $15.66 $24.30 $39.58 $62.55 $106.34 $129.82 $194.58 $370.78 $330,000 $13.02 $12.26 $16.14 $25.05 $40.82 $64.50 $109.66 $133.88 $200.67 $382.37 $340,000 $13.42 $12.63 $16.63 $25.81 $42.06 $66.46 $112.98 $137.94 $206.75 $393.96 $350,000 $13.81 $13.00 $17.12 $26.57 $43.29 $68.41 $116.31 $141.99 $212.83 $405.54 $360,000 $14.21 $13.38 $17.61 $27.33 $44.53 $70.37 $119.63 $146.05 $218.91 $417.13 $370,000 $14.60 $13.75 $18.10 $28.09 $45.77 $72.32 $122.95 $150.11 $224.99 $428.72 $380,000 $15.00 $14.12 $18.59 $28.85 $47.00 $74.28 $126.28 $154.16 $231.07 $440.30 $390,000 $15.39 $14.49 $19.08 $29.61 $48.24 $76.23 $129.60 $158.22 $237.15 $451.89 $400,000 $15.78 $14.86 $19.57 $30.37 $49.48 $78.18 $132.92 $162.28 $243.23 $463.48 $410,000 $16.18 $15.23 $20.06 $31.13 $50.71 $80.14 $136.25 $166.33 $249.31 $475.06 $420,000 $16.57 $15.60 $20.55 $31.89 $51.95 $82.09 $139.57 $170.39 $255.39 $486.65 $430,000 $16.97 $15.98 $21.04 $32.65 $53.19 $84.05 $142.89 $174.45 $261.47 $498.24 $440,000 $17.36 $16.35 $21.53 $33.41 $54.42 $86.00 $146.22 $178.50 $267.55 $509.82 $450,000 $17.76 $16.72 $22.02 $34.17 $55.66 $87.96 $149.54 $182.56 $273.63 $521.41 $460,000 $18.15 $17.09 $22.50 $34.92 $56.90 $89.91 $152.86 $186.62 $279.72 $533.00 $470,000 $18.55 $17.46 $22.99 $35.68 $58.14 $91.87 $156.18 $190.68 $285.80 $544.59 $480,000 $18.94 $17.83 $23.48 $36.44 $59.37 $93.82 $159.51 $194.73 $291.88 $556.17 $490,000 $19.34 $18.21 $23.97 $37.20 $60.61 $95.78 $162.83 $198.79 $297.96 $567.76 $500,000 $19.73 $18.58 $24.46 $37.96 $61.85 $97.73 $166.15 $202.85 $304.04 $579.35
COVERAGE
Voluntary critical illness insurance provides a fixed, lump-sum benefit upon diagnosis of a critical illness, which can include heart attack, stroke, paralysis and more. These benefits are paid directly to the insured and may be used for any reason, from deductibles and prescriptions to transportation and child care.
ELIGIBILITY
Employees: Each Active, Full-time employee working 30 or more hours per week,except any person working on a temporary or seasonal basis.
Dependents: You must be insured for Dependents to be covered.
Dependents are:
Your legal spouse. Spouse must be under age 70 at date of application. Coverage terminates at age 75.
Your dependent children* from age 14 days to 26 years. *natural, legally adopted, children dependent on Insured during waiting period before adoption, stepchildren, and foster children in Insured’s custody
Age limit does not apply to handicapped children.
A person may not have coverage as both an Employee and Dependent.
BENEFIT AMOUNT
Employee: Choose from a minimum of $5,000 to a maximum of $50,000 in $1,000 increments.
Spouse: Choose from a minimum of $5,000 to a maximum of $50,000 in $1,000 increments, not to exceed 100% of approved employee amount.
Dependent child(ren): 25% of approved employee amount up to a maximum of $12,500
GUARANTEED ISSUE
Employee: $10,000 Spouse: $10,000
Child: all child amounts are guaranteed issue
BENEFIT REDUCTION DUE TO AGE
(applicable to employee/spouse coverage) Age Original Benefit Reduced To
70 50%
LIMITATIONS
Pre-ex Condition Limitation – 12/12
Benefit Waiting Period – 30 Days
Please note – benefit waiting periods and pre-ex limitations also apply to benefit increases
CONTRIBUTION REQUIREMENTS
Coverage is 100% employee paid.
RATES
See next page.
FEATURES
Basic – 100% of Insurance Amount for: Life Threatening Cancer, Heart Attack, Stroke, Kidney (Renal) Failure, Major Organ Transplant
Partial – 25% of Insurance Amount for: Coronary Artery Bypass or Cancer in Situ
Lifetime Maximum Benefit per Category – 200% of Insurance Amount
Subsequent Occurrence Benefit (Different Category of Critical Illness diagnosed 6 months or later) – 100% if Basic; 25% if Partial
Recurrence Benefit-(Same Category of Critical Illness diagnosed 18 months or later)- 50% if Basic; 12.5% if Partial
FMLA / MSLA Continuation
Portability to employee age 70
Wellness (Health Screening) Benefit- $50
CRITICAL ILLNESS CATEGORIES
Category 1Life Threatening Cancer – 100% Cancer in Situ – 25%
Category 3
Kidney (Renal) Failure – 100% Major Organ transplant – 100%
EXCLUSIONS
A benefit will not be paid if the Critical Illness is caused by or contributed to by one of the following: an act of war, declared or undeclared; intentionally selfinflicted Injury; commission or attempted commission of a felony; the use of alcohol or drugs unless taken as prescribed by a Physician; a Sickness or Injury that occurs while confined in a penal or correctional institution; cosmetic or elective surgery that is not medically necessary; committing or attempting to commit suicide while sane or insane; participation in a riot or insurrection; a Critical Illness Diagnosed outside of the US unless confirmed within the US; *for a Critical Illness which is Diagnosed before or during the Benefit Waiting Period; or a Heart Attack that occurs within 24 hours of a medical procedure.
* A Pre-existing Condition unless the Critical Illness has been Diagnosed after a specific period after the Insured’s or Insured Dependent’s effective date of coverage.
For a comprehensive list of exclusions and limitations, please refer to the Certificate of Insurance. The Certificate also provides all requirements necessary to be eligible for benefits. This Plan Highlights is a brief description of the key features of the RSL 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-9401-0111, et al.
Voluntary Group
Critical Illness Insurance
Plan Highlights
Category 2
Coronary Artery Bypass – 25% Heart Attack – 100%
CRITICAL ILLNESS INSURANCE PREMIUM TABLE
Scheduled Benefit: Each eligible employee may elect for himself and/or his eligible spouse an amount of insurance shown in the table below. Employee/Spouse Premiums: To find you and your spouse’s premium — Determine your age band: Your age = your age at your last birthday. Spouse age = spouse age.
For employees age 70 or older, benefit amounts are reduced according to the age-based reduction chart shown in the Plan Highlights. When selecting an amount of insurance, you must select at pre-age 70 benefit amount.
Select an employee and spouse benefit from the table below. Employee and spouse rates change as insured moves from one age bracket to the next, based on the age determination rules. Please note: these rates are approximate and subject to change.
WEEkLY RATES
BenefitAmount 0-29 Age 30-34 Age 35-39 Age 40-44 Age 45-49 Age 50-54 Age 55-59 Age 60-64 Age 65-69 Age 70-74 Age Age 75-79 80-84 Age Age 85+ $5,000 $0.52 $0.84 $1.08 $1.75 $3.02 $4.75 $6.55 $9.37 $13.43 $17.25 $23.33 $29.05 $40.27 $6,000 $0.62 $1.01 $1.30 $2.10 $3.63 $5.70 $7.86 $11.24 $16.12 $20.70 $28.00 $34.86 $48.32 $7,000 $0.73 $1.18 $1.52 $2.46 $4.23 $6.66 $9.18 $13.12 $18.80 $24.15 $32.66 $40.68 $56.38 $8,000 $0.83 $1.35 $1.74 $2.81 $4.84 $7.61 $10.49 $14.99 $21.49 $27.60 $37.33 $46.49 $64.43 $9,000 $0.93 $1.52 $1.95 $3.16 $5.44 $8.56 $11.80 $16.86 $24.18 $31.05 $42.00 $52.30 $72.48 $10,000 $1.04 $1.68 $2.17 $3.51 $6.05 $9.51 $13.11 $18.74 $26.86 $34.50 $46.66 $58.11 $80.54 $11,000 $1.14 $1.85 $2.39 $3.86 $6.65 $10.46 $14.42 $20.61 $29.55 $37.95 $51.33 $63.92 $88.59 $12,000 $1.25 $2.02 $2.60 $4.21 $7.26 $11.41 $15.73 $22.49 $32.23 $41.40 $55.99 $69.73 $96.65 $13,000 $1.35 $2.19 $2.82 $4.56 $7.86 $12.36 $17.04 $24.36 $34.92 $44.85 $60.66 $75.54 $104.70 $14,000 $1.45 $2.36 $3.04 $4.91 $8.46 $13.31 $18.35 $26.23 $37.61 $48.30 $65.33 $81.35 $112.75 $15,000 $1.56 $2.53 $3.25 $5.26 $9.07 $14.26 $19.66 $28.11 $40.29 $51.75 $69.99 $87.16 $120.81 $16,000 $1.66 $2.70 $3.47 $5.61 $9.67 $15.21 $20.97 $29.98 $42.98 $55.20 $74.66 $92.97 $128.86 $17,000 $1.77 $2.86 $3.69 $5.96 $10.28 $16.16 $22.28 $31.86 $45.66 $58.65 $79.32 $98.78 $136.92 $18,000 $1.87 $3.03 $3.90 $6.31 $10.88 $17.11 $23.59 $33.73 $48.35 $62.10 $83.99 $104.59 $144.97 $19,000 $1.97 $3.20 $4.12 $6.66 $11.49 $18.06 $24.90 $35.60 $51.04 $65.55 $88.66 $110.40 $153.02 $20,000 $2.08 $3.37 $4.34 $7.02 $12.09 $19.02 $26.22 $37.48 $53.72 $69.00 $93.32 $116.22 $161.08 $21,000 $2.18 $3.54 $4.56 $7.37 $12.70 $19.97 $27.53 $39.35 $56.41 $72.45 $97.99 $122.03 $169.13 $22,000 $2.28 $3.71 $4.77 $7.72 $13.30 $20.92 $28.84 $41.22 $59.10 $75.90 $102.66 $127.84 $177.18 $23,000 $2.39 $3.87 $4.99 $8.07 $13.91 $21.87 $30.15 $43.10 $61.78 $79.35 $107.32 $133.65 $185.24 $24,000 $2.49 $4.04 $5.21 $8.42 $14.51 $22.82 $31.46 $44.97 $64.47 $82.80 $111.99 $139.46 $193.29 $25,000 $2.60 $4.21 $5.42 $8.77 $15.12 $23.77 $32.77 $46.85 $67.15 $86.25 $116.65 $145.27 $201.35 $26,000 $2.70 $4.38 $5.64 $9.12 $15.72 $24.72 $34.08 $48.72 $69.84 $89.70 $121.32 $151.08 $209.40 $27,000 $2.80 $4.55 $5.86 $9.47 $16.32 $25.67 $35.39 $50.59 $72.53 $93.15 $125.99 $156.89 $217.45 $28,000 $2.91 $4.72 $6.07 $9.82 $16.93 $26.62 $36.70 $52.47 $75.21 $96.60 $130.65 $162.70 $225.51 $29,000 $3.01 $4.89 $6.29 $10.17 $17.53 $27.57 $38.01 $54.34 $77.90 $100.05 $135.32 $168.51 $233.56 $30,000 $3.12 $5.05 $6.51 $10.52 $18.14 $28.52 $39.32 $56.22 $80.58 $103.50 $139.98 $174.32 $241.62 $31,000 $3.22 $5.22 $6.72 $10.87 $18.74 $29.47 $40.63 $58.09 $83.27 $106.95 $144.65 $180.13 $249.67 $32,000 $3.32 $5.39 $6.94 $11.22 $19.35 $30.42 $41.94 $59.96 $85.96 $110.40 $149.32 $185.94 $257.72 $33,000 $3.43 $5.56 $7.16 $11.58 $19.95 $31.38 $43.26 $61.84 $88.64 $113.85 $153.98 $191.76 $265.78 $34,000 $3.53 $5.73 $7.38 $11.93 $20.56 $32.33 $44.57 $63.71 $91.33 $117.30 $158.65 $197.57 $273.83 $35,000 $3.63 $5.90 $7.59 $12.28 $21.16 $33.28 $45.88 $65.58 $94.02 $120.75 $163.32 $203.38 $281.88 $36,000 $3.74 $6.06 $7.81 $12.63 $21.77 $34.23 $47.19 $67.46 $96.70 $124.20 $167.98 $209.19 $289.94 $37,000 $3.84 $6.23 $8.03 $12.98 $22.37 $35.18 $48.50 $69.33 $99.39 $127.65 $172.65 $215.00 $297.99 $38,000 $3.95 $6.40 $8.24 $13.33 $22.98 $36.13 $49.81 $71.21 $102.07 $131.10 $177.31 $220.81 $306.05 $39,000 $4.05 $6.57 $8.46 $13.68 $23.58 $37.08 $51.12 $73.08 $104.76 $134.55 $181.98 $226.62 $314.10 $40,000 $4.15 $6.74 $8.68 $14.03 $24.18 $38.03 $52.43 $74.95 $107.45 $138.00 $186.65 $232.43 $322.15 $41,000 $4.26 $6.91 $8.89 $14.38 $24.79 $38.98 $53.74 $76.83 $110.13 $141.45 $191.31 $238.24 $330.21 $42,000 $4.36 $7.08 $9.11 $14.73 $25.39 $39.93 $55.05 $78.70 $112.82 $144.90 $195.98 $244.05 $338.26 $43,000 $4.47 $7.24 $9.33 $15.08 $26.00 $40.88 $56.36 $80.58 $115.50 $148.35 $200.64 $249.86 $346.32 $44,000 $4.57 $7.41 $9.54 $15.43 $26.60 $41.83 $57.67 $82.45 $118.19 $151.80 $205.31 $255.67 $354.37 $45,000 $4.67 $7.58 $9.76 $15.78 $27.21 $42.78 $58.98 $84.32 $120.88 $155.25 $209.98 $261.48 $362.42 $46,000 $4.78 $7.75 $9.98 $16.14 $27.81 $43.74 $60.30 $86.20 $123.56 $158.70 $214.64 $267.30 $370.48 $47,000 $4.88 $7.92 $10.20 $16.49 $28.42 $44.69 $61.61 $88.07 $126.25 $162.15 $219.31 $273.11 $378.53 $48,000 $4.98 $8.09 $10.41 $16.84 $29.02 $45.64 $62.92 $89.94 $128.94 $165.60 $223.98 $278.92 $386.58 $49,000 $5.09 $8.25 $10.63 $17.19 $29.63 $46.59 $64.23 $91.82 $131.62 $169.05 $228.64 $284.73 $394.64 $50,000 $5.19 $8.42 $10.85 $17.54 $30.23 $47.54 $65.54 $93.69 $134.31 $172.50 $233.31 $290.54 $402.69 Dependent Child(ren): Your dependent child(ren) is eligible for a benefit amount of 25% of your Critical Illness benefit election, limited to a maximum of $12,500. To calculate Dependent Child(ren) Benefit: Employee Benefit Amount x 25% = Dependent Child(ren) Benefit. No rounding needed. To calculate Dependent Child(ren) Premium: Dependent Child(ren) Benefit/1000 x 0.074. Please Note: One rate and benefit amount for all eligible children in family, regardless of number.
COVERAGE
Voluntary accident insurance provides a range of fixed, lump-sum benefits for injuries resulting from a covered accident, or for accidental death and dismemberment (if included). These benefits are paid directly to the insured and may be used for any reason, from deductibles and prescriptions to transportation and child care.
ELIGIBILITY
Employees: Each Active Full-Time Employee working 30 or more hours per week, except any person working on a temporary or seasonal basis. Employee must be under age 70 at date of application.
Dependents: You must be insured in order for Dependents to be covered.
Dependents are:
Your legal spouse. Spouse must be under age 70 at date of application.
Your dependent children* from live birth to 26 years. * natural, legally adopted, children dependent on Insured
during waiting period before adoption, stepchildren, and foster children in your custody
BENEFIT AMOUNT
See Full Schedule of Benefits on next page.
CONTRIBUTION REQUIREMENTS
Coverage is 100% employee paid.
RATES
See below.
FEATURES
Portability to employee age 70
FMLA/MSLA Continuation
EXCLUSIONS
Benefits will not be paid for any loss caused by: sickness; suicide; war; air travel (except as a passenger on
commercial flights); assault/felony; acute or chronic intoxication; voluntary consumption of illegal or controlled substance or prescribed narcotic or drug; or injuries arising out of or in the course of employment for wage or profit For a comprehensive list of exclusions and limitations, please refer to the Certificate of Insurance. The Certificate also provides all requirements necessary to be eligible for benefits.
This Plan Highlights is a brief description of the key features of the RSL 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-9453-0111 ,et al.
Voluntary Group
Accident Insurance
Plan Highlights
ACCIDENT INSURANCE PREMIUM TABLE
Scheduled Benefit: Each eligible employee may elect a Plan Type and Coverage Option from the table below.
Plan Type: Choose from the options below, refer to your plan highlight sheet for plan details
Coverage Options: Employee Only, Employee and Spouse, Employee and Child(ren), or Employee & Family (which includes both spouse and child(ren)
WEEkLY PREMIUMS
Plan Type Employee Employee & Spouse
Employee & Child(ren)
Employee & Family
Plan A $2.71 $4.42 $6.66 $8.39
VOLUNTARY GROUP ACCIDENT INSURANCE SCHEDULE OF BENEFITS
Plan A Plan B
Emergency Care Benefits
Ambulance Transportation $100 Ground, $500 Air $150 Ground, $750 Air
Emergency Treatment $150 $200
Diagnostic Examination
(once per covered accident) $100 $200
Initial Physician Office Visit
(once per covered accident) $50 $75
General Treatment Benefits
Initial Hospital Admission
(once per covered accident) $500 $1,000
InitialI CU Hospital Admission $1,000 $1,500
Hospital Confinement per day $200, 365 days max $250, 365 days max
ICU Confinement per day $400, 30 days max $500, 30 days max
Rehabilitation Facility Confinement $50/day, 30 days max $100/day, 30 days max Follow-up Physician Office Visit
(once per covered accident) $50 $75
Transportation (more than 100 miles,
3 roundtrips max)
$300 $450
Lodging (for 1 person, more than
100 miles from residence) $100/30 days max $150/30 days max
Paralysis Benefits
Paralysis Benefits $10,000 quadriplegia;
$5,000 paraplegia/hemiplegia $7,500 paraplegia/hemiplegia$15,000 quadriplegia;
Surgery Benefits
SurgeryBenefits $100 for Exploratory no repair; $300 for Knee Cartilage $1,000 for Abdominal or Thoracic;$500 for Ruptured Disc; Up to $600 Tendon, Ligament, or Rotator Cuff
$150 for Exploratory no repair; $450 for Knee Cartilage; $1,500 for Abdominal or Thoracic; $750 for Ruptured Disc; Up to $900 Tendon, Ligament, or Rotator Cuff
Transitional Benefits
Medical Appliance $100 $150
Prothesis $1,000 for two or more, $500 for one $1,500 for two or more, $750 for one Physical Therapy $25 per session, up to 6 sessions $35 per session, up to 6 sessions
Specific Covered Injury & Treatment Benefits
Fractures Up to $5,000 for certain surgical repair; Up to $2,500 for non-surgical; Chip:25%
of nonsurgical full fracture benefit; Multiple:100% of highest sustained fracture
Up to $7,500 for certain surgical repair; Up to $3,750 for non-surgical; Chip:25%
of nonsurgical full fracture benefit; Multiple:100% of highest sustained fracture Dislocations Up to $3,200 for surgical; Up to $1,600 for
non-surgical; Partial- 25% of non -surgical full dislocation; Multiple -100% of highest
dislocation benefit
Up to $4,800 for surgical; Up to $2,400 for non-surgical; Partial- 25% of non-surgical
full dislocation; Multiple-100% of highest dislocation benefit
Blood/Plasma/Platelets $200 $300
Burns Up to $800 for 2nd degree burns; Up to $6400 for 3rd degree burns; Skin Graft-
25% of benefit payable for Burns
Up to $1,600 for 2nd degree burns; Up to $12,800 for 3rd degree burns; Skin Graft-
25% of benefit payable for Burns
Coma $5,000 $7,500
Concussion $100 $150
Dental Injury $150 for Crown; $50 for Extraction $300 for Crown; $75 for Extraction Eye Injury $100 for removal of foreign object;
$200 for surgical repair $150 for removal of foreign object;$300 for surgical repair
PLAN 1: DENTAL PLAN SUMMARY
Coinsurance
Type 1 100%
Type 2 80%
Type 3 50%
Deductible $50/Calendar Year Type 2 & 3 Waived Type 1
3 Family Maximum Maximum (per person) $1,000 per calendar year Allowance 90th U&C
Waiting Period None
SAMPLE PROCEDURE LISTING
(Current Dental Terminology © American Dental Association) Type 1
Routine Exam (1 in 6 months)
Bitewing X-rays (1 in 12 months)
Full Mouth/Panoramic X-rays (1 in 5 years)
Periapical X-rays
Cleaning (1 in 6 months)
Fluoride for Children 13 and under (1 in 12 months)
Sealants (age 13 and under)
Space Maintainers Type 2
Restorative Amalgams
Restorative Composites
Denture Repair
Simple Extractions Type 3
Onlays
Crowns (1 in 10 years per tooth)
Crown Repair
Endodontics (nonsurgical)
Endodontics (surgical)
Periodontics (nonsurgical)
Periodontics (surgical)
Prosthodontics (fixed bridge; removable complete/ partial dentures) (1 in 10 years)
Complex Extractions
Anesthesia
WEEkLY RATES
Employee Only (EE) $6.92
EE + Spouse $14.02
EE + Children $17.95 EE + Spouse & Children $25.11
MAXIMUM REWARDS
This dental plan includes a valuable feature that allows qualifying plan members to carryover part of their unused annual maximum. A member earns dental rewards by
submitting at least one claim for dental expenses incurred during the benefit year, while staying at or under the threshold amount for benefits received for that year. In addition, a person earning dental rewards who submits a claim for services received through the dental PPO network earns an extra reward, called the PPO Bonus. Employees and their covered dependents may accumulate rewards up to the stated maximum carryover amount, and then use those rewards for any covered dental procedures subject to applicable coinsurance and plan provisions. If a plan member doesn’t submit a dental claim during a benefit year, all accumulated rewards are lost. But he or she can begin earning rewards again the very next year.
Benefit
Threshold $500 Dental benefits received for the year cannot exceed this amount Annual
Carryover Amount
$250 Maximum Rewards amount is added to the following year’s maximum Annual PPO
Bonus $100 Additional bonus is earned if the member sees a PPO provider Maximum
Carryover $1,000 Maximum possible accumulation for Maximum Rewards and PPO Bonus combined
LATE ENTRANT PROVISION
We strongly encourage you to sign up for coverage when you are initially eligible. If you choose not to sign up during this initial enrollment period, you will become a late entrant. Late entrants will be eligible for only exams, cleanings, and fluoride applications for the first 12 months they are covered.
DENTAL NETWORk INFORMATION
To do a network search/find a provider please just follow the following directions:
1. Go to http://www.rsli.com
2. Click on the “Find dental and vision providers near you” tab in the bottom right of the screen
3. Then click on the “find a dentist” link 4. Next enter a Zip Code and click “Search”
You can search by the provider’s name too but it is strongly recommended to search by zip code as if the provider name is not entered exactly as it is listed in the system then it will not pull that provider.
This form is a benefit highlight, not a certificate of insurance. The coverage outlined here highlights the benefits available through Reliance Standard Life, and does not include exclusions and
limitations. For details on exclusions and limitations, or a complete list of covered procedures, contact your benefits coordinator.
Voluntary
Dental Plan
PLAN 1: TRUEVIEW PLAN H SUMMARY
EyeMed Select Network
Out of Network
Deductibles $10 Exam $25 Eye Glass Lenses
No deductible Annual Eye Exam Covered in full Up to $30
Lenses (per pair)
Single Vision Covered in full Up to $25 Bifocal Covered in full Up to $40 Trifocal Covered in full Up to $55 Lenticular 20% discount No benefit Progressive See lens options NA
Contacts
Fit & Follow Up Exams
Standard Standard: Member
cost up to $40 No benefit Premium
(Allowance)
Premium: 10% off of retail
No benefit Elective Up to $115 Up to $100 Medically Necessary Covered in full Up to $200
Frames $100 Up to $45
Frequencies (months)
Exam/Lens/Frame 12/12/24 Based on date of
service
12/12/24 Based on date of
service
Lens Options (member cost)
EyeMed Select Network
Out of Network
Progressive Lenses No benefit
Standard Standard: $65 + lens deductible Premium Premium: lens cost
- 20% discount - $120 allowance + Standard Progressive
cost
Std. Polycarbonate $40 No benefit Tint (solid and
gradient)
$15 No benefit
Scratch Resistant Coating
$15 No benefit
Anti-Reflective Coating
$45 No benefit
Ultraviolet Coating $15 No benefit Lasik or PRK Average discount of
15% off retail price or 5% off promotional
price at US Laser Network participating
providers.
No benefit
WEEkLY RATES
Employee Only (EE) $1.75
EE + Spouse $3.50
EE + Children $2.86
EE + Spouse & Children $4.60
ADDITIONAL TRUEVIEW H FEATURES
EyeMed In-Network Discounts
15% discount off the remaining balance in excess of the conventional contact lens allowance. 20% discount off the remaining balance in excess of the frame allowance. 20% discount on items not covered by the plan at network providers, which may not be combined with any other discounts or promotional offers. This discount does not apply to EyeMed Provider’s professional services, or contact lenses.
EyeMed In-Network Secondary Purchase Plan
Members receive a 40% discount on a complete pair of glasses once the funded benefit has been exhausted. Members receive a 15% discount off the retail price on conventional contact lenses once the funded benefit has been exhausted. Discount applies to materials only. Contact Lens Replacement by Mail Program
After exhausting the contact lens benefit, replacement lenses may be obtained at significant discounts on-line. Visit EyeMedvisioncare.com for details.
EYEMED SELECT NETWORk INFORMATION
To do a network search/find a provider please just follow the following directions:
1. Go to http://www.rsli.com
2. Click on the “Find dental and vision providers near you” tab in the bottom right of the screen
3. Then, click on “EyeMed” link under the “Find a PPO Vision Provider” toward the bottom of the page
4. Next, click on the “Find a Provider” link toward the top right of the screen
5. Last, enter a zip code, choose the “Select” network from the drop down menu, and click get Results
This form is a benefit highlight, not a certificate of insurance. The coverage outlined here highlights the benefits available through Reliance Standard Life, and does not include exclusions and
limitations. For details on exclusions and limitations, or a complete list of covered procedures, contact your benefits coordinator.
Voluntary
Vision Plan
www.reliancestandard.com
Reliance Standard Life Insurance Company is licensed in all states (except New York), the District of Columbia, Puerto Rico, the U.S. Virgin Islands and Guam. In New York, insurance products and services are provided through First Reliance Standard Life Insurance Company, Home Office: New York, NY.
| About Us
Reliance Standard Life Insurance Company (Reliance Standard) is a leading insurance
carrier specializing in innovative and flexible employee benefits solutions including disability income and group term life insurance, a suite of voluntary (employee paid) coverage options and fully integrated absence management. Reliance Standard markets these solutions through independent brokers and agents to employers of all sizes. Rated A+ (Superior) by A.M. Best, Reliance Standard celebrated its centennial year in 2006.Together with sister companies Matrix Absence Management, Inc., and Safety National Casualty Corporation, Reliance Standard Life Insurance Company is a leader in managing all aspects of employee absence to enhance the productivity of its clients. Our asset accumulation business emphasizes individual annuity products.
Reliance Standard Life Insurance Company is a member of the Tokio Marine Group. Tokio Marine Holdings, Inc., the ultimate holding company of the Tokio Marine Group, is incorporated in Japan and is listed on both the Tokyo and Osaka Stock Exchanges. The Tokio Marine Group operates in the property and casualty insurance, reinsurance and life insurance sectors globally. The Group’s main operating subsidiary, Tokio Marine & Nichido Fire (TMNF), was founded in 1879 and is the oldest and leading property and casualty insurer in Japan. TMNF conducts business in the United States mainly through its U.S. branch and enjoys an A.M. Best rating of A++, which ranks among the highest in the industry.
