The GroupLife flex scheme is designed to be a voluntary top-up scheme and offered to Aviva employees and their partners. This will be totally employee funded based on a lump sum death benefit. (Dependant’s pension will not form part of the flex scheme.)
At Sun Life Financial, protecting the Insured Member’s privacy is a priority. Sun Life maintains a confidential file in its offices containing personal information about the Insured Member and his contract(s) with Sun Life. Sun Life’s files are kept for the purpose of providing an Insured Member with investment and insurance products or services that will help an Insured Member meet his lifetime financial objectives. Access to an Insured Member’s personal information is restricted to those employees, representatives and third party service providers who are responsible for the administration, processing and servicing of the Insured Member’s contract(s) with Sun Life, Sun Life’s reinsurers or any other person whom the Insured Member authorizes. In some instances these persons may be located outside Canada, and the Insured Member’s personal information may be subject to the laws of those foreign jurisdictions. The Insured Member is entitled to consult the information contained in Sun Life’s file and, if applicable, to have it corrected by sending a written request to Sun Life.
An Insured Member must receive appropriate medical treatment beginning with the onset of the condition involved and continu- ing throughout both the Elimination Period and any subsequent Maximum Benefi t Period under Group Policy Number 50100. This means treatment that involves more than examination or testing. It must be reasonable and customary, performed or prescribed by a Physician or, whenever considered necessary by Sun Life, a medical specialist. Treatment must be carried out as frequently as the condition requires.
Use the worksheet below to guide you in calculating the amount of Additional lifeinsurance you may need. The final total is the amount of lifeinsurance you might want to consider applying for to meet your obligations. Once you determine how much coverage you need, complete the Enrollment Form in your enrollment packet and submit it to your human resources department.
services to the eligible member. They are not employees or agents of Europ Assistance USA or Anthem Blue Cross. You choose the medical professional, facility or legal counsel you want. Europ Assistance USA or Anthem Blue Cross is not liable for any medical advice or legal counsel given by the medical professional or attorney. Europ Assistance USA is also not liable for the negligence or other wrongful acts or omissions of any of the health or legal care professionals who give these services. The covered member cannot take action against Europ Assistance USA or Anthem Blue Cross for its suggestion of or contract with a medical professional or attorney.
(2) Payroll deductions made without objection by a member, following waiv- er or termination of coverage, rep- resenting premiums for insurance or additional insurance, may, by virtue of continuity or the circumstances sur- rounding their initiation, be indicative that the member did apply. Such de- ductions without a formal application of record may be considered as evi- dence that the member’s application was not in proper form or misplaced. They may also be considered as evi- dence that an application was not made solely because of erroneous or in- complete counseling or absence of counseling on the part of the respon- sible personnel of the uniformed serv- ice.
Madison National LifeInsurance Company, Inc. is one of the insurers for dental and vision insurance benefits described in this guide. Madison National Life, a member of The IHC Group, is rated A- (Excellent) for financial strength by A.M. Best Company, Inc. a widely recognized rating agency that rates insurance companies on their relative financial strength and ability to meet policyholder obligations. (An A++ from A.M. Best is its highest rating).
member’s need for benefits under the Plan; (iii) administering benefits and services for the plan member and 3sHealth participating employers generally; (iv) maintaining up to date and accurate plan member records; (v) coordinating the provision of benefits with a plan member’s other insurance providers and government agencies (such as the Workers’ Compensation Board); and (vi) other reasonable purposes consistent with the objectives of the Plan. 3sHealth Employee Benefits may also use personal information for other purposes to the extent authorized or required by applicable law.
Firms Eligible to Participate in the Plan Once a firm has become eligible and has subscribed to the Plan, the opportunity to request coverage will be offered to all its employees. Membership in the American Institute of Certified Public Accountants must be maintained by the proprietor or one of the partners or members of the Public Accounting Firm. For Firms which are not Public Accounting Firms, a member or members of the AICPA must have at least 50% ownership to have firm coverage. Participation of a firm may be terminated but the provisions of Section 12 of the Plan must be complied with. If a firm discontinues participation it can restore participation in accordance with Section 13 of the Plan. In the event a participating firm reduces to one insured individual, the insurance for that individual will continue while the Firm continues as a participating firm, until participation is terminated in accordance with Section 12 of the Plan.
• MIB – Information regarding your insurability will be treated as conﬁ dential. Standard Insurance Company or its reinsurers may, however, make a brief report thereon to MIB, a not-for-proﬁ t membership organization of insurance companies, which operates an information exchange on behalf of its Members. If you apply to another MIB Member company for life or health (including short and long term disability) insurance coverage, or a claim for beneﬁ ts is submitted to such a company, MIB, upon request, will supply such company with the information in its ﬁ le.
Undertaking administrative tasks, such as record-keeping and lodging annual returns. You must also ensure the fund’s Trust Deed and investment strategy are regularly reviewed and updated in accordance with the law and the needs of members. Over time your circumstances may change, possibly in a way that affects your ability to effectively manage the fund and undertake your obligations as a Trustee. Throughout the fund's life cycle, you must consider the individual circumstances of each member and the general condition of the fund. You need to continually reassess whether an SMSF is still the appropriate option for your retirement savings.
We are experienced in advising life insurers and their investment arms in creating long term liability- matching assets through investments in sectors such as real estate, infrastructure and energy. Drawing on the resources of our market-leading Infrastructure and Project Finance, Energy and Real Estate teams, we have deep-rooted expertise in structuring investments in these sectors to provide a level of risk commensurate with the risk appetite of insurers and their associated investment funds. We have advised on all aspects of real estate investment and development ﬁ nancings (including ‘alternative’ real estate investment sectors such as hotels, hospitals and student accommodation). Our track record in infrastructure and energy is second to none.
I understand and acknowledge that in the event there is reasonable suspicion of or any evidence of fraud or abuse regarding the claim, Assumption Life will have the right to use and exchange any information related to the claim with any relevant regulatory, investigative or government body, any healthcare provider or professional or medical organization, insurance company or reinsurer, the policyholder, my employer or any other party as provided by law for the purpose of investigating any such fraud or abuse.
For residents of all states and jurisdictions except Alabama, Arizona, Arkansas, California, the District of Columbia, Florida, Kentucky, Louisiana, Maine, Maryland, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Puerto Rico, Rhode Island, Utah, Vermont, Virginia and Washington; WARNING: Any person who knowingly and with intent to injure, defraud, or deceive any insurance company or other person, or knowing that he is facilitating commission of a fraud, submits incomplete, false, fraudulent, deceptive or misleading facts or information when filing an insurance application or a statement of claim for payment of a loss or benefit commits a fraudulent insurance act, is/may be guilty of a crime and may be prosecuted and punished under state law. Penalties may include fines, civil damages and criminal penalties, including confinement in prison. In addition, an insurer may deny insurance benefits if false information materially related to a claim was provided by the applicant or if the applicant conceals, for the purpose of misleading, information concerning any fact material thereto.
Such benefit shall be subject to any reduction provided under the Schedule of Insurance. However, NO BENEFIT WILL BE PAID if Written proof of Total Disability is not sent to The Principal within one year of the date Total Disability began. Failure to give Written proof within the time specified will not invalidate or reduce any claim if Written proof is given as soon as reasonably possible. Further, if a death benefit is paid under this section of the Group Policy, it will be in place of all other MemberLifeInsurance benefits provided under this Group Policy.
“Cigna®” and “Cigna GroupInsurance” are registered service marks of Cigna Intellectual Property, Inc., licensed for use by Cigna Corporation and its subsidiaries. ”Products and services are provided by underwriting subsidiaries of Cigna Corporation, including LifeInsurance Company of North America and Cigna LifeInsurance Company of New York and not Cigna Corporation. Cigna’s Will Preparation Services are provided under an arrangement with ARAG. Presented here are highlights of Cigna’s Will Preparation Services. Cigna’s Will Preparation Services are independently administered by ARAG®. Cigna does not provide legal services and makes no representations or warranties as to the quality of the information on the ARAG web site, the services of ARAG or of any attorney in the ARAG network.
payments begin after your chosen Waiting period expires, if the Life insured continues to be Disabled at the end of the Waiting period. the Waiting period starts when the Life insured is totally Disabled. Generally, this is the date the Life insured sees a Doctor who then certifies the Life insured to be totally Disabled. the Life insured must be continually totally Disabled for at least 14 days during the Waiting period and remain Disabled for the entire Waiting period. We will allow the Life insured to return to work for up to five consecutive days during the Waiting period without restarting the Waiting period. in such a case we will simply add the number of days the Life insured worked to the end of the Waiting period.
“We,” “Us,” and “Our” means the insurer, Greater Georgia LifeInsurance Company. In consideration of the Plan Sponsor’s application and payment of the first premium, Greater Georgia LifeInsurance Company agrees to insure those Employees and Dependents entitled to the insurance provided by this GroupInsurance Policy, subject to its terms and conditions.
FRAUD WARNING: Any person who, knowingly and with intent to defraud any insurance company or other person: (1) files an application for insurance or statement of claim containing any materially false information; or (2) conceals for the purpose of misleading, information concerning any material fact thereto, commits a fraudulent insurance act. For residents of the following states, please see page 5: California, Colorado, District of Columbia, Florida, Kentucky, Maryland, Minnesota, New Jersey, New York, Oregon, Pennsylvania, Tennessee, Texas or Virginia.
The employee is eligible on the date the employee retires from contin- uous service with the State of Washington, its higher education insti- tutions or political subdivisions participating in the PEBB LifeInsurance Program, is not on waiver of premium, and is eligible for and partic- ipating in a pension plan controlled and administered by the State of Washington, its higher education institutions or political subdivisions participating in the PEBB LifeInsurance Program. If an employee is on waiver of premium at retirement, the employee is eligible on the date their waiver of premium benefit terminates.