Workplace Solutions

Five easy-to-sell pre-packaged plans plus a customizable plan that can be tailored to meet employees’ specific needs.

 

Workplace Solutions
 
Base, Bronze, Silver, Gold, Platinum
Pre-packaged Products
Flex Plan
Maximum Lifetime Benefit
  • Base: $50,000
  • Bronze: $100,000
  • Silver: $150,000
  • Gold: $200,000
  • Platinum: $250,000
  • $50,000 to $500,000 (in $25,000 increments) or
  • Lifetime
Maximum Monthly Benefit (MMB)
  • Base: $2,000
  • Bronze: $3,000
  • Silver: $4,000
  • Gold: $5,000
  • Platinum: $6,000
  • $1,500 to $15,000
Cash Benefit
  • 40% of home health care maximum monthly benefit
  • 40% of home health care maximum monthly benefit
  • Option to increase to 50%
Elimination Period (Calendar day)
  • 90 days
  • Cash benefit - 0 days
  • 90, 180, 365 days
  • Cash benefit - 0 days
Inflation Protection Options
  • Lifetime (5% compounded annually)
  • Compound Inflation with Guaranteed Buy-up Option (4.5%, 4%, 3.5%, 3%)
  • No inflation protection
  • Lifetime (5% compounded annually)
  • Lifetime (5% simple)
  • 2x, 3x, 4x maximum increase (5% compounded annually)
  • Compound Inflation with Guaranteed Buy-up Option (4.5%, 4%, 3.5%, 3%)
  • No inflation protection with future purchase option
Optional Benefits
  • Spouse Shared Care
  • Non-Forfeiture/Shortened Benefit Period
  • Spouse shared care
  • Spouse waiver of premium
  • Spouse survivorship
  • Spouse security
  • Non-forfeiture/Shortened Benefit Period
  • Waiver of elimination period for home health care
  • Restoration of benefits
Underwriting Programs
  • Modified guaranteed issue (Select underwriting only)
  • Simplified issue (Select underwriting only)
  • Full underwriting (Preferred, Select, Class I and Class II)
  • Modified guaranteed issue (Select underwriting only)
  • Simplified issue (Select underwriting only)
  • Full underwriting (Preferred, Select, Class I and Class II)

Benefits and features may vary by state.

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