Supplemental Insurance Benefits

Whole Life:

• The Plan Provides:
  • Premiums due until age 99
  • Benefit amount of $5,000 - $40,000
• Guarantee Issue Coverage:
  • Employee Coverage: Up to $40,000
  • Spouse Coverage: Up to $10,000
  • Child(ren) Coverage: Up to $10,000
• Also Includes:
  • Terminal Illness Acceleration Benefit
  • Facility Care Acceleration Benefit
  • Portability

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Term Life:

• Pays a death benefit to your beneficiary
• Pays an accelerated living benefit to you if you are diagnosed with a terminal illness.
• Provides guaranteed level premiums for a 10 year term.
• Guarantee Issue Amounts:
  • Employee - Up to $40,000
  • Spouse - Up to $10,000
  • Children - Up to $10,000

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Receive a Benefit if You Have an Accident

• Can cover you, your spouse and your children.
• Pays benefits directly to you, in addition to any other coverage you may have, unless otherwise designated.
• Two levels of coverage to complement your benefits package.
• Includes a $50 wellness screening benefit.

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• Pays a lump sum benefit directly to you if diagnosed with a serious illness, unless otherwise designated.
• Provides a benefit that can be used as you wish
• Pays in addition to any other coverage you may have
• Can cover you, your spouse and your children
• You or a covered member of your family are diagnosed with a covered critical illness, such as a heart attack, stroke or cancer
• Benefit Amounts:
  • FASA Member - $10,000 to $30,000
  • Dependents - Spouse = Half of the employee's coverage amount; Child = Half of the employee's coverage amount to a max of $5,000

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Provides cash benefits when you or your family are hospitalized:

• Hospital Indemnity Benefit - If a covered person is confined as an inpatient in a hospital, pays a daily benefit of $200 for up to 30 days.
• Intensive Care/Cardiac Care/Burn Unit - Pays a daily benefit of $200 for up to 30 days when confined to an intensive care unit.
• Waives Premium - Waives premium if you become totally disabled for at least 90 consecutive days after the effective date of coverage.
• First Hospitalization Admission Benefit - If confined as an inpatient in a hospital for the first time during a calendar year, pays a one-time lump sum payment of $1,500.
• Wellness Screening - Pays a cash benefit of $50 when a member has one or more of the 21 covered screening tests. This screening benefit is payable once per covered person per calendar year.

Highlights:

• Pays in addition to any other insurance.
• Guarantee to Issue.
• Pre-existing conditions waived.
• Childbirth and complications of pregnancy covered

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• Covers:
  • Office/Telephone Consultations - Fully Covered
  • Consumer Protection Matters - Fully Covered
  • Debt Collection Defense - Fully Covered
  • Foreclosure Assistance - Fully Covered+
  • Personal Bankruptcy/Wage Earner Plan - Fully Covered+
  • Administrative Hearing Representation - Fully Covered
  • Civil Litigation - Plaintiff & Defendant
  • Incompetency Defense - Fully Covered
  • Personal Legal Document Prep/Review - Fully Covered - no page limit
  • Divorce, Dissolution, and Annulment - Contested & Uncontested*+
  • Enforcement or Modification Matters - Contested & Uncontested*+
  • Name Change - Fully Covered
  • Domestic Adoption - Contested & Uncontested
  • Child Support/Custody Establishment - Contested & Uncontested*+
  • Guardianship or Conservatorship - Fully Covered
  • Immigration Assistance - Fully Covered**
  • Personal Injury - First $1,000 exempt from fee
  • Eviction and Tenant Problems - Fully Covered - tenant only
  • Sale or Purchase of Home (Primary) - Fully Covered
  • Juvenile Defense - Fully Covered
  • Misdemeanor Defense - Fully Covered
  • Traffic Violations - Fully Covered
  • DUI - First Offense
  • Powers of Attorney - Fully Covered
  • Probate - Fully Covered
  • Wills/Codicils/Simple Trusts - Fully Covered
  • All other legal matters - 33.3% discounted rate
• Identity Defender Gold covers a variety of benefits including fraud monitoring, credit card monitoring, dark web monitoring, SSN fraud monitoring, Credit Bureau monitoring and more. See summary for complete coverage.

*Subject to 12-hour limitation. **Visa Extension, Naturalization, & Deportation matters. +Subject to 120-day waiting period. Out-of-Network benefits available for all covered matters. Some limitations and exclusions apply. See Policy for more detail.

• 15 hours of Family Law
• Contested Guardianship
• IRS Audit Protection
• IRS Collection Defense
• Real Estate matters for Secondary Residence
• Domestic Partner Coverage
• Dependent age increased to 26
• Felony coverage for the Policyholder
• Waiver of the 120-day waiting period when you enroll within the first 30 days

• Family Defender (Legal) - $14.75 member; $15.50 family
• Identity Defender (ID) - $5.95 member; $8.95 family
• Family + Identity Combo - $19.00 member; $23.00 family.

Covered services include reduced rates on elective services that are traditionally excluded or limited on your health plan such as:

• Acupuncture
• Anti-Aging
• Bariatric
• Chiropractic
• Dermatology
• Fertility
• Hair Restoration
• Hearing
• MedSpa
• Mental Wellness
• Physical Therapy
• Plastic Surgery
• Surgical Vision
• Veterinary
• Vein Therapy
• Weight Loss
• And more!