January 1, 2019- December 31, 2019 Employee Benefits...

January 1, 2019- December 31, 2019

Employee Benefits Guide

Read full descriptions and plan details at mymarkiii.com

This guide is a brief summary of benefits

offered to your group and does not

constitute a policy.

Your employer may amend the benefits

program at any time. Your Summary Plan

Description (SPD) will contain the actual

detailed provisions of your benefits. The

SPD will be available at mymarkiii.com

If there are any discrepancies between the

information in this guide and the SPD, the

language in the SPD will always prevail.

DISCLAIMER


I’m here to help guide you through the benefits offered by your employer. If you have any questions regarding your benefits, please feel free to contact me at:

Pre-TaxA “pre-tax basis” means that the money you pay towards the cost of coverage comes out of your salary before you pay any taxes on it. By choosing this option, you reduce your taxable income, therefore reducing the taxes you owe. If you choose this option, you cannot drop coverage until the next annual enrollment period or until you have a qualifying change in your status (i.e. birth of a child, divorce, separation, reduction in hours, etc.).If your premiums are deducted on a pre-tax basis, any benefits received under the plan could be treated as taxable income.

Post-TaxA “post-tax basis” means that the money you pay towards the cost of coverage comes out of your salary after you pay taxes. Although you do not get any savings from taxes, you have the flexibility of dropping your coverage at any time. If your employer allows, you may also enroll any time during the year but, depending on the plan, you may be subject to waiting periods for pre-existing conditions, or you may have to furnish Evidence of Insurability (EOI).

vs.

Pre-Tax Plans Offered: Post-Tax Plans Offered:

• Masetro Flexible Spending

Account

• Ameritas Dental

• CEC Vision Plan

• Aflac Group Accident

• Aflac Group Hospital Indemnity

• MetLife Cancer

• Aflac Group Critical Illness

• AUL Short-Term Disability

• AUL Long-Term Disability

• AUL Term Life

• Aflac Term Life

• Trustmark Universal Life

As stated in the disclaimer, this guide is simply a brief summary of benefits offered and does not constitute a policy. Before we review benefits offered, let’s look at the difference in pre-tax vs post-tax benefits.

(800) 532-1044 (toll-free)

(704) 365-4280 x306

[email protected]

Hi, Harnett County Schools Employee!


What’s New or Changing?Before making your benefit elections, review this guide. It’s important that you correctly enroll in the coverage that is right for you and your family. If you wish to add or make changes to your insurance coverage(s), please consult with a Benefits Representative during your scheduled enrollment period.

Harnett County Schools is pleased to announce Mark III Employee Benefits has been selected as our new Flexible Benefits plan provider for the plan year January 1, 2019 –December 31, 2019. Mark III is an employee Benefits firm that has worked in the Public Sector since 1973, and currently provides plans to more than 120 Public Sector customers throughout the region.


Important Points for 2019• Your plan year runs from January 1, 2019 to December 31,

2019. This means your benefit elections will take effect January 1, 2019.

• If you wish to add or make changes to your benefit elections, please consult with a Mark III Benefits Representative during your scheduled enrollment period.

• Once the enrollment period is over, you will not be able to make changes unless you experience a qualified life event as outlined by the IRS.


Qualifying Life EventsOpen Enrollment selections are generally locked for the plan year, but certain exceptions called Qualifying Life Events (QLEs) can grant you a special enrollment period in which to make midyear changes. You are permitted to change benefit elections if you have a “change in status” and you make an election change that is consistent with the “change in status.”

Examples of QLEsThe following events will open a special 31-day enrollment period from the date of

the event, allowing you to make changes to your coverage.

marriage divorce childbirth/adoption

death of a family

member

loss of parental coverage

spouse gains or loses coverage


How to Enroll

On-SiteOur non-commissioned, salaried Benefits Counselors are available to meet with employees like yourself, on-site to explain the benefits offered and help you enroll.

No matter what your schedule holds or which location you work, we have multiple ways to enroll or elect changes to your benefits.


View Your BenefitsFind details about all of your benefits, download forms, submit claims, ask questions, and more at mymarkiii.com.

Benefits Guide

Product Videos

Policy Certificates

Plan Forms

Contact Info

Enrollment Info

Available 24/7* from any internet enabled device for your convenience.

*-As with all technology, due to technical difficulties beyond our control there may be small windows of time the benefits website is down. In the case of outage, plan information can always be requested from your HR office or Mark III Employee Benefits


COREBENEFITSMedical, Dental, & Vision options to keep you and your family healthy.


Flexible Spending Account

Flexible Spending Accounts (FSAs) allow you to pay certain healthcare and dependent care expenses with pre-tax money. (The key to the Flexible Saving Plans is that your eligible expenses are paid for with Tax Free Dollars!) You will not pay any federal, state or social security taxes on funds placed in the Plan. You will save, approximately, $27.65 to $37.65 on every $100 you place in the Plan. The amount of your savings will depend on your federal tax bracket.

There are 2 types of FSAs:• A Health Care FSA: With this account, you can pay for your out of pocket health care

expenses for yourself, your spouse and all of your tax dependents for healthcare services that are incurred during your plan year and while an active participant. Eligible expenses are those incurred “for the diagnosis, cure, mitigation, treatment, or prevention of dis-ease, or for the purpose of affecting any structure or function of the body. “ This is a broad definition that lends itself to creativity.. Contribution limit for 2019: $2,650.00.

• A Dependent Care FSA The Day Care/Aged Adult Care FSA allows you to pay for day care expenses for your qualified dependent/child with pre-tax dollars. Eligible Day Care/Aged Adult Care expenses are those you must pay for the care of an eligible dependent so that you and your spouse can work. Eligible dependents, as revised under Section 152 of the Code by the Working Families Tax Act of 2005, are defined as either dependent children or dependent relatives that you claim as dependents on your taxes. Refer to the Employee Guide for more details. Contribution limit for 2019: $5,000.00.

Examples of Expenses• Acupuncture• Surgery• Prescription Eyeglasses• Contact Lens & supplies• Eye Exams/Laser Eye Surgery• Physician• Ambulance• Psychiatrist• Psychologist• Anesthetist

• Hospital• Chiropractor• Laboratory• Fertility• Physicals• Oxygen• Physical Therapy• Hearing Aids• Prescriptions• Au Pair

• Nannies• Before & After Care• Day Camps• Babysitters• Daycare for Elderly Dependent• Nursery school• Sick Child Center• Licensed Day Care Center


Flexible Spending Account

Benefits Debit CardThe Benefit Card can be used as a direct payment method for eligible expenses incurred at approved service providers and merchants. Using your card allows you instant access to your funds with no out of pocket expense. Benefits Cards are available upon request of the account holder for dependents over the age of 18. Please keep all your itemized receipts. Maestro Health may request documentation to substantiate Benefits Card transactions to determine eligibility of an expense.

How the FSA Plans Work

By taking advantage of the Flexible Savings Plan this employee was able to increase his/her spendable income by $154.84 every month! This means an annual tax savings of $1,908.48. Remember, with the FLEXIBLE SAVINGS PLAN, the better you plan the more you save!

Without FSA With FSA

Gross Monthly Income $2,500.00 $2,500.00

Eligible Pre-Tax employer medical insurance $0.00 $200.00

Eligible Pre-Tax medical expenses $0.00 $60.00

Eligible Pre-Tax dependent child care expenses $0.00 $300.00

Taxable Income $2,500.00 $1,940.00

Federal Tax (15%) $375.00 $291.00

State Tax (5.75%) $125.00 $97.00

FICA Tax (7.65%) $191.25 $148.41

After-Tax employer medical insurance $200.00 $0.00

After-Tax medical expenses $60.00 $0.00

After-Tax dependent child care expenses $300.00 $0.00

Monthly Spendable Income $1,248.75 $1,403.59


Dental PlanProper dental care is important and taking care of your oral health is an investment in your overall well being. Your coverage is provided by Ameritas and it covers preventative, basic, and major dental procedures.

Deductible$100 Lifetime per person. Applies to Preventative, Basic and Major Services.

Type 1 – Preventative & Diagnostic

Type 1 benefits are payable at 100% U&C**

Type 2 – Basic ProceduresType 2 benefits are payable

at 80% U&C**

Type 3 – Major ProceduresType 3 benefits are payable

at 50% U&C**

Routine Exam (2 per benefit period)

Full Mouth/Panoramic X-Rays (1 in 2 years)

Space Maintainers

Bitewings X-rays (1 per benefit period)

Periapical X-Rays Onlays

Cleaning (2 per benefit period)

Restorative Amalgams Crowns( 1 in 5 years per tooth)

Fluoride for Children 15 and under (1 per benefit period)

Restorative Composites Crown Repair

Sealants (age 15 and under) Simple Extractions Endodontics (nonsurgical and surgical)

Palliative Periodontics (nonsurgical and surgical)

Oral Cancer Screening (age 35 and over) (1 in 2 years )

Denture Repair

**Usual and Customary Charges

Implants

Prosthodontics (fixed bridge: removable complete/partial dentures) (1 in 5 years)

Complex Extractions

Anesthesia

Procedures

Annual Maximum (per person)$1,500 per calendar


Dental Plan

Covered 12 pay monthly rates 10 pay monthly rates

Employee Only $32.10 $38.52

Employee + Spouse $64.18 $77.02

Employee + Dependent Child(ren) $78.44 $94.13

Employee, Spouse, + Dependent Child(ren) $120.12 $144.14

Waiting Periods Basic- 6 months ,Type 2 New Enrollees Only Major and Ortho – 12 months. , Type 3 New Enrollees Only

Orthodontia Summary- Child Only CoverageAllowance U&CPlan Benefit 50%Lifetime Maximum (per person) $1,500Waiting Period 12 months New Enrollees Only

12 Pay and 10 Pay Monthly Rates


Vision PlanWe need to take care of our eyes like we take care of our bodies and teeth; care should be preventative, not reactive. Many simply vision problems go undiagnosed. A comprehensive eye exam is not only important to your vision, but can help your eye care provider identify other systematic issues such as diabetes, hypertension, and high cholesterol.

Community Eye CareCommunity Eye Care vision benefits are simple and easy to use. The plan enables you and your family members to significantly reduce what you spend on routine eye care. The plan covers eye exams, glasses, and contact lenses. Because Community Eye Care has such a large network of optometrists (OD), ophthalmologists (MD) and retail optical chains, you have easy assess to every type of provider.

Employee Option

Comprehensive Plan

12 Pay Monthly Rate

Comprehensive Plan

10 Pay Monthly Rate

Eyewear Plan 12 Pay Monthly

Rate

Eyewear Plan 10 Pay Monthly

Rate

Employee Only $9.22 $11.06 $7.98 $9.58

Employee + Spouse

$16.60 $19.92 $15.96 $19.15

Employee + Child(ren)

$17.87 $21.44 $16.76 $20.11

Employee + Family

$26.27 $31.52 $23.94 $28.73

12 pay and 10 pay Monthly Rates

Comprehensive Plan Eyewear Plan

Eye Examination (12 months) $10 co-pay N/A

Eyewear allowance of $200 per person (12 months)

$0 co-pay $0 co-pay

A contact lens fitting, re-fit or evaluation (once a year)

$0 co-pay $0 co-pay


STAYWELLVoluntary Benefit Options that enhance your and your family’s well being.


Cancer PlanWith the rates of cancer increasing, cancer treatment can lead to unexpected expenses to add to your financial burden. Cancer coverage fills in the gaps your medical insurance doesn’t cover. Benefits are paid directly to you and can be used for a variety of purposes.

Plan Features• Donor Benefits• Wellness Benefits• Many Benefits have No Lifetime Maximum• Covers certain Lodging & Transportation• Portable (take your coverage with you)• In & Out of Hospital Benefits• Pays regardless of other coverage.

Benefit Benefit Amounts

Wellness Benefit $100 per calendar year

Positive Diagnosis Test Up to $300 per calendar year

First Diagnosis Benefit $0 - $5000 depending on chosen option

Second & Third Surgical Opinions Incurred expenses

Non-Local Transportation Actual billed charges by a common carrier or $0.50 per mile if personal vehicle used

Adult Companion Lodging & Transportation Up to $75 per day for lodging, $0.50 per mile if personal vehicle used.

Ambulance Incurred expenses

Surgery Up to $3,000

Donor Benefit Bone Marrow & Stem Cell Transplant $200 medical expense, actual billed charges for round trip coach fare or $0.50 per mile for personal vehicle, actual billed charges up to $50 per day for lodging and meal expense.

Benefits


Cancer Plan


Bone Marrow & Stem Cell Transplant Incurred expenses up to a combined lifetime maximum of $15,000

Anesthesia The product pays up to 25% of the surgical benefit paid. It also pays $100 maximum per Covered Person for anesthesia in connection with skin Cancer that is not malignant melanoma.

Ambulatory Surgical Center $250 per day

Drugs & Medicines Up to $25 per day, $600 per calendar year

Outpatient Anti-Nausea Drugs Up to $250 per calendar year

Radiation, Radioactive Isotopes Therapy, Chemotherapy, or Immunotherapy

Up to $2,500 per month (options 1 & 2)Up to $5,000 per month (options 3 & 4)

Miscellaneous Diagnostic Charges Incurred expenses up to a lifetime maximum of $10,000

Self-Administered Drugs Incurred expenses up to $4,000 per month

Colony Stimulating Factors Incurred expenses up to $500 per month

Blood, Plasma, & Platelets Incurred expenses up to $200 per day

Physician’s Attendance Up to $35 per day

Private Duty Nursing Service Up to $100 per day

National Cancer Institute Designated Comprehensive Treatment Center Evaluation/Consultation

Actual billed charges limited to a lifetime maximum up to $750 for evaluation. Actual billed charges limited to a lifetime maximum up to $350 for transportation and lodging.

Breast Prothesis Incurred expenses

Artificial Limb or Prosthesis Up to $1,500 lifetime maximum per amputation

Benefits (continued)


Cancer Plan


Physical or Speech Therapy Up to $35 per session

Extended Benefits $300 per day

Extended Care Facility Up to $50 per day

At Home Nursing Up to $100 per day

New or Experimental Treatment Up to $7,500 per calendar year

Hospice Care Up to $50 per day

Government or Charity Hospital $200 per day

Hairpiece Incurred expenses up to a lifetime maximum of $150

Rental or Purchase of Durable Goods Incurred expenses up to $1,500 per calendar year

Waiver of Premium After 60 days

Hospital Confinement $100 per day

Benefits (continued)

Other Specified Diseases Covered• Addison’s Disease• Scarlet Fever• Multiple Sclerosis• Cystic Fibrosis• Tay-Sachs Disease• Myasthenia Gravis• Encephalitis• Epilepsy• Osteomyelitis• Hansen’s Disease• Tularemia

• Rabies• Lupus Erythematosus• Undulant Fever• Rheumatic Fever• Malaria• Meningitis• Amyotrophic Lateral Sclerosis• Sickle Cell Anemia• Muscular Dystrophy• Diphtheria• Tetanus

• Niemann-Pick Disease• Toxic Epidermal Necrolysis• Tuberculosis• Poliomyelitis• Legionnaire’s Disease• Typhoid Fever• Reye’s Syndrome• Lyme Disease• Whipple’s Disease• Rocky Mountain Spotted Fever


Cancer Plan

Benefit Option 1 Option 2 Option 3 Option 4

Hospital Confinement $100 $100 $100 $100

Surgical $3,000 $3,000 $3,000 $3,000

Radiation/Chemotherapy per month

$2,500 $2,500 $5,000 $5,000

First Diagnosis $0 $2,500 $0 $5,000

Colony Stimulating Factors per month

$500 $500 $500 $500

Wellness $100 $100 $100 $100

Intensive Care Rider $0 $325 $0 $625

Variable Benefit Elections

Coverage Tier Option 1 Option 2 Option 3 Option 4

12Pay

10 Pay

12Pay

10Pay

12Pay

10Pay

12Pay

10Pay

Employee $17.65 $21.18 $23.38 $28.06 $19.63 $23.56 $30.89 $37.07

Employee + Spouse $35.57 $42.68 $47.60 $57.12 $39.44 $47.33 $62.87 $75.44

Employee + Child(ren) $25.19 $30.23 $33.20 $39.84 $27.64 $33.17 $43.36 $52.03

Employee, Spouse, + Dependent Child(ren)

$43.10 $51.72 $57.43 $68.92 $47.45 $56.94 $75.34 $90.41

12 Pay and 10 Pay Monthly Rates


Accident PlanAccidents happen as a fact of life. An accident plan can help with unexpected expenses. Aflac Group Accident can pay a benefit based on the injury you sustain and the various treatments and/or services received, regardless of what is covered by your medical insurance. For details of payouts for treatments & services, please review your certificate or detailed SBC on the benefits microsite.

Plan Features• Benefits are payable regardless of any other insurance programs.• Coverage is guaranteed-issue, provided the applicant is eligible for coverage.• Benefits for both inpatient and outpatient treatment of covered accidents.• Available for spouse and/or dependent children.• No limit to the number of claims an insured can file.• Premiums are paid by convenient payroll deduction.• Immediate effective date – Coverage will be effective the date the employee signs the

application.• 24-Hour Coverage• Plan is portable with certain stipulations. See certificate for details.• This is a brief product overview only. The plans have limitations and exclusions that

affect benefits payable. Refer to the plan for complete details, limitations, and exclusions.

Covered 12 Pay Rates 10 Pay Rates

Employee Only $16.20 $19.44

Employee + Spouse $23.16 $27.79

Employee + Dependent Child(ren) $30.90 $37.08

Employee, Spouse, + Dependent Child(ren) $37.86 $45.43

12 pay and 10 pay monthly Rates

Continental American Insurance Company (CAIC), a proud member of the Aflac family of insurers, is a wholly-owned subsidiary of Aflac Incorporated and underwrites group coverage. CAIC is not licensed

to solicit business in New York, Guam, Puerto Rico, or the Virgin Islands.


Critical Illness Planwith Cancer

Critical Illness insurance provides lump sum benefits upon diagnosis of each critical illness or event. These events are often life-changing and while major medical insurance can help with the cost of treatment, Aflac Group Critical Illness can help you and your family pay those out-of-pocket expenses that may pile up. Benefits are paid directly to you to spend how you choose.

Plan Features

Underwriting Guidelines – Guaranteed IssueGuaranteed-issue coverage is offered during the first three annual open enrollments and for new hires thereafter: Up to $30,000 for employees and up to $15,000 for spouses with no participation requirement. For employee amounts over $30,000 and spouse amounts over $15,000: All applicants are required to answer underwriting questions. Employees who would otherwise be declined will be issued the lesser of the amount applied for or the guaranteed-issue limit.

Individual EligibilityEmployees: Ages 18+Spouses: Ages 18+Children under age 26

• Benefits are paid directly to you, unless otherwise assigned.• Premiums are paid through convenient payroll deduction.• Guaranteed-issue coverage available to both employee and spouse.• Each dependent child is covered at 50% of the primary insured amount at no additional

charge.• Benefit amounts are available from $5,000 up to $50,000 for employees and up to

$30,000 for spouse.• An annual health screening benefit included.• Plan is portable under certain stipulations. See certificate for complete details.• Covers: heart attack, stroke, major organ transplant, kidney failure (end stage), coronary

artery bypass, coma, paralysis, severe burns, loss of speech, sight, or hearing, as well as some additional heart procedures.



BenefitsInitial Diagnosis+ – An insured may receive up to 100% of his face amount upon the diagnosis of a covered critical illness.

Critical Illnesses Covered Under Plan Percentage of Face Amount

Cancer (Internal or Invasive) 100%

Heart Attack 100%

Major Organ Transplant 100%

Kidney Failure (End Stage) 100%

Stroke 100%

Bone Marrow Transplant (Stem Cell Transplant) 100%

Sudden Cardiac Arrest 100%

Non-Invasive Cancer 25%

Coronary Artery Bypass Surgery 25%

Coma** 100%

Burns* 100%

Paralysis** 100%

Loss of Sight, Hearing or Speech** 100%

Skin Cancer $250 once per calendar year/insured

Transient Ischemic Attack (TIA) $250 once per calendar year/insured

Benefits will be based on the face amount in effect on the critical illness date of diagnosis.

*This benefit is only payable for burns due to, caused by, and attributed to, a covered accident.**These benefits are payable for loss due to a covered underlying disease or a covered accident.Benefits will be based on the face amount in effect on the critical illness date of diagnosis.

Additional Diagnosis Benefit+ – Once benefits have been paid for a covered critical illness, we will pay benefits for each different critical illness when the date of diagnosis is separated by at least 6 consecutive months.

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Re-Occurrence Benefit +– Once benefits have been paid for a covered critical illness, benefits are payable for that same critical illness when the date of diagnosis is separated by at least 6 consecutive months. If the claim is for a cancer diagnosis, the insured must be treatment-free from cancer for at least 12 months and must be in complete remission before the date of a subsequent cancer diagnosis.

Health Screening Benefit - $100 – After the Waiting Period, an insured employee and/or spouse may receive a maximum of $100 for any one covered screening test per calendar year. We will pay this benefit regardless of the results of the test. Payment of this benefit will not reduce the amount payable for the diagnosis of a critical illness. There is no limit to the number of years the Insured can receive the health screening benefit. Not paid for dependent children.

Heart Event Rider

Surgeries and Procedures Covered Under Plan Percentage of Maximum Benefit

Category 1 – Specified Surgeries of the Heart


Mitral Valve Replacement or Repair 100%

Aortic Valve Replacement or Repair 100%

Surgical Treatment of Abdominal Aortic Aneurysm 100%

Category 2 – Invasive Procedures and Techniques of the Heart

AngioJet Clot Busting 10%

Balloon Angioplasty (or Balloon valvuloplasty) 10%

Laser Angioplasty 10%

Artherectomy 10%

Stent Implantation 10%

Cardiac Catherization 10%

Automatic Implantable (or internal Cardioverter Defibrillator (AICD) 10%

Pacemakers 10%

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Cancer Diagnosis LimitationBenefits are payable for Cancer and/or Non-Invasive Cancer as long as the Insured:• Is treatment-free from cancer for at least 12 months before the diagnosis date; and• Is in complete remission prior to the date of a subsequent diagnosis, as evidenced by the absence of all

clinical, radiological, biological, and biochemical proof of the presence of the cancer.

ExclusionsWe will not pay for loss due to any of the following: • Self-Inflicted Injuries – injuring or attempting to injure oneself intentionally or taking action that causes

oneself to become injured.• Suicide – committing or attempting to commit suicide, while sane or insane.• Illegal Acts – participating or attempting to participate in an illegal activity, or working at an illegal job.• Participation in Aggressive Conflict of any kind, including:

• War (declared or undeclared) or military conflicts. This does not include terrorism.• Insurrection or riot.• Civil commotion or civil state of belligerence.

• Illegal substance abuse, which includes the following:• Abuse of legally-obtained prescription medication.• Illegal use of non-prescription drugs.

• Diagnosis, treatment, testing, and confinement must be in the United States or its territories. • All benefits under the plan, including benefits for diagnoses, treatment, confinement and covered tests, may be payable only while coverage is in force.

This summary is a brief description of coverage, not a contract. Read your certificate carefully for exact plan language, terms, and conditions. If this coverage will replace any existing individual policy, please be aware that it may be in your

best interest to maintain your individual guaranteed-renewable policy.

Continental American Insurance Company (CAIC), a proud member of the Aflac family of insurers, is a wholly-owned subsidiary of Aflac Incorporated and underwrites group coverage. CAIC is not licensed to solicit business in New York,

Guam, Puerto Rico, or the Virgin Islands.AGC1804598 IV (10/18)

Optional Benefits Rider Optional Benefits Rider Illnesses Covered Under Plan Percentage of Face Amount

• Benign Brain Tumor 100% • Advanced Alzheimer’s Disease 25% • Advanced Parkinson’s Disease 25% • Benefits are payable if an insured is diagnosed with one of the conditions listed.

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NON-TOBACCO: Employee

$5000 $10,000 $15,000 $20,000 $25,000 $30,000 $35,000 $40,000 $45,000 $50,000

18-29 $5.75 $8.42 $11.09 $13.77 $16.44 $19.11 $21.78 $24.45 $27.12 $29.79

30-39 $7.24 $11.40 $15.56 $19.72 $23.88 $28.04 $32.20 $36.37 $40.53 $44.69

40-49 $11.90 $20.72 $29.54 $38.36 $47.18 $56.00 $64.82 $73.64 $82.46 $91.28

50-59 $19.30 $35.52 $51.74 $67.95 $84.17 $100.39 $116.61 $132.83 $149.05 $165.26

60+ $32.99 $62.90 $92.81 $122.72 $152.63 $182.54 $212.45 $242.36 $272.27 $302.18

NON-TOBACCO: Spouse

$5000 $10,000 $15,000 $20,000 $25,000 $30,000

18-29 $5.75 $8.42 $11.09 $13.77 $16.44 $19.11

30-39 $7.24 $11.40 $15.56 $19.72 $23.88 $28.04

40-49 $11.90 $20.72 $29.54 $38.36 $47.18 $56.00

50-59 $19.30 $35.52 $51.74 $67.95 $84.17 $100.39

60+ $32.99 $62.90 $92.81 $122.72 $152.63 $182.54

12 Pay Rates



TOBACCO: Employee

$5000 $10,000 $15,000 $20,000 $25,000 $30,000 $35,000 $40,000 $45,000 $50,000

18-29 $7.01 $10.94 $14.87 $18.80 $22.73 $26.66 $30.59 $34.52 $38.44 $42.37

30-39 $10.11 $17.13 $24.16 $31.18 $38.21 $45.23 $52.26 $59.28 $66.31 $73.33

40-49 $18.07 $33.06 $48.04 $63.03 $78.02 $93.01 $108.00 $122.99 $137.97 $152.96

50-59 $31.01 $58.94 $86.86 $114.79 $142.72 $170.65 $198.57 $226.50 $254.43 $282.36

60+ $54.24 $105.41 $156.57 $207.74 $258.90 $310.06 $361.23 $412.39 $463.55 $514.72

TOBACCO: Spouse

$5000 $10,000 $15,000 $20,000 $25,000 $30,000

18-29 $7.01 $10.94 $14.87 $18.80 $22.73 $26.66

30-39 $10.11 $17.13 $24.16 $31.18 $38.21 $45.23

40-49 $18.07 $33.06 $48.04 $63.03 $78.02 $93.01

50-59 $31.01 $58.94 $86.86 $114.79 $142.72 $170.65

60+ $54.24 $105.41 $156.57 $207.74 $258.90 $310.06

12 Pay Rates



$5000 $10,000 $15,000 $20,000 $25,000 $30,000 $35,000 $40,000 $45,000 $50,000

18-29 $6.90 $10.10 $13.31 $16.51 $19.72 $22.92 $26.13 $29.33 $32.54 $35.75

30-39 $8.68 $13.68 $18.67 $23.66 $28.65 $33.65 $38.64 $43.63 $48.63 $53.62

40-49 $14.27 $24.86 $35.44 $46.02 $56.61 $67.19 $77.77 $88.36 $98.94 $109.53

50-59 $23.15 $42.61 $62.08 $81.54 $101.00 $120.46 $139.92 $159.39 $178.85 $198.31

60+ $39.58 $75.47 $111.37 $147.26 $183.15 $219.04 $254.94 $290.83 $326.72 $362.61

$5000 $10,000 $15,000 $20,000 $25,000 $30,000

18-29 $6.90 $10.10 $13.31 $16.51 $19.72 $22.92

30-39 $8.68 $13.68 $18.67 $23.66 $28.65 $33.65

40-49 $14.27 $24.86 $35.44 $46.02 $56.61 $67.19

50-59 $23.15 $42.61 $62.08 $81.54 $101.00 $120.46

60+ $39.58 $75.47 $111.37 $147.26 $183.15 $219.04

10 Pay Rates NONTOBACCO: Employee

NONTOBACCO: Spouse



$5000 $10,000 $15,000 $20,000 $25,000 $30,000 $35,000 $40,000 $45,000 $50,000

18-29 $8.41 $13.12 $17.84 $22.55 $27.27 $31.98 $36.70 $41.41 $46.13 $50.84

30-39 $12.12 $20.55 $28.98 $37.41 $45.84 $54.27 $62.70 $71.13 $79.56 $87.99

40-49 $21.68 $39.66 $57.65 $75.63 $93.62 $111.61 $129.59 $147.58 $165.56 $183.55

50-59 $37.20 $70.72 $104.23 $137.74 $171.26 $204.77 $238.28 $271.80 $305.31 $338.82

60+ $65.09 $126.48 $187.88 $249.28 $310.67 $372.07 $433.47 $494.86 $556.26 $617.66

$5000 $10,000 $15,000 $20,000 $25,000 $30,000

18-29 $8.41 $13.12 $17.84 $22.55 $27.27 $31.98

30-39 $12.12 $20.55 $28.98 $37.41 $45.84 $54.27

40-49 $21.68 $39.66 $57.65 $75.63 $93.62 $111.61

50-59 $37.20 $70.72 $104.23 $137.74 $171.26 $204.77

60+ $65.09 $126.48 $187.88 $249.28 $310.67 $372.07

10 Pay Rates TOBACCO: Employee

TOBACCO: Spouse


Critical Illness PlanCritical Illness insurance provides lump sum benefits upon diagnosis of each critical illness or event. These events are often life-changing and while major medical insurance can help with the cost of treatment, Aflac Group Critical Illness can help you and your family pay those out-of-pocket expenses that may pile up. Benefits are paid directly to you to spend how you choose.

Plan Features• Benefits are paid directly to you, unless otherwise assigned.• Premiums are paid through convenient payroll deduction.• Guaranteed-issue coverage available to both employee and spouse.• Each dependent child is covered at 50% of the primary insured amount at no additional

charge.• Benefit amounts are available from $5,000 up to $50,000 for employees and up to

$30,000 for spouses.• An annual health screening benefit included.• Plan is portable under certain stipulations. See certificate for complete details.• Covers: heart attack, stroke, major organ transplant, kidney failure (end stage), coronary

artery bypass, coma, paralysis, severe burns, loss of speech, sight, or hearing, as well as some additional heart procedures.

Underwriting Guidelines – Guaranteed IssueGuaranteed-issue coverage is available for all eligible employees. The following options are available: Up to $30,000 for employees and up to $15,000 per spouses with no participation requirement.For employee amounts over $30,000 and spouse amounts over $15,000:All applicants are required to answer underwriting questions. Employees who would otherwise be declined will be issued the lesser of the amount applied for or the guaranteed-issue limit.

Individual EligibilityEmployees: Ages 18+Spouses: Ages 18+Children under age 26

PortabilityThe plan is portable, which means you can take your coverage with you if you change jobs or retire (with certain stipulations).

Without Cancer


Critical Illness PlanBenefitsInitial Diagnosis An insured may receive up to 100% of his face amount upon the diagnosis of a covered critical illness.

Continental American Insurance Company (CAIC), a proud member of the Aflac family of insurers, is a wholly-owned subsidiary of Aflac Incorporated and

underwrites group coverage. CAIC is not licensed to solicit business in New York, Guam, Puerto Rico, or the Virgin Islands.

Critical Illnesses Covered Under Plan Percentage of Face Amount

Heart Attack 100%

Major Organ Transplant 100%

Kidney Failure (End Stage) 100%

Stroke 100%

Bone Marrow Transplant (Stem Cell Transplant) 100%

Sudden Cardiac Arrest 100%


Coma** 100%

Severe Burns * 100%

Paralysis** 100%

Loss of Sight, Hearing or Speech ** 100%

Transient Ischemic Attack (TIA) $250 (once per calendar year/insured)

Benefits will be based on the face amount in effect on the critical illness date of diagnosis.*This benefit is only payable for burns due to, caused by, and attributed to, a covered accident.

**These benefits are payable for loss due to a covered underlying disease or a covered accident.

Without Cancer


Critical Illness PlanAdditional Occurrence Benefit – Once benefits have been paid for a covered critical illness, we will pay benefits for each different critical illness when the date of diagnosis is separated by at least 6 consecutive months.

Re-Occurrence Benefit – Once benefits have been paid for a covered critical illness, benefits are payable for that same critical illness when the date of diagnosis is separated by at least 6 consecutive months.

Health Screening Benefit - $100 – An insured may receive a maximum of $100 for any one covered screening test per calendar year. We will pay this benefit regardless of the results of the test. Payment of this benefit will not reduce the amount payable for the diagnosis of a critical illness. There is no limit to the number of years the Insured can receive the health screening benefit. Not paid for dependent children.

Surgeries and Procedures Covered Under Plan Percentage of Maximum Benefit

Category 1 – Specified Surgeries of the Heart


Mitral Valve Replacement or Repair 100%

Aortic Valve Replacement or Repair 100%

Surgical Treatment of Abdominal Aortic Aneurysm 100%

Category 2 – Invasive Procedures and Techniques of the Heart

AngioJet Clot Busting 10%

Balloon Angioplasty (or Balloon valvuloplasty) 10%

Laser Angioplasty 10%

Artherectomy 10%

Stent Implantation 10%

Cardiac Catherization 10%

Automatic Implantable (or internal Cardioverter Defibrillator (AICD) 10%

Pacemakers 10%

Heart Event Rider

Without Cancer


Critical Illness Plan

Optional Benefits Rider Optional Benefits Rider Illnesses Covered Under Plan Percentage of Face Amount

• Benign Brain Tumor 100% • Advanced Alzheimer’s Disease 25% • Advanced Parkinson’s Disease 25% • Benefits are payable if an insured is diagnosed with one of the conditions

listed.

This is a brief product overview only. The plans have limitations and exclusions that effect benefits payable. Please refer to the plans for

complete details, limitations, and exclusions. AGC1804598 IV (10/18)

Without Cancer



NONTOBACCO: Employee

$5000 $10,000 $15,000 $20,000 $25,000 $30,000 $35,000 $40,000 $45,000 $50,000

18-29 $4.24 $5.41 $6.59 $7.77 $8.94 $10.12 $11.30 $12.47 $13.65 $14.83

30-39 $4.88 $6.71 $8.53 $10.36 $12.18 $14.01 $15.83 $17.66 $19.48 $21.31

40-49 $7.25 $11.45 $15.64 $19.84 $24.03 $28.22 $32.42 $36.61 $40.80 $45.00

50-59 $9.95 $16.84 $23.72 $30.61 $37.50 $44.39 $51.28 $58.16 $65.05 $71.94

60+ $14.33 $25.60 $36.87 $48.14 $59.41 $70.68 $81.95 $93.22 $104.49 $115.76

NONTOBACCO: Spouse

$5000 $10,000 $15,000 $20,000 $25,000 $30,000

18-29 $4.24 $5.41 $6.59 $7.77 $8.94 $10.12

30-39 $4.88 $6.71 $8.53 $10.36 $12.18 $14.01

40-49 $7.25 $11.45 $15.64 $19.84 $24.03 $28.22

50-59 $9.95 $16.84 $23.72 $30.61 $37.50 $44.39

60+ $14.33 $25.60 $36.87 $48.14 $59.41 $70.68

Without Cancer 12 Pay Rates


Critical Illness PlanWithout Cancer

$5000 $10,000 $15,000 $20,000 $25,000 $30,000 $35,000 $40,000 $45,000 $50,000

18-29 $5.28 $7.50 $9.72 $11.95 $14.17 $16.39 $18.61 $20.83 $23.05 $25.27

30-39 $7.38 $11.70 $16.02 $20.34 $24.66 $28.99 $33.31 $37.63 $41.95 $46.27

40-49 $12.19 $21.32 $30.45 $39.58 $48.71 $57.84 $66.97 $76.10 $85.23 $94.36

50-59 $17.40 $31.73 $46.07 $60.40 $74.74 $89.07 $103.41 $117.74 $132.08 $146.41

60+ $27.40 $51.73 $76.07 $100.41 $124.74 $149.08 $173.42 $197.75 $222.09 $246.42

$5000 $10,000 $15,000 $20,000 $25,000 $30,000

18-29 $5.28 $7.50 $9.72 $11.95 $14.17 $16.39

30-39 $7.38 $11.70 $16.02 $20.34 $24.66 $28.99

40-49 $12.19 $21.32 $30.45 $39.58 $48.71 $57.84

50-59 $17.40 $31.73 $46.07 $60.40 $74.74 $89.07

60+ $27.40 $51.73 $76.07 $100.41 $124.74 $149.08

12 Pay Rates TOBBACCO: Employee

TOBBACCO: Spouse



$5000 $10,000 $15,000 $20,000 $25,000 $30,000 $35,000 $40,000 $45,000 $50,000

18-29 $5.08 $6.49 $7.91 $9.32 $10.73 $12.14 $13.56 $14.97 $16.38 $17.79

30-39 $5.86 $8.05 $10.24 $12.43 $14.62 $16.81 $19.00 $21.19 $23.38 $25.57

40-49 $8.70 $13.74 $18.77 $23.80 $28.83 $33.87 $38.90 $43.93 $48.96 $54.00

50-59 $11.94 $20.20 $28.47 $36.73 $45.00 $53.26 $61.53 $69.79 $78.06 $86.32

60+ $17.19 $30.72 $44.24 $57.76 $71.29 $84.81 $98.34 $111.86 $125.38 $138.91

$5000 $10,000 $15,000 $20,000 $25,000 $30,000

18-29 $5.08 $6.49 $7.91 $9.32 $10.73 $12.14

30-39 $5.86 $8.05 $10.24 $12.43 $14.62 $16.81

40-49 $8.70 $13.74 $18.77 $23.80 $28.83 $33.87

50-59 $11.94 $20.20 $28.47 $36.73 $45.00 $53.26

60+ $17.19 $30.72 $44.24 $57.76 $71.29 $84.81

Without Cancer

10 Pay RatesNONTOBACCO: Employee

NONTOBACCO: Spouse



$5000 $10,000 $15,000 $20,000 $25,000 $30,000

18-29 $6.34 $9.00 $11.67 $14.33 $17.00 $19.66

30-39 $8.86 $14.04 $19.23 $24.41 $29.60 $34.78

40-49 $14.63 $25.58 $36.54 $47.49 $58.45 $69.40

50-59 $20.87 $38.07 $55.28 $72.48 $89.68 $106.88

60+ $32.87 $62.08 $91.28 $120.48 $149.69 $178.89

$5000 $10,000 $15,000 $20,000 $25,000 $30,000 $35,000 $40,000 $45,000 $50,000

18-29 $6.34 $9.00 $11.67 $14.33 $17.00 $19.66 $22.33 $25.00 $27.66 $30.33

30-39 $8.86 $14.04 $19.23 $24.41 $29.60 $34.78 $39.97 $45.15 $50.34 $55.52

40-49 $14.63 $25.58 $36.54 $47.49 $58.45 $69.40 $80.36 $91.31 $102.27 $113.23

50-59 $20.87 $38.07 $55.28 $72.48 $89.68 $106.88 $124.08 $141.29 $158.49 $175.69

60+ $32.87 $62.08 $91.28 $120.48 $149.69 $178.89 $208.10 $237.30 $266.50 $295.71

Without Cancer 10 Pay Rates

TOBACCO: Employee

TOBACCO: Spouse


Hospital Indemnity Plan

Eligibility • Employee: ages 18+• Spouse: ages 18+• Children under age 26

The Group Supplemental Hospital Indemnity insurance plan provides benefits for inpatient and outpatient services as a result of covered accidents and sicknesses.

Plan Features• Benefits available for spouse and/or dependent children• Pays regardless of any other insurance programs.• Premiums are paid by convenient payroll deduction.• Covers both injuries and sickness.• Admission and per day Hospital Confinement Benefits included.• Surgery & Anesthesia Benefits included.• The plan is portable with certain stipulations.• No pre-existing condition limitation.• Health Screening Benefit - $50 per calendar year• Waiver of Premium Rider : If the employee becomes totally disabled due to a covered sickness or accidental

injury, after 90 days of total disability, we will waive premiums for the insured and any covered dependents. As long as the insured remains totally disabled, premium will be waived up to 24 months, subject to the terms of the policy.

High Plan 12 Pay Rates

High Plan 10 Pay Rates

Low Plan12 Pay Rates

Low Plan 10 Pay Rates

Employee $42.32 $50.78 $20.96 $25.15

Employee + Spouse $84.96 $101.95 $41.92 $50.30

Employee + Child(ren) $61.76 $74.11 $30.96 $37.15

Family $104.40 $125.28 $51.92 $62.30

Continental American Insurance Company (CAIC), a proud member of the Aflac family of insurers, is a wholly-owned subsidiary of Aflac Incorporated and underwrites group coverage. CAIC is not licensed to solicit

business in New York, Guam, Puerto Rico, or the Virgin Islands.This is a brief product overview only. The plans have limitations and exclusions that affect benefits payable. Refer to the plan for complete details,

limitations and exclusions.

37



Hospitalization Benefits High Plan Low PlanHospital Admission (per confinement) – once per covered sickness or accident per calendar year for each insured. We will pay the amount shown when an insured is admitted to a hospital and confined as an in-patient because of a covered accidental injury or because of a covered sickness. In order to receive this benefit for accidental injuries received in a covered accident, an insured must be admitted to a hospital within six months of the date of the covered accident.

We will not pay benefits for confinement to an observation unit, or for emergency room treatment or outpatient treatment.

$1500 $500

We will pay this benefit in the amount shown for each day that an insured is confined to a hospital as an in-patient as the result of a covered accidental injury or because of a covered sickness. In order to receive this benefit for accidental injuries received in a covered accident, the insured must be confined to a hospital within six months of the date of the covered accident.

If we pay benefits for confinement and the insured becomes confined again within six months because of the same or related condition, we will treat this confinement as the same period of confinement.

This benefit is payable for only one hospital confinement at a time even if caused by more than one covered accidental injury, more than one covered sickness, or a covered accidental injury and a covered sickness.

$150 $100

NOTE: The employee may purchase coverage for their spouse and/or dependent children. However, the spouse and/or children cannot participate if the employee is not eligible for coverage or elects not to participate. Residents of Massachusetts are eligible for Hospital Admission, Hospital Confinement only.

38


Hospital Indemnity PlanSurgical Benefits High Plan Low Plan

Surgical Benefit (per procedure) If an insured has surgery performed by a physician due to an injury or because of a covered sickness, we will pay the appropriate surgical benefit amount shown in the Schedule of Operations. The surgical benefit paid will never exceed the maximum surgical benefit designated in the plan. The surgery can be performed in a hospital (on an inpatient or outpatient basis), in an ambulatory surgical center, or in a physician’s office. If an operation is not listed in the Schedule of Operations, we will pay an amount comparable to that which would be payable for the operation listed in the Schedule of Operations (the operation that is nearest in severity and complexity). If two or more surgical procedures are performed at the same time through the same or different incisions, only one benefit—the largest—will be provided.

Up to $1500 Up to $750

Anesthesia Benefits When an insured receives benefits for a surgical procedure covered under the Surgical Benefit, we will pay the appropriate benefit amount shown in the Schedule of Operations for anesthesia administered by a physician in connection with such procedure. However, the Anesthesia Benefit paid will not exceed 25 percent of the amount paid under Surgical Benefit.

Up to $375 Up to $187.50

Treatment Benefits High Plan Low PlanMajor Diagnostic Exams – once per covered sickness or accident per calendar year We will pay the amount shown for each day that, due to a covered accidental injury or covered sickness, an insured requires one of the following exams: • Computerized Tomography (CT/CAT scan) • Magnetic Resonance Imaging (MRI) • Electroencephalography (EEG)

$250 $125

39



Limitations and Exclusions (applies to all riders unless otherwise noted)

We will not pay for loss due to:

War – voluntarily participating in war, any act of war, or military conflicts, declared or undeclared, or voluntarily participating or serving in the military, armed forces, or an auxiliary unit thereto, or contracting with any country or international authority. (We will return the prorated premium for any period not covered by the certificate when the Insured is in such service.) War also includes voluntary participation in an insurrection, riot, civil commotion or civil state of belligerence. War does not include acts of terrorism. Suicide – committing or attempting to commit suicide, while sane or insane. Self-Inflicted Injuries – injuring or attempting to injure oneself intentionally. Racing – riding in or driving any motor-driven vehicle in a race, stunt show or speed test in a professional or semi-professional capacity. Illegal Occupation – voluntarily participating in, committing, or attempting to commit a felony or illegal act or activity, or voluntarily working at, or being engaged in, an illegal occupation or job. Sports – participating in any organized sport in a professional or semi-professional capacity. Custodial Care – this is non-medical care that helps individuals with the basic tasks of everyday life, the preparation of special diets, and the self-administration of medication which does not require the constant attention of medical personnel. Treatment for being overweight, gastric bypass or stapling, intestinal bypass, and any related procedures, including any resulting complications. Services performed by a Family Member. Services related to sex or gender change, sterilization, in vitro fertilization, vasectomy or reversal of a vasectomy, or tubal ligation. Elective Abortion – an abortion for any reason other than to preserve the life of the person upon whom the abortion is performed. Dental Services or Treatment. Cosmetic Surgery, except when due to: • Reconstructive surgery, when the service is related to or follows surgery resulting from a

Covered Accidental Injury or a Covered Sickness, or is related to or results from a congenital disease or anomaly of a covered dependent child.

• Congenital defects in newborns.

40


Short-Term Disability Plan

You insure your home, car, and other valuable possessions, so why not also protect what pays for all of those things? Your income. Without it, think about how your mortgage/rent, groceries, or credit card bills would get paid. That’s where disability insurance can help.

Plan Features• Choose to insure up to 70% of covered basic monthly earnings to a maximum monthly

benefit of $3,000• 7 day elimination period for sickness and 0 for injury• Benefit duration if continually disabled is 13 weeks• 24 hour coverage on or off the job• 3/12 Pre-Existing Condition Exclusion• Maternity coverage subject to applicable pre-existing condition exclusion• Recurrent disability. If you resume work for 30 consecutive workdays, additional

disability is considered a new period.• Annual enrollment for $500-$1000 without medical questions.• Portability: Once an employee is on the AUL disability plan for 3 consecutive months, you

may be eligible to port your coverage for one year at the same rate without evidence of insurability. You have 31 days from your date of termination to apply for portability by calling 800-553-5318. The Portability Privilege is not available to any Person that retires (when the Person receives payment from any Employer’s Retirement Plan as recognition of past services or has concluded his/her working career)


Short-Term Disability Plan

12 Pay Premium (13 Weeks )Monthly Benefit

12 Pay Premium

Monthly Benefit

12 Pay Premium

Monthly Benefit

12 Pay Premium

Monthly Benefit

12 Pay Premium

$500 $10.36 $1,200 $24.85 $1,900 $39.35 $2,600 $53.85

$600 $12.43 $1,300 $26.92 $2,000 $41.42 $2,700 $55.92

$700 $14.50 $1,400 $28.99 $2,100 $43.49 $2,800 $57.99

$800 $16.57 $1,500 $31.07 $2,200 $45.56 $2,900 $60.06

$900 $18.64 $1,600 $33.14 $2,300 $47.63 $3,000 $62.13

$1,000 $20.71 $1,700 $35.21 $2,400 $49.70

$1,100 $22.78 $1,800 $37.28 $2,500 $51.78

Monthly Benefit

10 Pay Premium

Monthly Benefit

10 Pay Premium

Monthly Benefit

10 Pay Premium

Monthly Benefit

10 Pay Premium

$500 $12.43 $1,200 $29.82 $1,900 $47.22 $2,600 $64.62

$600 $14.91 $1,300 $32.31 $2,000 $49.70 $2,700 $67.10

$700 $17.40 $1,400 $34.79 $2,100 $52.19 $2,800 $69.59

$800 $19.88 $1,500 $37.28 $2,200 $54.67 $2,900 $72.07

$900 $22.37 $1,600 $39.76 $2,300 $57.16 $3,000 $74.56

$1,000 $24.85 $1,700 $42.25 $2,400 $59.64

$1,100 $27.34 $1,800 $44.73 $2,500 $62.13

10 Pay Premium (13 Weeks )


Long-Term Disability Plan

• Choose to insure up to 60% of covered basic monthly earnings to a maximum monthly benefit of $2,000 in $500 increments. Minimum benefit is $500.

• 90 day elimination period for sickness or injury• Benefit duration of up to 5 years if disabled prior to age 61• 24 hour coverage on or off the job• 3/12 Pre-Existing Condition Exclusion• Annual enrollment for $500-$1000 without medical questions.• Portability: Once an employee is on the AUL disability plan for 3 consecutive months, you

may be eligible to port your coverage for one year at the same rate without evidence of insurability. You have 31 days from your date of termination to apply for portability by calling 800-553-5318. The Portability Privilege is not available to any Person that retires (when the Person receives payment from any Employer’s Retirement Plan as recognition of past services or has concluded his/her working career)

Monthly Benefit 12 Pay Deduction Monthly Benefit 10 Pay Deduction

$500 $8.15 $500 $9.78

$1,000 $16.30 $1,00 $19.56

$1,500 $24.45 $1,500 $29.34

$2,000 $32.60 $2000 $39.12

12 Pay and 10 Pay Premiums

This information is provided as a Benefit Outline. It is not a part of the insurance policy and does not change or extend American United Life Insurance Company’s liability under the group Policy.

Employers may receive either a group Policy or a Certificate of Insurance containing a detailed description of the insurance coverage under the group Policy. If there are any discrepancies between this information and the group Policy, the Policy will prevail. OneAmerica® is the marketing name for

American United Life Insurance Company (AUL) ®, a One America company. Products issued and underwritten by AUL.

You insure your home, car, and other valuable possessions, so why not also protect what pays for all of those things? Your income. Without it, think about how your mortgage/rent, groceries, or credit card bills would get paid. That’s where disability insurance can help. Long Term Disability kicks in after 90 consecutive days out of work for a sickness or injury.

Plan Features


Term Life Plan

Your employer-paid basic life coverage provides important life insurance for you, but you may need to add to that coverage. Now you can...at low group insurance rates and through convenient payroll deductions.

To help meet this need, you have the opportunity to elect and pay for additional group life insurance to go along with any other life insurance coverage you may have.

Overview of Benefits Offered• Basic Term Life: All Eligible Full-Time Employees $10,000 (no premium cost to you).• Voluntary Life : A minimum of $10,000 up to the lesser of $500,000 or, not to exceed 5

times your annual base salary. Guaranteed issue : $150,000. • Voluntary Dependent Life : $10,000 to $500,000 on your spouse under age 70. Spouse

guaranteed issue: $25,000. Children: 6 months to 19 years or 25 years if full-time student. $5,000 or $10,000. Birth to 6 months , $1,000.

• Accelerated Life Benefit Option: AUL has included an Accelerated Life Benefit (ALB) as part of your group life. Under this benefit, if you are permanently and totally disabled and diagnosed with a terminal condition, you may be eligible to receive a portion of your group life insurance coverage at such a difficult time. Please refer to AUL's group life insurance certificate for further eligibility details.

Attained Age Percent of life amount remaining

70 65%

75 50%

Reductions at Age 70 & OlderIf you remain a full-time employee beyond age 70 your amount of lifeinsurance will reduce as follows: Employee coverage does terminate the earlier of age 99 or retirement. Dependent spouse coverage does terminate when the spouse reaches age 70.


Term Life PlanAge Category Monthly

Premium Per $1,000 of Coverage

Age Category Monthly Premium

Per $1,000 of Coverage

0-29 $0.180 55-59 $0.180

30-34 $0.180 60-64 $0.180

35-39 $0.180 65-69 $0.180

40-44 $0.180 70-74 $0.180

45-49 $0.180 75+ $0.180

50-54 $0.180

Employee Voluntary Rates for Term Life

Child(ren) Rate Voluntary Dependent Life Monthly Premium Rate Per Unit of Coverage

Option 1 $1.000

Option 2 $2.000

Monthly Premium Rates Per Unit of Coverage for Dependent Voluntary Term Life Insurance

Dependent Voluntary Term Life Insurance Spouse: Monthly Premium Rates per $1,000 of Coverage Based

on Employee Age/Spouse Volume for Dependent Voluntary Term Life Insurance:

Age Category Monthly Premium Rates Per $1,000 of Coverage

AgeCategory

Monthly Premium Rates Per $1,000 of Coverage

0-29 $0.180 50-54 $0.180

30-34 $0.180 55-59 $0.180

35-39 $0.180 60-64 $0.180

40-44 $0.180 65-69 $0.180

45-49 $0.180


Term Life PlanAflac Voluntary and Dependent Term Life Overview of Benefits OfferedYou may choose from among three term options. Available terms are 10-, 20- and 30-year.

The 10-year term is renewable for one additional period at the insured’s attained age.

Plan Features • A Basic Accidental Death, Loss of Sight and Dismemberment Benefit is built into the plan.

The Accidental Death, Loss of Sight and Dismemberment Benefit Rider is included with the

plan, and pays an additional benefit for covered losses.

• A Waiver of Premium for Total Disability Benefit is built into the plan (for employee only)

and waives all plan premiums if the insured is totally disabled for more than six

consecutive months.

• An Accelerated Benefit for Terminal Illness is built into the plan and will pay 50% of the

Death Benefit if an insured is diagnosed with a terminal illness.

• Premiums are paid by convenient payroll deduction.

• This plan is portable, which means you can take the coverage with them (with certain

stipulations)

• To apply for spouse and dependent coverage, the employee must apply for be eligible for

his own coverage.

• Guaranteed-Issue

• 10 Year Term •Up to $100,000 employee, $50,000 spouse, and $10,000 child

• 20 or 30 Year Term • Up to $50,000 employee, $25,000 spouse, and $10,000 child

Issue ages 10 year term 20 year term 30 year term

Employee 18-70 18-65 18-55

Spouse 18-70 18-65 18-55

Children 15 days-24 years 15 days- 24 years 15 days- 24 years


Term Life Plan


Universal Life PlanUniversal Life is permanent life insurance that helps shield your family from financial hardship if you or your spouse is suddenly out of the picture. It’s that simple. With Universal Life, benefits can be paid as a Death Benefit, as Living Benefits, or as combination of both.

Plan Features• Lifelong Protection – Provides coverage that will last your lifetime• Family Coverage – Apply for your spouse, children and grandchildren even if you choose not

to participate• Terminal Illness Benefit – Accelerates up to 75% of your death benefit if your doctor

determines your life expectancy is 24 months or less• Portability – Take your coverage with you and pay the same premium if you change jobs or

retire• Guaranteed Renewable – Guaranteed coverage, as long as your premiums are paid. Your

premium may change if the premium for all policies in your class change• Convenient Payroll Deduction – No bills to watch for. No checks to mail. A direct bill option is

available when you change jobs or retire.

Death BenefitA death benefit puts money in your family’s hands quickly when they need it most. It’s money that can use any way they want to help with expenses.

EZ Value Option

Living BenefitLiving benefits make it easy to advance part of your death benefit to help pay for home healthcare, assisted living, nursing home and adult day care services, should you ever need it.

EZ Value automatically increases your benefits to keep pace with your increasing needs –without additional underwriting.

This provides a brief description of your benefits. Your representative can provide you with costs and complete details. See Plan GUL.205/IUL.205; HH/LTC.205; BRR.205; and ABR.205 for exact terms and provisions. Benefits, exclusions and limitations may vary by state and may be named differently. Please consult your policy for complete information. Underwritten by Trustmark Insurance, Lake Forest, Illinois.

50


Universal Life Plan

Universal LifeEvents is permanent life insurance that helps shield your family from financial hardship if you or your spouse is suddenly out of the picture. It’s that simple.

Plan Features• Lifelong Protection – Provides coverage that will last your lifetime• Family Coverage – Apply for your spouse, children and grandchildren even if you choose not

to participate• Terminal Illness Benefit – Accelerates up to 75% of your death benefit if your doctor

determines your life expectancy is 24 months or less• Portability – Take your coverage with you and pay the same premium if you change jobs or

retire• Guaranteed Renewable – Guaranteed coverage, as long as your premiums are paid. Your

premium may change if the premium for all policies in your class change• Convenient Payroll Deduction – No bills to watch for. No checks to mail. A direct bill option is

available when you change jobs or retire.

EZ Value OptionEZ Value automatically increases your benefits to keep pace with your increasing needs –without additional underwriting.

Universal LifeEvents

LifeEvents AdvantagesLifeEvents is designed to match your needs throughout your lifetime it pays a:

• Higher Death Benefit during working years when expenses are high and your family needs maximum protection. The death benefit reduces to one-third at the latter of age 70 or the 15th policy anniversary. Issue age is 18-64.

• Consistent Level of Living Benefits throughout retirement when you are most likely to need long-term care services.

This provides a brief description of your benefits. Your representative can provide you with costs and complete details. See Plan GUL.205/IUL.205; HH/LTC.205; BRR.205; and ABR.205 for exact terms and provisions. Benefits, exclusions and limitations may vary by state and may be named differently. Please consult your policy for complete information. Underwritten by Trustmark Insurance, Lake Forest, Illinois.

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Continuation of Benefits

Maestro FSA and Dependent Care Account

If you leave employment

If you have a positive balance (payroll deductions are greater than the amount you have received in reimbursement) in your Medical Reimbursement Account at the time of your termination, you may continue participation in the Plan for the remainder of the Plan year through COBRA. 1-888-488-5054.

Ameritas DentalUnder the group dental plan, you and your covered dependents are eligible to continue dental coverage through COBRA according to the same qualifying events listed above. Should you have any questions you may contact Ameritas at (800) 487-5553.

Community Eye Care VisionUnder the group vision plan, you and your covered dependents are eligible to continue vision coverage through COBRA according to the same qualifying events listed above. Should you have any questions you may contact Community Eye Care at (888) 254-4290.

Aflac Accident , Critical Illness, and Hospital IndemnityYou may continue your Aflac Accident ,Critical Illness and Hospital Indemnity policies by having the premiums currently deducted from your paycheck drafted from your bank account or billed to your home. For more information, contact: Aflac at 1-800-433-3036

MetLife CancerYou may continue your MetLife Cancer policy for yourself and eligible dependents who are covered when you terminate employment. For more information please contact: MetLife at 1-877-275-6387 (conversion) or 1-866-492-6983 (portability).

AUL Short & Long Term DisabilityOnce an employee is on the AUL disability plans for 3 months, you can port the coverage for one year at the same cost without evidence of insurability. You have 30 days from your date of termination to contact AUL to port your coverage by calling 1-800-553-5318.

Trustmark Universal Life When you leave employment, you may continue your Universal Life coverage by having the premiums that are currently deducted from your paycheck billed to your home address or drafted from your bank account. You may do that by contacting Trustmark at 1-800-918-8877 (option 6)

Term Life Coverage You may contact AUL or Aflac regarding continuing your term life coverage :AUL 1-800-553-5318Aflac 1-800-433-3036


Contact Information for Questions and Claims

Aflac(CAIC a proud member of the Aflac family of

insurers)Columbia, South Carolina

Customer Service1-800-433-3036

Aflacgroupinsurance.com

American United Life (AUL)Claims Toll-Free Number

1-855-517-6365Customer Service1-800-553-5318

Ameritas Dental 1-800-487-5553

www.ameritas.com

Maestro FSA1-888-488-5054

[email protected]://aflac.maestrohealth.com

Mark III Brokerage114 E. Unaka Ave.

Johnson City, TN 37601

800-532-1044 ext.306

www.markiiibrokerage.com/harnettcountyschoolsnc

MetLife Cancer Bay Bridge Administrators, LLC

P.O. Box 161690 • Austin, TX 787161-800-845-7519

512-275-9350 (Fax)http://www.baybridgeadministrators.com

/index.phpSubmit claims to [email protected]

CEC Vision 11101 White Rock Road

Rancho Cordova, CA 95670 1-800-507-3800

www.superiorvision.comNon-Network Claims Submission:

P.O. Box 967Rancho Cordova, CA 95741

Trustmark Life Insurance Customer Care

1-800-918-8877(Option 6)

[email protected]

Claims

Phone: 877-201-9373

Fax: 508-853-2867

[email protected]

http://www.ameritas.com/

mailto:[email protected]

http://aflac.maestrohealth.com/


Benefits Available for Retirees

MetLife Dental and Superior Vision Insurance Plans for Retirees of State or Local Government Offered Through North Carolina Retired Governmental Employees’ Association, Inc.

With over 54,000 members, the North Carolina Retired Governmental Employees’ Association is the largest single group representing retirees before the N.C. General Assembly, the Retirement Systems Boards of Trustees, and the State Health Plan trustees. For retirees or future retirees of state or local governments in North Carolina (including teachers, legislators, National Guard, and judicial), NCRGEA is your voice for sustaining and increasing your benefits after retirement.

Additionally, there are many benefits included with membership at no additional cost ($10,000 AD&D Insurance, bimonthly newsletter, weekly electronic legislative updates while the General Assembly is in session, a toll-free number to call for information and assistance, hearing assistance and vision care discount programs, and free district meetings).

The Association also offers optional MetLife Dental Insurance and Superior Vision Insurance plans for our members. Those premiums are conveniently deducted from your retirement benefit check monthly. Please contact us at NCRGEA, PO Box 10561, Raleigh, NC 27605, 1-800-356-1190, or go to our website, www.ncrgea.com, for further information.

Arranged and Enrolled by Mark III Brokerage, Inc.

114 E. Unaka Ave.Johnson City, TN 37601

(800) 532-1044(704) 365-4280

Oct-18

View additional benefits information or download forms at:mymarkiii.com

January 1, 2019- December 31, 2019 Employee Benefits...

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