SUITE Pdf Enrollment Kit July 15

User Manual: SUITE

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Page Count: 12

RCA Benefit Suite
Take a look inside!
New benefits this year! Enrollment Starts July 15th - August 31st.
Table of Contents
Voluntary Benet Summary....................................................................
Hospital Indemnity Insurance..................................................................
Accident Insurance.................................................................................
Term Life Insurance................................................................................
Short-Term Disability Income Insurance..................................................
Critical Illness Insurance.........................................................................
HealthiestYou.........................................................................................
Enrollment Form, Payment Form.............................................................
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Page 8
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The eligibility requirements for the Hospital Indemnity Insurance, 10 and 20 Year Term Life Insurance, Short-Term Disability
Insurance, Critical Illness Insurance, Accident Insurance through Transamerica Life Insurance Company, Cedar Rapids,
IA are as follows:
1. You must be an active member of the National Rural Letter Carriers’ Association to apply for insurance.
2. You must be actively at work and able to perform all duties of your job.
3. If you are a new NRLCA member, there is a 45 day waiting period before a new leave replacement carrier is
eligible to enroll.
4. After the 45-day waiting period, new NRLCA members have 30 days to elect to enroll or must wait
until the next open enrollment period.
During open enrollment - the 45 day waiting period is being waived. Please see policy specics for dependent eligibility, if a
dependent is currently disabled. Please visit www.rc-benets.com for more information.
Eligibility Requirements
EBD KGNRLCA 0615
Help Protect You and Your Family with
These Voluntary Insurance Products.
Accident Insurance
24 Hour On & Off-the-Job Insurance
You and/or your family are covered 24 hours a day against accidents at home,
on vacation, playing sports, etc. Benets are paid directly to you. A set benet
amount is paid for broken bones, dislocations, loss of limbs, sight, accidental
death, daily hospital expenses, lump sum hospital expenses and much more.
• Accident Emergency Treatment by a
physician in a Doctor’s ofce or Hospital........................................$100
• Major Diagnostic Examination CT Scan, MRI, EGG..........................$160
• Follow up Visits (3 per accident)
& Physical Therapy (10 per accident)..................................$75 per visit
• Initial Accident Hospitalization Benet.........................................$2,400
• Accident Hospital Income Benet
(Up to 365 days while in the hospital)................................$200 per day
Partial Fee Schedule
(see full brochure at www.RC-Benets.com)
Critical Illness Insurance
Pays a lump sum when you are diagnosed with cancer, have a stroke, have a
heart attack, need a major organ transplant or end-stage renal failure. Use the
lump sum benet for anything you wish. You can purchase either $10,000 or
$20,000 of this lump sum benet.
10 or 20 Year Term Life Insurance
If Something Happens to You,
Is Your Family Ready for Tomorrow?
There is no way to know what will happen tomorrow, but there
is a way to help protect your family against the unexpected.
Trans Select® 10 or 20 is Transamerica’s term life insurance product to help
meet life’s changes — today and tomorrow.
Riders Included with Base Policy:
• Accelerated Death Benet for Terminal Illness
• Accelerated Death Benet for Long-Term Care
Short-Term Disability Income
Insurance
How long could you go without a paycheck?
If you run out of vacation or leave days, will you have enough savings to
make it? Would you want to borrow money from family or friends while you’re
getting well? Obtaining Social Security disability benets can be challenging
and time consuming. Now the NRLCA is making voluntary short-term disability
income insurance available to you. You must satisfy the income requirements
to qualify.
Benet Period: 6 months or 12 months
Waiting Period: 14 days after a sickness or accident
Monthly Benet:
• $800 monthly benet - must work at least 20 hours per week
• $1,500 monthly benet - must work at least 30 hours per week
Income verication at time of claim.
Please call (877) 817-4801 or visit
www.RC-Benefits.com for more information.
Hospital Indemnity Insurance
Hospital Indemnity Insurance pays a set amount if an insured is conned in a
hospital. Even with the best primary insurance plan, out-of-pocket costs from
a hospital stay can add up.
Hospital Indemnity insurance benets can help defray expenses that major
medical insurance doesn’t cover, like deductibles, co-pays or co-insurance
amounts. Benets can also be used for non-medical expenses such as rent or
mortgage, car payment, groceries, or child care.
THIS IS NOT MAJOR MEDICAL INSURANCE AND IS NOT A SUBSTITUTE FOR MAJOR
MEDICAL INSURANCE. IT DOES NOT QUALIFY AS MINIMUM ESSENTIAL HEALTH COVER-
AGE UNDER THE FEDERAL AFFORDABLE CARE ACT.
HealthiestYou
Consult with a Doctor
24/7 physician access via phone, email or video
HealthiestYou is an innovative and comprehensive telehealth and wellness
solution, serving as an accessible complement to any health insurance plan.
With access to a 24/7 physician network as well as a one-of-its-kind online
wellness program, these services help you save money. Look inside for
complete details.
1
Hospital Indemnity Insurance
Hospital Select® II
Underwritten by Transamerica Life Insurance Company
Hospital Indemnity Insurance pays a set amount if an insured is conned in a hospital. Even with the best primary insurance plan,
out-of-pocket costs from a hospital stay can add up.
Hospital Indemnity insurance benets can help defray expenses that major medical insurance doesn’t cover, like deductibles, co-
pays or co-insurance amounts. Benets can also be used for non-medical expenses such as rent or mortgage, car payment, grocer-
ies, or child care.
Benets
Daily In-Hospital Indemnity Benet $50.00 per day/Maximum $5,000 per calendar year
Pays each day a covered person is conned to a hospital (but not an emergency room, outpatient stay or stay in an observation unit)
as the result of a covered accident or sickness.
Hospital Connement Indemnity Benet $750.00 1 day per connement/1 day per calendar year
Pays if a covered person is conned to a hospital (but not an emergency room, outpatient stay or stay in an observation unit) as the
result of a covered accident or sickness lasting a minimum of 24 continuous hours from time of admission.
Critical Illness Indemnity Benet $2,500.00 per person
Pays once when the insured is diagnosed with a critical illness (invasive cancer, heart attack, stroke, end stage renal failure, or
major organ failure). A subsequent benet is payable when the insured is diagnosed with a different critical illness 60 or more days
after the rst diagnosis.
Surgical and Anesthesia Benet $1,000 Inpatient Surgery 1 day calendar year maximum
$500 Outpatient Surgery 1 day calendar year maximum
$100 Outpatient Minor Surgery 1 day calendar year maximum
30% extra is paid if anesthesia is administered
This is a brief summary of Hospital Select® II Group Hospital Indemnity Insurance underwritten by Transamerica Life Insurance
Company, Cedar Rapids, IA. Policy Form Series CPGHI400 and CCGHI400. Forms and form numbers may vary. Coverage may not
be available in all jurisdictions. Limitations and exclusions apply. Refer to the policy, certicate and riders for complete details. THIS
IS NOT MAJOR MEDICAL INSURANCE AND IS NOT A SUBSTITUTE FOR MAJOR MEDICAL INSURANCE. IT DOES NOT QUALIFY
AS MINIMUM ESSENTIAL HEALTH COVERAGE UNDER THE FEDERAL AFFORDABLE CARE ACT.
2
Member
Member plus Children
Member plus Spouse
Member plus Family
MONTHLY RATES
$32.18
$56.13
$71.01
$87.30
Accident Insurance
Partial Benet Schedule:
See full brochure at www.RC-Benets.com
Benets are payable only once per covered person, per accident, unless oth-
erwise noted. Benets are not payable for services rendered by an immediate
family member.
Dislocation Benet
For dislocations reduced under general anesthesia. A dislocation reduced
without general anesthesia is limited to 25% of the benet amount for the
dislocation involved. Benets are payable only for the rst dislocation of a
joint. If multiple dislocations are reduced, we will pay 11⁄2 times the highest
benet amount and no other amount will be paid under this benet.
Accident Emergency Treatment..............................................................
Major Diagnostic Examination................................................................
Follow up Visits & Physical Therapy.............................................
Initial Accident Hospitalization Benet..................................................
Accident Hospital Income Benet...............................................
$100
$160
$75 per visit
$2,400
$200 per day
Accident Emergency Treatment
Accident Emergency Treatment Benet - For treatment by a
physician and X-rays received in a hospital or physician’s ofce
received within 96 hours of the accident.
Major Diagnostic Examination Benet - For one CT Scan,
MRI, or EEG completed within 90 days of the accident.
Hip
Knee or Shoulder
Collar Bone
Ankle or Foot (except toes)
Lower Jaw
Wrist or Elbow
Toe or Finger
$100
$160
$3,200
$1,080
$1,720
$1,080
$1,080
$880
$240
$1,080
$440
$320
$320
$560
$440
$120
Dislocated Joint Open
Reduction
Closed
Reduction
Fracture Benet
For repair of a fracture sustained in an accident. A chip fracture is limited to
10% of the benet amount for the fracture involved. If multiple fractures are
repaired, we will pay 11⁄2 times the highest benet amount and no other
amount will be paid under this benet.
If dislocations and fractures are both involved, we will pay 11⁄2 times the
highest dislocation or fracture benet amount and no other amount will be
paid under the dislocation benet or the fracture benet.
Fractured Bone
Coccyx
Hand (except ngers), Foot (except toes/
heel), Wrist,Shoulder Blade, Forearm, Ankle,
Elbow, Kneecap, Sternum or Lower Jaw
Hip
Leg
Nose, Heel or Fingers
Rib(s)
Skull
Toes
Upper Jaw, Upper Arm or Face (except
Nose), Collar Bone
Vertebrae, Pelvis
Vertebral Processes
Open
Reduction
$560
$1,360
$4,000
$1,680
$1,360
$2,680
$2,160
$560
$1,600
$680
$2,680
Closed
Reduction
$280
$680
$1,360
$1,360
$280
$280
$800
$280
$680
$680
$400
Follow-Up Visits and Physical Therapy
Accident Follow-Up Treatment Benet – Maximum of 3
follow-up visits per accident. For follow-up treatment visits,
original treatment must have been received within 96 hours of the
accident. Treatment must begin within 30 days of, and completed
within the 6 month period following the later of: (1) the accident;
(2) discharge from the hospital from a covered connement; or
(3) discharge from an extended care facility. Treatments must
be provided by a physician in their ofce or in a hospital on an
outpatient basis.
Physical Therapy Benet – Maximum of 10 treatments per
accident. For physical therapy treatments performed by a licensed
Physical Therapist under the advice of a physician. Treatment
must begin within 120 days of the accident and be completed
within 1 year of the accident.
$75
$75
AccidentAdvance® 24-Hour On & Off-the-Job Coverage
Underwritten by Transamerica Life Insurance Company
You and/or your family are covered 24 hours a day against accidents whether you are working as a rural
letter carrier, at home, on vacation, playing sports, etc. Benets are paid directly to you. A set dollar amount is
paid for broken bones, dislocations, loss of limbs, sight, accidental death, dally hospital expenses, lump sum
hospital expenses and much more.
3
This is a brief summary of AccidentAdvance®, Accident Insurance
underwritten by Transamerica Life Insurance Company, Cedar
Rapids, Iowa. Policy form series CPACC100 and CCACC100. Forms
and form numbers may vary. This coverage may not be available
in all jurisdictions. Limitations and exclusions apply. Refer to the
policy, certicate and riders for complete details.
Accident Insurance
Initial Accident Hospitalization
Initial Accident Hospitalization Benet
Benet is payable once for the rst hospital admission due to
an accident. Benet is payable once for the rst Intensive Care
Unit admission due to an accident. The ICU benet is paid even
if admitted to the hospital initially and then transferred to ICU
later during the same hospitalization.
Accident Hospital and ICU Income Rider
Accident Hospital Income Benet - For hospital connement
for treatment of injuries beginning within 30 days of the acci-
dent. Benet is payable for up to 365 days per accident.
Accident ICU Benet - For ICU connement while the person
is receiving the hospital income benet. Benet is payable for
up to 15 days per accident.
Expanded Benets Rider
The following benets are payable once, per person, per
accident for injuries sustained in a covered accident.
Burns - Must be treated by a physician within 96 hours of
the accident. One or more skin grafts for a covered burn will
be paid at 50% of the burn benet amount paid for the burn
involved.
Lacerations - Must be treated or repaired within 96 hours of
the accident.
Eye Injury
Emergency Dental Work
Brain Concussion - Must be diagnosed by a physician within
96 hours of the accident.
Coma - Unconsciousness for 14 consecutive days with no
reaction to external stimuli, no reaction to internal needs, and
require the use of life support systems.
Ambulance Benet
For ambulance transportation by a
licensed ambulance service to the
nearest hospital for treatment within
96 hours of the accident.
Ground
Ambulance $480
Air
Ambulance $2,400
$2,400
$200
$600
$480
$1,200
$1,200
$3,200
$7,200
$9,600
$32
$64
$240
$480
$320
$56
$240
$64
$160
$12,000
Second-degree burns of at least 25% but not more
than 35% of body surface
Second-degree burns of more than 35% of body
surface
Third-degree burns covering 6 through 10 square
centimeters of body surface
Third-degree burns covering 10 through 25 square
centimeters of body surface
Third-degree burns covering 25 through 35 square
centimeters of body surface
Third-degree burns covering more than 35 square
centimeters of body surface
Lacerations not requiring sutures
Single laceration less than 7.5 centimeters
Lacerations 7.6 to 20 centimeters
Lacerations over 20 centimeters
With surgical repair
Non-surgical removal of foreign body by a physician
One or more broken teeth repaired with crowns
One or more broken teeth resulting in extractions
Tendons, Ligaments, and/or Rotator Cuffs – Must be
detached, torn, ruptured, or severed and surgically repaired
by a physician within 1 year of the accident. Only one of the
following benets is payable.
Ruptured Discs and/or Torn Knee Cartilage – Must be
surgcally repaired by a physician within 1 year of the accident.
Only one of the following benets is payable.
Major Surgery – For an open abdominal, cranial, or thoracic
surgery performed by a physician within 1 year of the accident.
Laparoscopic procedures are excluded.
Appliance – For a medical appliance recommended by a
physician as an aid in personal locomotion. Appliances include
items such as crutches, leg braces, wheelchairs, and walkers.
This benet is not payable for prosthetic devices.
Blood, Plasma, and Platelets – Required for the treatment of
injuries due to a covered accident. Immunoglobulins are not
covered.
Transportation – Benet is payable for up to 2 round trips to
the hospital per accident per covered person if special treat-
ment and hospital connement occurs within 30 days of the
accident. The local attending physician must prescribe treat-
ment that is not available locally. Benets are not payable for
transportation to any hospital within a 100-mile radius of the
site of the accident or the residence of the covered person.
Arthroscopic surgery with no repair
Repair of one
Repair of two or more
Shaved cartilage (debridement) or arthroscopic surgery
with no repair
Repair of one
Repair of two or more
One prosthetic device
Two or more prosthetic devices
Prosthetic Devices – For one or more prosthetic devices received within 1
year of the accident. This benet is not payable for hearing aids, dental aids
(including false teeth), eye glasses, or for cosmetic prosthetic devices such
as hair wigs. We will not pay for joint replacement, such as an articial hip or
knee.
$160
$400
$800
$160
$400
$800
$1,200
$160
$600
$1,200
$320
$480
Paralysis – Lasting a minimum of 30 days
Quadriplegia (paralysis of four limbs)
Paraplegia (paralysis of lower limbs)
$12,000
$6,000
Member
Member plus Children
Member plus Spouse
Member plus Family
MONTHLY RATES
$13.58
$19.14
$21.36
$27.08
4
10 Year Term Life Insurance
(includes Accelerated Death Benefit for Long Term Rider)
Trans Select® 10
Underwritten by Transamerica Life Insurance Company
If Something Happens to You, Is Your Family Ready for Tomorrow?
There is no way to know what will happen tomorrow, but there is a way to help protect your family against the
unexpected. Trans Select® 10 is Transamerica’s term life insurance product to meet life’s changes - today and
tomorrow.
At the end of each term, the policy will automatically renew unless cancelled by the owner. The new premium
rate, based on the attained age of the insured and the death benet, will be presented. The premium change will
occur on the group renewal date. Subsequent term periods are 10 years until the expiration date, if earlier.
Riders included with Base Policy
• Accelerated Death Benet for Terminal Illness
• Accelerated Death Benet for Long-Term Care
10 Year Term Life Insurance Monthly Rates
Note:
• Spouses can only elect the $15,000 benet amount
• The minimum member benet is $30,000
All Rates are Monthly
Please review the owchart on how
the Accelerated Death Benet for
Long Term Care Rider benets work
Page 7
5
This is a brief summary of Trans Select® Group Term Life Insurance underwritten by Transamerica Life Insurance
Company, Cedar Rapids, Iowa 52499. Policy form series CPVTL200 and CCVTL200; Rider form series CRTIVT00, CRWPL200
and CRCHL200. Forms and form numbers may vary. Coverage may not be available in all jurisdictions. Limitations and
exclusions apply. Refer to the policy, certicate and riders for complete details.
20 Year Term Life Insurance
(includes Accelerated Benefit for Long Term Care Rider)
Trans Select® 20
Underwritten by Transamerica Life Insurance Company
If Something Happens to You, Is Your Family Ready for Tomorrow?
There is no way to know what will happen tomorrow, but there is a way to help protect your family against the
unexpected. Trans Select® 20 is Transamerica’s term life insurance product to meet life’s changes - today and
tomorrow.
At the end of each term, the policy will automatically renew unless cancelled by the owner. The new premium
rate, based on the attained age of the insured and the death benet, will be presented. The premium change will
occur on the group renewal date. Subsequent term periods are 20 years until the expiration date, if earlier.
Riders included with Base Policy
• Accelerated Death Benet for Terminal Illness
• Accelerated Death Benet for Long-Term Care
Please review the owchart on how
the Accelerated Death Benet for
Long Term Rider benets work
Page 8
20 Year Term Life Insurance Monthly Rates
All Rates are Monthly 6
Note:
• Spouses can only elect the $15,000 benet amount
• The minimum member benet is $30,000
This is a brief summary of Trans Select® Group Term Life Insurance underwritten by Transamerica Life Insurance Com-
pany, Cedar Rapids, Iowa 52499. Policy form series CPVTL200 and CCVTL200; Rider form series CRTIVT00, CRWPL200
and CRCHL200. Forms and form numbers may vary. Coverage may not be available in all jurisdictions. Limitations and
exclusions apply. Refer to the policy, certicate and riders for complete details.
fLi e Insurance Purchased
EXAMPLE:
$100,000
NH=Nursing Home HH=Home Health
If Death Occurs
EXAMPLE:
You die and $100,000 is
paid to your beneficiary.
What Happens if You Die While
Receiving Payments for NH or HH Care?
EXAMPLE:
If you used $35,000 of the $100,000 life
insurance policy for NH or HH expenses
and then die. Your beneficiaries would
receive the balance of $65,000 tax–free.
If You Need NH or HH Care
•Transferring
•Toileting
•Eating
•Bathing
•Continence
•Dressing
You are unable to perform 2 of the 6 activities
of daily living or have a cognitive impairment.
Is There Any Life Insurance Left? YES!!!
EXAMPLE:
Your beneficiaries would receive $25,000.
If you die anytime during or after your have exhausted
the Extension of Benefits coverage, your beneficiaries
will receive 25% of the life insurance policy amount.
The Accelerated Death Benet for Long Term Care can be used for
Nursing Home & Home Health Care Expenses!
Life Insurance and Long Term Care Benets -- All in one policy.
If Receiving Nursing Home or Assisted Living Care,
4% of the Benet Amount is Paid Out for up to 25 Months
EXAMPLE:
The Policy would pay out $4000 a month for 25 months
for nursing home and assisted living facility expenses.
EXAMPLE:
The Policy would pay out $2000 a month for 25 months
for nursing home and assisted living facility expenses.
If Receiving Home Health, Care, 2% of the Benet
Amount is Paid Out for up to 50 Months
What If You Still Need Care After:
25 months for Nursing Home Care
50 months for Home Health Care
OR
Then the Extension of Benets Coverage Is Activated - Giving up to an Additional
25 months for Nursing Home or 50 months for Home Health Care Expenses
EXAMPLE:
The Extension of Benets Coverage provides up to an additional $100,000
of benet. The payout process is the same as above. 4% or 2% depending
on the typeof care you are receiving.
7
Short-Term Disability Income Insurance
How would your bills be paid if you were
suddenly disabled and could not work?
How long can you go without an income?
A serious illness or accidental injury can deplete your saving in a relatively
short period of time. TransDI® Plus helps replace up to 60% of your salary if
you are unable to work because of a disability. You can use the benet for:
Eligible Benets and Amounts
An employee is eligible to receive benets
• When totally disabled
• Under a physician’s care
• The accident or sickness is non-work related
• The selected elimination period has been satised
Pre-Existing Condition Limitation
• No benet for a pre-existing condition until the insured has been continu-
ously covered under the policy for 12 consecutive months
• Must be performing the duties of his or her occupation for 30 continuous
days after the rst 12 months of coverage
Income Qualications
• Plan 1 - $800 monthly benet - 6 months (20 hours per week minimum)
• Plan 2 - $1,500 monthly benet - 6 months (30 hours per week minimum)
• Plan 3 - $800 monthly benet - 12 months (20 hours per week minimum)
• Plan 4 - $1,500 monthly benet - 12 months (30 hours per week minimum)
Income verication at time of claim.
• Mortgage or rent
• Food
• Utilities
• Clothing
• Credit cards and other debts
• Health, life and auto insurance premiums
• Car payments
• Other transportation expenses
Base Coverage
Waiver of Premium- An insured member does not pay premiums after 90
consecutive days of total disability or the satisfaction of the elimination period,
whichever is later.
Partial Disability Benet- A partial disability will be paid if an insured be-
comes partially disabled due to the same cause as total disability The benet
is 50% of the initial benet.
Accelerated Benet for Terminal Illness- If a member is diagnosed with
a terminal illness for the rst time, on or after the effective date, we will accel-
erate the monthly disability benet for the remaining months of payments of
the maximum disability period of the contract, up to 12 months. Rider Form
Series CRDITI00.
Mental Illness Limited Benet- Totally Disabled due to a Mental Illness,
regardless of the cause, Disability Benets will be paid for the period. Mental
Illness means Disability due to or resulting from psychiatric or psychological
conditions, regardless of cause. The term Mental Illness does not apply to de-
mentia, if due to Stroke, Trauma, Viral infection, Alzheimer’s disease, or other
conditions not usually treated by a mental health provider using psychothera-
py, psychotropic drugs, or other similar modalities.
When do benets begin?
After satisfying a 14 day waiting period for either a sickness or accident, the
plan will pay the selected benet amount for maximum of 180/365 days or
the end of the disability which ever is sooner.
Short-Term Disability Insurance Monthly Premium
Ages 18-49
Ages 50-59
6 MONTHS 12 MONTHS
$800 $1,500
$19.04 $35.70
$24.16 $45.30
$800 $1,500
$23.20 $43.50
$28.96 $54.30
Critical Illness Insurance
Critical Illness insurance pays a lump sum benet when you are diagnosed with cancer, have a stroke, have a heart attack, need a major organ transplant or during end-stage
renal failure. This benet is paid directly to you. Use the lump sum benet for anything you wish. You can select either a $10,000 or $20,000 lump sum benet amount.
BENEFITS
This policy does not
increase with age.
Premiums and benets
stay level throughout
your lifetime.
Spouse and child
benets are 50% of the
elected member benet.
Lifetime Maximum Benet - Total Critical Illness and Recurrent Benets are
limited to 3 times the elected Benet.
8
TransDI® Plus
Underwritten by Transamerica Life Insurance Company
This is a brief summary of TransDI® Plus Group Short-Term Disability Income Insurance underwritten by Transamerica
Life Insurance Company, Cedar Rapids, Iowa. Policy form series CPDI0100 and CCDI0100. Forms and form numbers may
vary. Coverage may not be available in all jurisdictions. Limitations and exclusions apply. Refer to the policy, certicate and
riders for complete details.
This is a brief summary of CriticalAssistance Advance
SM
, Critical Illness Insurance under-
written by Transamerica Life Insurance Company, Cedar Rapids, Iowa. Policy form
series CPCI0400 and CCCI0400. Forms and form numbers may vary. This coverage may
not be available in all jurisdictions. Limitations and exclusions apply. Refer to the policy,
certicate and riders for complete details.
Underwritten by Transamerica Life Insurance Company
9
NRLCA 2015 Benefit Enrollment Form For More Information
(877) 817-4801
10
11

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