Compare plans and included benefits

Disability income

Disability income: coverage, benefits and source references
Plan reference	Income protection with included rider benefits The Manhattan Life Insurance Company	Income protection on and off the job Allstate / American Heritage Life
Coverage overview	Guaranteed-issue income protection for eligible federal employees other than postal. No medical exam required. Pre-existing conditions are covered after 12 months for eligible groups. 14-day accident and sickness waits; 12-month base benefit period; Monthly benefit choices from $600 to $5,000; First-time enrollment: up to 65% of gross monthly income Eligibility, exclusions and original policy terms apply.	Guaranteed-issue income protection for eligible postal employees. No medical exam required. No benefits are paid for a disability starting within the first 12 months of coverage from a pre-existing condition, as defined in the policy. Post Office employees working 27 or more hours per week are eligible. Income limits, state availability and policy terms apply. Mental-illness and substance-abuse exclusions apply; the policy describes a specific Alzheimer’s/senile-dementia exception. On-the-job accident coverage is included in the selected premium. 14-day accident and sickness waits; 12-month benefit period; Selected monthly benefits up to $6,000; First-time enrollment: up to 60% of gross monthly income Post Office employees working 27 or more hours per week are eligible. Income limits, state availability and policy terms apply.
Included in the plan price	Included premium relief during a covered disability Waiver of Premium is included at no additional charge after 90 consecutive days of total or presumptive disability benefits. Read benefit conditions Applies while benefits remain payable. Not available with the 90-day benefit-period option; source and certificate conditions apply. Building Benefit Rider included in the quoted price The Manhattan Life quoted price includes the Building Benefit Rider. Read benefit conditions Original rider benefit limits, eligibility and election requirements apply.	Income protection on and off the job On- and off-the-job disability protection is already included in the listed price. Read benefit conditions Waiting periods, disability definitions and benefit limits apply. For an on-the-job disability, the policy pays 50% of the monthly benefit when receiving workers’ compensation or other state disability benefits. Included premium relief during a covered disability The listed disability policy includes Waiver of Premium after monthly disability benefits have been paid for 30 days in a row. Read benefit conditions Premiums remain waived for as long as monthly benefits are paid, under the policy terms.
Additional child coverage	No separately priced child option is listed in this reference. Read the plan for its family-coverage terms.	No separately priced child option is listed in this reference. Read the plan for its family-coverage terms.
Rate references	Read biweekly coverage rates	Read biweekly coverage rates
Read the complete plan	Benefits, conditions and policy questions Application guidance for this company What to review before an inquiry	Benefits, conditions and policy questions Application guidance for this company What to review before an inquiry

Critical illness and hospital

Critical illness and hospital: coverage, benefits and source references
Plan reference	Critical illness coverage with an annual wellness benefit Allstate / American Heritage Life	Hospital benefits in the Low Premium Plan Allstate / American Heritage Life	Hospital benefits in the High Benefit Plan Allstate / American Heritage Life
Coverage overview	Four basic-benefit levels available through the employer’s plan, with premiums by issue age and coverage tier. This is limited-benefit supplemental coverage, not major medical insurance or a Medicare supplement. $10,000-$40,000 employee basic benefits; Five printed issue-age bands; Employee through family coverage tiers Eligibility, exclusions and original policy terms apply.	Low Premium Plan, with its own rates and hospitalization benefits. $1,000 first-day confinement benefit, limited to one occurrence per year; $100 daily hospital benefit, up to 10 days; Four coverage tiers Eligibility, exclusions and original policy terms apply. Both plans list a $1,000 first-day confinement benefit for covered hospital confinement under the policy terms. The daily hospital benefit is not paid for a day when the first-day confinement benefit is paid. The first-day confinement benefit is payable once per continuous confinement per covered person, limited to one occurrence per year under the selected plans; the daily benefit is not paid for that same day. Pre-existing-condition losses during the first 12 months are excluded; the pregnancy waiting period is 10 months, with the limitation applying if the insured person is pregnant prior to the effective date. Other policy conditions apply.	High Benefit Plan, with its own rates and hospitalization benefits. $1,000 first-day confinement benefit, limited to one occurrence per year; $200 daily hospital benefit, up to 10 days; Four coverage tiers Eligibility, exclusions and original policy terms apply. Both plans list a $1,000 first-day confinement benefit for covered hospital confinement under the policy terms. The daily hospital benefit is not paid for a day when the first-day confinement benefit is paid. The first-day confinement benefit is payable once per continuous confinement per covered person, limited to one occurrence per year under the selected plans; the daily benefit is not paid for that same day. Pre-existing-condition losses during the first 12 months are excluded; the pregnancy waiting period is 10 months, with the limitation applying if the insured person is pregnant prior to the effective date. Other policy conditions apply.
Included in the plan price	Included Skin Cancer Rider The listed critical-illness plans include a $250 Skin Cancer Rider (GCIP4SCR). Read benefit conditions Covers the stated basal-cell and squamous-cell diagnoses; no payment within 365 days of a prior payment. Malignant melanoma and the listed pre-cancerous and other excluded conditions are not covered by this rider. Included annual wellness benefit The listed critical-illness plans include a $50 annual Fixed Wellness Rider (GCIP4FWR) for an eligible screening or test. Read benefit conditions Once per covered person per calendar year for one of the 24 listed wellness services or tests. The source list and policy conditions govern. Included premium waiver for the employee The listed critical-illness plans include Waiver of Premium for the employee. Read benefit conditions Requires 90 consecutive days of disability due to a critical illness or specified disease; employee only, subject to policy terms.	Read the plan for its core benefits and conditions.	Read the plan for its core benefits and conditions.
Additional child coverage	No separately priced child option is listed in this reference. Read the plan for its family-coverage terms.	No separately priced child option is listed in this reference. Read the plan for its family-coverage terms.	No separately priced child option is listed in this reference. Read the plan for its family-coverage terms.
Rate references	Read biweekly coverage rates	Read biweekly coverage rates	Read biweekly coverage rates
Read the complete plan	Benefits, conditions and policy questions Application guidance for this company What to review before an inquiry	Benefits, conditions and policy questions Application guidance for this company What to review before an inquiry	Benefits, conditions and policy questions Application guidance for this company What to review before an inquiry

Life insurance

Life insurance: coverage, benefits and source references

Plan reference

Term to 100 with two included benefits

Allstate / American Heritage Life

Life coverage with included living benefits

AFR Life

Life coverage with Quality of Life benefits

5Star Life

Life coverage with accelerated payment benefits

Combined / Chubb

Coverage overview

Review the brochure, policy conditions and coverage options with Premier Protection.

Eligibility, state availability, exclusions and policy terms apply. Read the benefit brochure before choosing coverage.

Review the brochure, policy conditions and coverage options with Premier Protection.

Eligibility, state availability, exclusions and policy terms apply. Read the benefit brochure before choosing coverage.

Review the brochure, policy conditions and coverage options with Premier Protection.

Eligibility, state availability, exclusions and policy terms apply. Read the benefit brochure before choosing coverage.

Review the brochure, policy conditions and coverage options with Premier Protection.

Eligibility, state availability, exclusions and policy terms apply. Read the benefit brochure before choosing coverage.

Included in the plan price

Terminal-illness protection included in the shown life premiums

The listed life prices include the Accelerated Death Benefit for Terminal Illness (GTLPLBR). It can advance 75% of the death benefit, up to $100,000.

Read benefit conditions

A physician must diagnose terminal illness. The payment is discounted using the current discount rate; premiums are waived after payment. This is an advance of the death benefit. Prices shown are the 2021 Term to 100 biweekly rates.

Accidental-death protection included in the shown life premiums

The listed employee and spouse life prices include the Accidental Death Benefit Rider (GTLPADB). The rate sheet lists its benefit at twice the initial death benefit amount.

Read benefit conditions

Printed rider issue ages 18-55. Not available on certificate coverage purchased for a child. Policy accident definitions, limitations and state terms apply. Prices shown are the 2021 Term to 100 biweekly rates.

Life coverage with included living benefits

Better Living can advance 3%–4% of the death benefit monthly, up to 75% total, for the qualifying care needs described in the brochure.

Read benefit conditions

Requires permanent inability to perform at least two of six daily activities without substantial assistance, or permanent severe cognitive impairment requiring substantial supervision. This advances the death benefit; unavailable on children.

For illness or disease death within 12 months of coverage commencement, the brochure provides a return of premiums instead of the death benefit. Previously unknown or undiagnosed disease is included. Accident deaths are not affected by this stated limitation. Original certificate terms apply.

Premium relief during total disability

Waiver of Premium is included in the printed adult rates and waives premiums for total disability.

Read benefit conditions

Unavailable after age 60 and unavailable on children. Policy definitions and conditions apply.

For illness or disease death within 12 months of coverage commencement, the brochure provides a return of premiums instead of the death benefit. Previously unknown or undiagnosed disease is included. Accident deaths are not affected by this stated limitation. Original certificate terms apply.

Included terminal-illness benefit

The brochure includes a 30% lump-sum advance for a qualifying terminal condition.

Read benefit conditions

Requires a life expectancy of less than 12 months under the printed conditions. This advances coverage; the original certificate terms and first-year illness-death limitation remain.

For illness or disease death within 12 months of coverage commencement, the brochure provides a return of premiums instead of the death benefit. Previously unknown or undiagnosed disease is included. Accident deaths are not affected by this stated limitation. Original certificate terms apply.

Quality of Life included for eligible adult coverage

The printed eligible adult rates include the Quality of Life Rider. It advances a portion of the death benefit monthly, up to 75% total, for the stated care needs.

Read benefit conditions

Requires permanent inability to perform at least two of six daily activities without substantial assistance, or permanent severe cognitive impairment requiring substantial supervision. Unavailable at ages 66–70 and on children. This advances the death benefit.

Included terminal-illness benefit

The brochure includes a 30% lump-sum advance for a qualifying terminal condition.

Read benefit conditions

The percentage is 25% in Connecticut and Michigan. Life expectancy must be less than 12 months, or 24 months in Illinois. This advances coverage; policy terms apply.

Included expedited beneficiary payment

The brochure describes expedited payment of 50% of coverage or $10,000, whichever is less.

Read benefit conditions

The stated mailing period is within one business day of notification; death within the two-year contestability period or under investigation is excluded from this expedited provision. This is part of the death benefit, not an additional payout.

Access to life benefits while living

The included Accelerated Payment Benefit can pay partial or full benefits while you are living when its terminal-illness or permanent-confinement conditions are met.

Read benefit conditions

The terminal-illness provision requires diagnosis before age 64 with likely death within 12 months. Alternatively, the brochure covers permanent confinement in a hospital, nursing home, extended-care or hospice facility until death. Policy terms apply.

The listed Ohio federal brochure describes flexible-premium adjustable permanent life. It also warns that scheduled premiums may be insufficient to maintain enough account value to keep the policy in force. Coverage depends on sufficient account value and the terms of the policy issued by the named insurer.

Additional child coverage

Children’s Term Rider (GTLPCTR)

Child term coverage is available for a separate biweekly premium.

Additional biweekly child premium
Coverage	Premium
$10,000	$2.10
$20,000	$4.20

Do not add this premium again to a price already labeled child-inclusive.

Printed in policy; carrier/state/issue eligibility still applies Employee issue ages 18-65 for adding this rider; child term to age 25 as printed. Prices shown are the 2021 biweekly rates.

Children’s Term Rider

Child term coverage is available for a separate biweekly premium.

Additional biweekly child premium
Coverage	Premium
$10,000	$1.35

Do not add this premium again to a price already labeled child-inclusive.

Child coverage attaches to employee coverage. Better Living and Waiver of Premium are unavailable on children.

For illness or disease death within 12 months of coverage commencement, the brochure provides a return of premiums instead of the death benefit. Previously unknown or undiagnosed disease is included. Accident deaths are not affected by this stated limitation. Original certificate terms apply.