Coverage questions.

Who is this coverage for?

The Manhattan Life federal schedule is for eligible federal employees other than postal employees.

Eligibility, group participation, state availability, exclusions and policy terms apply.

How much coverage can I select?

The monthly benefit choices range from $600 to $5,000.

For first-time enrollment, your selected benefit can cover up to 65% of gross monthly income. Income limits and eligibility requirements apply.

Is a medical exam required?

No medical exam is required for the guaranteed-issue benefit choices. Pre-existing conditions are covered after 12 months for eligible groups.

Applicable application information and eligibility requirements still apply.

What are the waiting periods?

This schedule has 14-day accident and 14-day sickness waiting periods.

For this 14-day sickness period, the brochure states that benefits begin on the first day admitted if you are hospitalized as a resident bed patient for a Covered Sickness. The elimination period does not apply to Presumptive Disability. The policy defines these terms and conditions.

What is the base benefit period?

The selected schedule uses a 12-month base benefit period.

Read the brochure and policy for the full benefit-period provisions. The policy determines benefits payable.

Is the monthly benefit what I pay?

The monthly benefit is the disability coverage amount you select. The biweekly premium is the price listed for that benefit choice.

Compare the benefit amount with its matching biweekly premium on the federal rate sheet.

What do I need to request information?

For a basic disability inquiry, share your name and either an email address or phone number to Premier Protection. Your date of birth is not needed at that stage. Application requirements are separate.

Reviewing this FAQ or the rate sheet does not submit an application. Discuss the coverage and next steps with Premier Protection before choosing a benefit.

Who is this coverage for?

The Allstate postal schedule is for eligible postal employees.

Eligibility, group participation, state availability, exclusions and policy terms apply.

How much coverage can I select?

The table shows selected monthly benefit choices from $600 up to $6,000.

For first-time enrollment, your selected benefit can cover up to 60% of gross monthly income. Income limits and eligibility requirements apply.

Is a medical exam required?

No medical exam is required for the guaranteed-issue benefit choices. 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.

Applicable application information and eligibility requirements still apply.

What waiting and benefit periods are listed?

The selected schedule lists 14-day accident and 14-day sickness waiting periods and a 12-month benefit period.

Read the brochure and policy for how benefits apply, including disability definitions, waiting-period provisions, exclusions and benefit limits. The policy determines benefits payable.

Mental-illness exclusions apply; Alzheimer’s or similar senile dementia is covered only if first manifesting after coverage takes effect. Occupational sickness or injury is excluded by the base policy unless covered by an on-the-job disability rider. The selected coverage includes the on-the-job accident rider in its price; it pays 50% of the monthly benefit when workers’ compensation or another state disability benefit is received.

Is the monthly benefit what I pay?

The monthly benefit is the disability coverage amount you select. The biweekly premium is the price listed for that benefit choice.

Compare the benefit amount with its matching biweekly premium on the postal rate sheet.

What should I review about age and premiums?

Review the applicable premium schedule with your agent.

This describes the pricing. Eligibility ages and coverage termination rules are separate; review the brochure and policy for those requirements.

What do I need to request information?

For a basic disability inquiry, share your name and either an email address or phone number to Premier Protection. Your date of birth is not needed at that stage. Application requirements are separate.

Reviewing this FAQ or the rate sheet does not submit an application. Discuss the coverage and next steps with Premier Protection before choosing a benefit.

What benefit amounts are shown?

The rate sheet lists four employee basic-benefit amounts: $10,000, $20,000, $30,000 or $40,000.

Available benefit amounts depend on the applicable group plan. Review the brochure for each covered person's benefit amounts and terms.

Covered dependents receive 50% of the employee initial, cancer and reoccurrence benefit amounts.

Which coverage tiers are listed?

The rate sheet includes employee, employee with children, employee with spouse and family coverage tiers.

Match the employee basic-benefit amount with the applicable coverage tier. Review the brochure for each covered person's benefit amounts and terms.

How do I find the matching premium?

Premiums vary by issue age and coverage tier. Match the employee basic-benefit amount, issue-age band and coverage tier before reading the premium.

The premiums are biweekly. Compare the brochure and matching rate sheet together.

Who is the insuring company?

The insuring company shown for this coverage is American Heritage Life Insurance Company.

Premier Protection is an independent insurance agency.

What should I review before choosing coverage?

Read the brochure and policy for covered-condition definitions, benefit details, exclusions and eligibility requirements.

Available benefit amounts and policy terms depend on the applicable group plan. State availability and policy conditions still apply.

A diagnosis occurring before coverage begins is not payable. A diagnosis of a covered critical illness or specified disease after the effective date may be payable, subject to the policy definitions, limitations and exclusions.

Who can help with claim questions?

Premier Protection recommends the Whitten & Associates claims center for this coverage.

You may also contact the insuring company directly.

What is the next step?

Review the benefit brochure and matching biweekly rate sheet with Premier Protection. Discuss the coverage and applicable application requirements before choosing coverage.

Reading this FAQ or the rate sheet does not submit an application.

Which hospital plans can I review?

The materials include the Low Premium Plan and the High Benefit Plan.

Each has its own brochure and biweekly rate sheet. Match the plan name before comparing benefits and premiums.

Is the first-day benefit the same in both plans?

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.

How do the daily benefits differ?

The Low Premium Plan lists a $100 daily hospital benefit, up to 10 days. The High Benefit Plan lists a $200 daily hospital benefit, up to 10 days, 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.

How do I compare the premiums?

Match the plan and coverage tier before reading the premium. The premiums are biweekly.

Review each plan's brochure with its matching rate sheet so the premium and benefits belong to the same plan.

Which coverage tiers are listed?

The rate sheets list four coverage tiers: employee, employee with spouse, employee with children and family.

Read the brochure and policy for eligible-dependent definitions, benefit limits and coverage conditions.

Does this replace major medical coverage?

Hospital indemnity is limited-benefit supplemental coverage. It is not major medical insurance or a Medicare supplement.

Eligibility, covered-confinement definitions, exclusions, benefit limits and policy terms apply.

What is the next step?

Review the plan brochure and matching biweekly rate sheet with Premier Protection. Discuss the coverage and applicable application requirements before choosing coverage.

Reading this FAQ or a rate sheet does not submit an application.

Which hospital plans can I review?

The materials include the Low Premium Plan and the High Benefit Plan.

Each has its own brochure and biweekly rate sheet. Match the plan name before comparing benefits and premiums.

Is the first-day benefit the same in both plans?

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.

How do the daily benefits differ?

The Low Premium Plan lists a $100 daily hospital benefit, up to 10 days. The High Benefit Plan lists a $200 daily hospital benefit, up to 10 days, 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.

How do I compare the premiums?

Match the plan and coverage tier before reading the premium. The premiums are biweekly.

Review each plan's brochure with its matching rate sheet so the premium and benefits belong to the same plan.

Which coverage tiers are listed?

The rate sheets list four coverage tiers: employee, employee with spouse, employee with children and family.

Read the brochure and policy for eligible-dependent definitions, benefit limits and coverage conditions.

Does this replace major medical coverage?

Hospital indemnity is limited-benefit supplemental coverage. It is not major medical insurance or a Medicare supplement.

Eligibility, covered-confinement definitions, exclusions, benefit limits and policy terms apply.

What is the next step?

Review the plan brochure and matching biweekly rate sheet with Premier Protection. Discuss the coverage and applicable application requirements before choosing coverage.

Reading this FAQ or a rate sheet does not submit an application.

How much guaranteed-issue coverage does the AFR brochure offer?

The listed Safeguard brochure offers up to $50,000 for the employee and $50,000 for the spouse. Its broader $10,000-$150,000 table includes amounts above that guaranteed-issue offer. For illness or disease death within 12 months of coverage commencement, including previously unknown or undiagnosed disease, the brochure provides a return of premiums instead of the death benefit. Accident deaths are not affected by this stated limitation; eligibility and certificate conditions still matter.

What is the AFR first-year illness-death limitation?

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.

Can a spouse have AFR coverage without employee coverage?

The listed brochure says spouse coverage is not dependent on employee coverage. This does not remove the applicable group, eligibility, state or certificate requirements.

What does the AFR source list for child coverage and riders?

The child term rider is $10,000 for $1.35 biweekly. It attaches to employee coverage. The rate heading includes Better Living and Waiver of Premium for eligible adult coverage. Neither applies to children, and Waiver of Premium is unavailable after age 60.

What conditions accompany AFR Better Living benefits?

The listed brochure describes acceleration of 3%-4% of the death benefit monthly, up to 75% total. It requires the printed permanent inability to perform at least two of six daily activities without substantial assistance, or permanent severe cognitive impairment requiring substantial supervision. The original definitions govern; this is an advance of the death benefit.

How do 5Star Qualified Issue and Simplified Issue differ?

The Statement of Insurability directs Qualified Issue applicants to answer questions I-III and Simplified Issue applicants to answer all questions. It has separate employee and spouse answers. Your agent will help identify the applicable issue path and coverage limits. Answer the original application questions for the issue path you choose.

Which 5Star ages exclude the Quality of Life rider?

The printed rate sheet excludes Quality of Life at ages 66-70, marked with a star. Quality of Life benefits are also unavailable for children. For eligible coverage, its acceleration is subject to the original permanent daily-activity or severe cognitive-impairment conditions and the 75% maximum.

What child coverage is shown in the 5Star package?

The listed schedule lists $5,000 for $0.46 or $10,000 for $0.92 biweekly. The brochure covers financially dependent children of the employee or spouse from 14 days through 19 years, or 26 if a full-time student. The original age and eligibility definitions apply.

What qualifications accompany 5Star terminal-illness acceleration?

The brochure describes 30% acceleration, or 25% in CT and MI, for the printed life-expectancy condition of less than 12 months, or 24 months in IL. These state and timing qualifications stay with the benefit description. The original policy and certificate determine eligibility.

What does 5Star say about coverage after leaving employment?

The listed brochure says coverage continues after employment terminates, with no loss of benefits or cost increase under that portability wording, after the first premium is paid. It says the insurer bills you directly. Confirm the applicable current certificate and payment requirements before relying on this provision.

What kind of life insurance is Universal Life Protector?

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.

Are the Combined cash-value examples the same as premiums?

The listed packet presents premium tables and cash-value examples separately. A cash-value example is not a periodic premium. Eligibility and policy terms apply to the listed premium schedule. Use the original applicable schedule rather than turning a cash-value example into a quote.