Life and supplemental coverage
Compare the listed benefits, conditions and optional child coverage before reviewing the original application.
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The Manhattan Life Insurance Company
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.
Allstate / American Heritage Life
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.
Allstate / American Heritage Life
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.
Allstate / American Heritage Life
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.
Allstate / American Heritage Life
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.
Allstate / American Heritage Life
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.
AFR Life
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.
5Star Life
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.
Combined / Chubb
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.
Find included benefits and additional child coverage.
Review the listed biweekly life tables. Child-inclusive totals already include their stated child addition.
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