FMOLHS Voluntary Benefits_Combined PDF

Franciscan Missionaries of Our Lady Health System Benefits At-A-Glance Coverage for you Critical Illness Insurance The Lincoln Critical Illness Insurance plan: • Provides cash benefits if you or a covered family member is diagnosed with a critical illness or event while insured under this plan • Benefits are paid in addition to what is covered under your health insurance • Features group rates for FMOLHS employees • Includes access to a Personal Health Advocate who can assist you in managing healthcare services for you and your entire family • There are no waiting periods or overall plan maximums Critical Illness Insurance | Employee Guaranteed coverage amount $20,000 Maximum coverage amounts Choice of $10,000 and $20,000 Guaranteed Coverage Amounts • You can choose from the coverage amounts above without providing evidence of insurability (documentation of your health history). Amounts above the guaranteed amount will require evidence of insurability. • If you decline this coverage now and wish to enroll later, evidence of insurability may be required. Coverage for your spouse You can secure Critical Illness Insurance for your spouse when you choose coverage for yourself. Critical Illness Insurance | Spouse Guaranteed coverage amounts $10,000 Maximum coverage amounts $10,000 Guaranteed Coverage Amounts • You can choose from the coverage amount for your spouse without providing evidence of insurability (documentation of your spouse’s health history). Amounts above the guaranteed amount will require evidence of insurability. • If you decline this coverage now and wish to enroll later, evidence of insurability may be required. Coverage for your dependent children With your coverage election, your dependent children automatically receive 25% of your coverage amount at no extra cost. No money is due at enrollment. Your premium simply comes out of your paycheck. Core Benefits Covered Conditions Heart attack 100% Stroke 100% Invasive Cancer 100% Renal (kidney) failure 100% Major organ failure (heart, lung, liver, pancreas, or intestine) 100% Arterial/vascular disease 25% Noninvasive cancer (in situ) 25% Skin Cancer (other than melanoma) $250 per lifetime Additional Childhood Conditions Cerebral palsy 100% Cleft lip, cleft palate 100% Cystic fibrosis 100% Down syndrome 100% Muscular dystrophy 100% Spina bifida 100% Type 1 diabetes 100% Supplemental Conditions Advanced COPD 100% AIDS 100% Advanced ALS/Lou Gehrig’s disease 100% Advanced Alzheimer’s disease 100% Advanced Parkinson’s disease 100% Advanced multiple sclerosis 25% Loss of sight, hearing and/or speech 25% Accidental Injuries Benefit Severe burns, permanent paralysis or traumatic brain injuries 100% Occupational Disease HIV 100% Hepatitis (B, C, D) 100% MRSA 25% Tuberculosis 25% Tetanus 25% Rabies 25% Group Critical Illness Insurance | Benefits At-A-Glance CI-ENRO-BRC001-LA Health Assessment Your Cash Benefit You receive a cash benefit every year you and any of your covered family members complete a single covered exam, screening or immunization $75 Additional Plan Feature(s) Health Advocate Services Included Portability Included Note: See the policy for details and specific requirements for each of these features. Group Critical Illness Insurance | Benefits At-A-Glance CI-ENRO-BRC001-LA Benefit Exclusions The plan includes only covered conditions or losses that are diagnosed while this insurance is in force. Benefits are not payable for any covered conditions or loss caused or contributed to by: 1. suicide, attempted suicide, or any intentionally self-inflicted injury, while sane or insane; 2. committing or attempting to commit a felony; 3. war or any act of war, declared or undeclared; 4. participation in a riot, insurrection or rebellion of any kind; or 5. a covered condition sustained while residing outside the United States, U.S. Territories, Canada, or Mexico for more than 12 months. Benefits will not be payable if the insured person is incarcerated in any type of penal or detention facility. A benefit for heart attack or sudden cardiac arrest is not payable if the event occurs during a medical procedure. During the first 12 of coverage benefits will not be payable for a pre-existing condition. A " pre-existing" condition is one in which you or an insured dependent receive treatment during the 12 months prior to the effective date of coverage. Treatment means consultation, care, and services provided or prescribed by a Physician for which symptoms exist. If you are a participant in a Critical Illness plan which this plan replaces and are diagnosed with a pre-existing condition, we will consider whether the condition was payable under the prior plan when determining if it will be payable under this plan. A complete list of benefit exclusions is included in the policy. State variations apply. This is not intended as a complete description of the insurance coverage offered. Controlling provisions are provided in the policy, and this summary does not modify those provisions or the insurance in any way. This is not a binding contract. A certificate of coverage will be made available to you that describes the benefits in greater detail. Refer to your certificate for your maximum benefit amounts. Should there be a difference between this summary and the contract, the contract will govern. Some benefits have limits on the number of services provided or limit the time frame in which the services must be rendered. See your certificate booklet or policy for more information. This insurance product does not satisfy the requirement of minimum essential coverage under the Affordable Care Act. Health advocacy services are provided by Health Advocate, Inc. (Plymouth Meeting, PA), the nation’s leading healthcare advocacy company. Coverage is subject to actual contract language. Each independent company is solely responsible for its own obligations. Health Advocate does not replace health insurance coverage, provide medical care or recommend treatment. Insurance products (policy series GL501) are issued by The Lincoln National Life Insurance Company (Fort Wayne, IN), which does not solicit business in New York, nor is it licensed to do so. In New York, insurance products (policy series GL501) are issued by Lincoln Life & Annuity Company of New York (Syracuse, NY). Both are Lincoln Financial Group® companies. Product availability and/or features may vary by state. Limitations and exclusions apply. Not for use in New York. ©2020 Lincoln National Corporation - LCN-2016806-020518 Group Critical Illness Insurance | Benefits At-A-Glance CI-ENRO-BRC001-LA Group Benefits It pays to be healthy (in more ways than one). Group Critical Illness health assessment benefit Healthcare professionals recommend regular health screenings — for good reason. Screenings make it possible to detect potential medical conditions early on so that you can take the necessary preventive measures to stay healthy. Now you have another incentive as well: If you are enrolled in Lincoln Financial Group Critical Illness insurance, we’ll pay you for keeping up with important screenings. As you’ll see below, a wide range of screenings and tests are covered. You’ll receive this benefit for one covered test per plan year — with no waiting period. Claims may be submitted by fax, mail, online through the employee self-service portal or email, and will be processed within 24 hours of receipt. Telephonic submissions are processed while the claimant is on the phone. The health assessment benefit is paid within 24 hours of receiving a completed claim form. Download the health assessment claim form at LincolnFinancial.com. Get money back for keeping up with your health screenings. Stress test Bone marrow testing Abdominal, aortic or carotid ultrasound Colonoscopy Angiography Flexible sigmoidoscopy CT angiography Hemoccult stool analysis Electrocardiogram (EKG/ECG) Double contrast barium enema Mammography Helical CT scan Breast ultrasound Pap smear Dental brush biopsy or other FDA approved screening for oral cancer CA 15-3 (blood test for breast cancer) Diabetes (A1C or fasting glucose) CA125 (blood test for ovarian cancer) HIV screening PSA (blood test for prostrate cancer) Hepatitis screening CEA (blood test for colon cancer) Human papillomavirus screening Serum protein electrophoresis (blood test for myeloma) Blood chemistry profile Schedule your important screenings, stay healthy and get cash back. CI-CIHAB-FLI001_Z01 1 ©2020 Lincoln National Corporation LincolnFinancial.com Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Affiliates are separately responsible for their own financial and contractual obligations. LCN-3282206-101320 MAP 10/20 Z01 Order code: CI-CIHAB-FLI001 In California and New York, applicants must have major medical insurance to be eligible for Critical Illness coverage. Health assessments are not available in Minnesota or Missouri. Some benefits have limits on the number of services provided or limit the time frame in which the services must be rendered. See your certificate booklet or policy for more information. This insurance product does not satisfy the requirement of minimum essential coverage under the Affordable Care Act. Insurance products are issued by The Lincoln National Life Insurance Company (Fort Wayne, IN), which does not solicit business in New York, nor is it licensed to do so. In New York, insurance products are issued by Lincoln Life & Annuity Company of New York (Syracuse, NY). Both are Lincoln Financial Group® companies. Product availability and/or features may vary by state. Limitations and exclusions apply. 2 Group Benefits Helping you navigate the healthcare system WHY HEALTH ADVOCATE? Saves you time and money Answers your health care coverage questions Helps you take full advantage of your health care benefits SUPPORT WHEN YOU NEED IT MOST Available for family members Access confidential support 24/7 Take charge of your health care with Health Advocate, included with your Lincoln Critical Illness insurance. You get unlimited confidential support from skilled experts who will answer your questions, research treatment options, coordinate benefits, and resolve billing and claims issues to ease your coverage concerns. Employees, spouses, dependents, parents, and parents-in-law can use this service, even if they’re not covered on your critical illness plan. Personal Health Advocate Your personal Health Advocate can help resolve your health care and insurance issues. With support from medical directors, registered nurses, and benefits and claims experts, they can help you: Find the right health care providers Understand diagnoses and treatment options Research and arrange second opinions Facilitate pre-authorizations and synchronize benefits Coordinate care and insurance or benefit payments Medical Bill SaverTM Expert negotiators work with your health care providers to lower out-of-pocket costs on unpaid medical and dental bills over $400 that are not covered by insurance. Get help with: Reducing claim costs, complaints, and appeals Understanding covered vs. noncovered services Getting provider signoff for payment terms and conditions CI-HEADV-FLI001_Z04 Not for use in New York and Washington. 1 Employee Assistance Program (EAP) and work-life balance Health Advocate’s professional counseling services promote your well-being and reduce stress and anxiety. Counseling services include: Help for depression, family issues, substance abuse, and more Up to three in-person or video conference counseling sessions, per issue, per year A 24/7 help hotline Help for balancing work-life demands: Find child care and eldercare services Work with financial and legal specialists Use online tools for budgeting and finances Personal concierge services Contact experts who can help you handle a wide range of personal tasks, such as: Travel arrangements, including flights, lodgings, and dining reservations Sports, concerts, and event tickets Event planning Contact Health Advocate for: Expert health care support with a personal Health Advocate, confidential counseling, claims resolution, or work-life balance support. Call: 866-799-2728 | Email: [email protected] Visit: HealthAdvocate.com/LincolnMembers Download the App today! ©2022 Lincoln National Corporation LincolnFinancial.com Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Affiliates are separately responsible for their own financial and contractual obligations. LCN-4749983-051822 PDF ADA 5/22 Z04 Order code: CI-HEADV-FLI001 Health advocate services are provided by Health Advocate, Inc. (Plymouth Meeting, PA), the nation’s leading independent health care advocacy and assistance company. This company is not a Lincoln Financial Group® company. Each independent company is solely responsible for its own obligations. Health Advocate does not replace health insurance coverage, provide medical care, or recommend treatment. Google Play and the Google Play logo are trademarks of Google LLC. App Store is a service mark of Apple Inc., registered in the U.S. and other countries. Not for use in New York and Washington. 2 Group Benefits Helping you navigate the healthcare system WHY HEALTH ADVOCATE? Saves you time and money Answers your health care coverage questions Helps you take full advantage of your health care benefits SUPPORT WHEN YOU NEED IT MOST Available for family members Access confidential support 24/7 Take charge of your health care with Health Advocate, included with your Lincoln Critical Illness insurance. You get unlimited confidential support from skilled experts who will answer your questions, research treatment options, coordinate benefits, and resolve billing and claims issues to ease your coverage concerns. Employees, spouses, dependents, parents, and parents-in-law can use this service, even if they’re not covered on your critical illness plan. Personal Health Advocate Your personal Health Advocate can help resolve your health care and insurance issues. With support from medical directors, registered nurses, and benefits and claims experts, they can help you: Find the right health care providers Understand diagnoses and treatment options Research and arrange second opinions Facilitate pre-authorizations and synchronize benefits Coordinate care and insurance or benefit payments Medical Bill SaverTM Expert negotiators work with your health care providers to lower out-of-pocket costs on unpaid medical and dental bills over $400 that are not covered by insurance. Get help with: Reducing claim costs, complaints, and appeals Understanding covered vs. noncovered services Getting provider signoff for payment terms and conditions CI-HEADV-FLI001_Z04 Not for use in New York and Washington. 1 Employee Assistance Program (EAP) and work-life balance Health Advocate’s professional counseling services promote your well-being and reduce stress and anxiety. Counseling services include: Help for depression, family issues, substance abuse, and more Up to three in-person or video conference counseling sessions, per issue, per year A 24/7 help hotline Help for balancing work-life demands: Find child care and eldercare services Work with financial and legal specialists Use online tools for budgeting and finances Personal concierge services Contact experts who can help you handle a wide range of personal tasks, such as: Travel arrangements, including flights, lodgings, and dining reservations Sports, concerts, and event tickets Event planning Contact Health Advocate for: Expert health care support with a personal Health Advocate, confidential counseling, claims resolution, or work-life balance support. Call: 866-799-2728 | Email: [email protected] Visit: HealthAdvocate.com/LincolnMembers Download the App today! ©2022 Lincoln National Corporation LincolnFinancial.com Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Affiliates are separately responsible for their own financial and contractual obligations. LCN-4749983-051822 PDF ADA 5/22 Z04 Order code: CI-HEADV-FLI001 Health advocate services are provided by Health Advocate, Inc. (Plymouth Meeting, PA), the nation’s leading independent health care advocacy and assistance company. This company is not a Lincoln Financial Group® company. Each independent company is solely responsible for its own obligations. Health Advocate does not replace health insurance coverage, provide medical care, or recommend treatment. Google Play and the Google Play logo are trademarks of Google LLC. App Store is a service mark of Apple Inc., registered in the U.S. and other countries. Not for use in New York and Washington. 2 Group Benefits It pays to be healthy (in more ways than one). Group Critical Illness health assessment benefit Healthcare professionals recommend regular health screenings — for good reason. Screenings make it possible to detect potential medical conditions early on so that you can take the necessary preventive measures to stay healthy. Now you have another incentive as well: If you are enrolled in Lincoln Financial Group Critical Illness insurance, we’ll pay you for keeping up with important screenings. As you’ll see below, a wide range of screenings and tests are covered. You’ll receive this benefit for one covered test per plan year — with no waiting period. Claims may be submitted by fax, mail, online through the employee self-service portal or email, and will be processed within 24 hours of receipt. Telephonic submissions are processed while the claimant is on the phone. The health assessment benefit is paid within 24 hours of receiving a completed claim form. Download the health assessment claim form at LincolnFinancial.com. Get money back for keeping up with your health screenings. Stress test Bone marrow testing Abdominal, aortic or carotid ultrasound Colonoscopy Angiography Flexible sigmoidoscopy CT angiography Hemoccult stool analysis Electrocardiogram (EKG/ECG) Double contrast barium enema Mammography Helical CT scan Breast ultrasound Pap smear Dental brush biopsy or other FDA approved screening for oral cancer CA 15-3 (blood test for breast cancer) Diabetes (A1C or fasting glucose) CA125 (blood test for ovarian cancer) HIV screening PSA (blood test for prostrate cancer) Hepatitis screening CEA (blood test for colon cancer) Human papillomavirus screening Serum protein electrophoresis (blood test for myeloma) Blood chemistry profile Schedule your important screenings, stay healthy and get cash back. CI-CIHAB-FLI001_Z01 1 ©2020 Lincoln National Corporation LincolnFinancial.com Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Affiliates are separately responsible for their own financial and contractual obligations. LCN-3282206-101320 MAP 10/20 Z01 Order code: CI-CIHAB-FLI001 In California and New York, applicants must have major medical insurance to be eligible for Critical Illness coverage. Health assessments are not available in Minnesota or Missouri. Some benefits have limits on the number of services provided or limit the time frame in which the services must be rendered. See your certificate booklet or policy for more information. This insurance product does not satisfy the requirement of minimum essential coverage under the Affordable Care Act. Insurance products are issued by The Lincoln National Life Insurance Company (Fort Wayne, IN), which does not solicit business in New York, nor is it licensed to do so. In New York, insurance products are issued by Lincoln Life & Annuity Company of New York (Syracuse, NY). Both are Lincoln Financial Group® companies. Product availability and/or features may vary by state. Limitations and exclusions apply. 2 Group Benefits LOGO Health Assessment Benefit: A valuable part of your group accident insurance It pays to be healthy. It’s easier to prevent a medical condition than to cure it. That’s why healthcare professionals recommend regular health screenings that can detect potential medical conditions early on. But if you’re enrolled in Lincoln Financial Group Accident Insurance, you have another incentive as well: We’ll pay you for keeping up with important screenings. As you can see below, a wide range of screenings and exams are covered. It’s easy to take advantage of this benefit: Each plan year, you’ll receive cash back for one covered screening — no waiting period. Claims may be submitted by fax, mail, online through the employee self-service portal or email, and will be processed within 24 hours of receipt. Telephonic submissions are processed while the claimant is on the phone. Your health assessment benefit will be paid within 24 hours of receiving a completed claim form. Get money back for keeping up with your health screenings. All covered persons Adults only Children only Routine dental examination Osteoporosis screening (bone mineral density) Sports/school physicals Accident/fall prevention counseling Immunizations: DTP, MMR, rotavirus, chicken pox, meningitis Annual physical Eye exam Hearing exam Depression screening Concussion screening Substance abuse screening/counseling Tetanus immunization Don’t put it off. Schedule your important screenings, stay healthy and get cash back. Health assessments are not available in Connecticut, Indiana, Michigan, Minnesota, Missouri, North Dakota, New Hampshire, New Jersey, New York, New Mexico, Vermont and Washington. ACC-AIHAB-FLI001_Z02 Insurance products issued by: The Lincoln National Life Insurance Company Lincoln Life & Annuity Company of New York 1 ©2021 Lincoln National Corporation LincolnFinancial.com Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Affiliates are separately responsible for their own financial and contractual obligations. LCN-3579995-050521 MAP 5/21 Z02 Order code: ACC-AIHAB-FLI001 State variations may apply. Some benefits have limits on the number of services provided or limit the time frame in which the services must be rendered. See your certificate booklet or policy for more information. This insurance product does not satisfy the requirement of minimum essential coverage under the Affordable Care Act. Insurance products are issued by The Lincoln National Life Insurance Company (Fort Wayne, IN), which does not solicit business in New York, nor is it licensed to do so. In New York, insurance products are issued by Lincoln Life & Annuity Company of New York (Syracuse, NY). Both are Lincoln Financial Group® companies. Product availability and/or features may vary by state. Limitations and exclusions apply. 2 Franciscan Missionaries of Our Lady Health System: Benefits At-A-Glance Emergency Treatment Your Cash Benefit Ambulance $225 Air ambulance $1,125 The Lincoln Group Accident Insurance: Emergency care $150 X-ray (within 60 days of the accident) $30 at initial visit Initial care visit $75 • Provides cash benefits if you or a covered family member is accidentally injured Major diagnostic exam $150 Fractures* Your Cash Benefit Fingers, toes Ankle, arm (elbow to wrist), elbow, foot (except toes), hand (except fingers), kneecap, rib, shoulder blade, vertebral process, wrist Coccyx, collarbone, lower jaw, sternum Arm (shoulder to elbow), bones of the face, nose, upper jaw Leg (knee to ankle), pelvis, skull non-depressed, vertebral body Hip, leg (hip to knee) $100 Skull depressed $3,500 Surgical treatment 2x nonsurgical benefit Chip fracture 25% of fracture benefit Accident Insurance • Features group rates for FMOLHS employees • Benefits are focused on the family, safety and accident prevention $450 $525 $875 $1,750 $2,625 *Fracture benefits listed are nonsurgical. Treatment for the fracture must occur within 90 days of the accident. The combined maximum of all fractures is two times the highest fracture payable. No money is due at enrollment. Your premium simply comes out of your paycheck. Dislocations* Your Cash Benefit Fingers, toes Collarbone (acromio and separation), elbow, hand (except fingers), lower jaw, shoulder, wrist Ankle, collarbone (sternoclavicular), foot (except toes) $100 Knee (except kneecap) $1,750 Hip $2,625 Surgical treatment 2x nonsurgical benefit Partial dislocation 25% of dislocation benefit $450 $875 *Dislocation benefits listed are nonsurgical. Treatment for the dislocation must occur within 90 days of the accident. The combined maximum of all dislocations is two times the highest dislocation payable. Specific Injuries Your Cash Benefit Blood, plasma, platelets $375 nd rd 2 or 3 degree burns: based upon surface area burned $100-$10,000 Skin grafts 25% of burn benefit Concussion $150 Dental crown $150 Dental extraction $75 Eye (surgical repair) $300 Eye (removal of foreign object) $150 Laceration: based upon the need for and length of sutures $35-$400 Traumatic brain injury $5,000 Surgical benefits:* Arthroscopic Cranial Hernia Thoracic/open abdominal Ligaments, tendons, rotator cuff Knee cartilage Ruptured disc Surgical repair under general anesthesia Surgical repair under conscious sedation $150 $1,125 $150 $1,500 $750 $750 $750 $225 $125 *Benefits will be paid up to two times the highest surgical benefit payable for all surgeries. Group Accident Insurance | Benefits At-A-Glance ACC-ENRO-BRC001-LA Hospitalization and ongoing care Your Cash Benefit Accident hospital admission $1,000 Accident intensive care admission $1,500 Accident hospital daily confinement $200 Accident intensive care daily confinement $400 Alternative care/rehab facility daily confinement $150 Physician follow-up visits (up to 2 visits) $75 Physical, occupational and chiropractic therapy (up to 6 sessions) $35 Epidural/cortisone pain management (up to 1 injection) $75 Medical mobility devices $75 Wheelchair (expected use less than one year) $150 Wheelchair (expected use one year or more) $300 Prosthesis (per limb) $750 Recovery assistance Your Cash Benefit Family care $50 Companion lodging (100+ miles from home) $100 per night up to 30 nights Transportation (100+ miles from home) $200 per trip up to three trips Moving Vehicle Benefits Your Cash Benefit Moving vehicle injury $100 Moving vehicle death $2,500 Additional 25% of motor vehicle injury or death benefit Additional 25% of motor vehicle injury or death benefit Additional 25% of motor vehicle injury or death benefit $100 Safe driver injury/death: seat belt Safe driver injury/death: air bag Safe driver injury/death: motor vehicle helmet Safe rider: other helmet (bicycle, scooter, skateboard, etc.) Group Accident Insurance | Benefits At-A-Glance ACC-ENRO-BRC001-LA Accidental Death & Dismemberment Benefit Accidental death Your death Your spouse or life partner Your child Common carrier death Your death Your spouse or life partner Your child A common carrier is any land, air or water conveyance licensed to transport passengers for hire. Transportation of remains (100+ miles) Your Cash Benefit $25,000 $10,000 $5,000 $50,000 $20,000 $10,000 $5,000 Loss of hand, foot, arm, leg, eye or hearing in one ear $5,000 Loss of finger, thumb, toe Severe loss (loss of sight in both eyes, loss of hearing in both ears, loss of speech, loss of both arms, loss of both legs, loss of arm and leg, paraplegia, hemiplegia, loss of both arms and both legs, quadriplegia) Education: This benefit is paid if an insured person dies within 365 days of a covered accident and is survived by one or more full-time students. $250 The education benefit is payable for each full-time student. Spouse training: This benefit is paid if a covered employee or dependent spouse dies within 365 days of a covered accident and the surviving spouse is enrolled as a student. The spouse training benefit covers students enrolled in any school that retrains or refreshes skills needed for employment within 365 days from the date of death. Modification to home/auto: This benefit is payable for modifications to make the principal residence accessible or the vehicle ridable if the insured suffers a severe loss. $10,000 10% of Accidental death benefit 10% of Accidental death benefit $1,000 This benefit is payable once per person within 365 days of the accident. Health Assessment Benefit You receive a cash benefit every year you and any of your covered family members complete a single covered assessment test $50 Additional Plan Benefits Portability Included Child Sports Injury Benefit Included Group Accident Insurance | Benefits At-A-Glance ACC-ENRO-BRC001-LA Benefit Exclusions Accident insurance covers many injuries that result from a covered event; though, the policy does have some exclusions. These are: 1. disease, physical or mental infirmity, sickness, or medical or surgical treatment of these; 2. suicide, attempted suicide or any intentionally self-inflicted injury, while sane or insane; 3. voluntary intake or use by any means of any drugs, poison, gas, or fumes, except when: a. prescribed or administered by a physician, and b. taken in accordance with the physician’s instructions; 4. committing or attempting to commit a felony; 5. war or any act of war, declared or undeclared; 6. participation in a riot, insurrection or rebellion of any kind; 7. military duty, including the Reserves or National Guard; 8. travel or flight in or on any aircraft, except: a. as a fare-paying passenger on a regularly scheduled commercial flight; or b. as a passenger, pilot or crew member in the group policyholder’s aircraft while flying for the group policyholder’s business, provided: i. the aircraft has a valid U.S. airworthiness certificate (or foreign equivalent); and ii. the pilot has a valid pilot’s certificate with a nonstudent rating authorizing him to fly the aircraft; 9. driving a vehicle while intoxicated, as defined by the jurisdiction where the accident occurred; 10. cosmetic or elective surgery; 11. being incarcerated in any type of penal or detention facility; 12. participating in, practicing for, or officiating any semi-professional or professional sport; 13. riding in or driving in any motor driven vehicle for race, stunt show or speed test; 14. an injury sustained while residing outside the U.S., U.S. territories, Canada or Mexico for more than 12 months; 15. bungee cord jumping, mountaineering or base jumping; 16. skydiving, parachuting or jumping from any aircraft for recreational purposes; This is not intended as a complete description of the insurance coverage offered. While benefit amounts stated in this summary are specific to your coverage, other items may summarize our standard product features and not the specific features of your coverage. Controlling provisions are provided in the policy, and this summary does not modify those provisions or the insurance in any way. This is not a binding contract. A policy will be made available to you that describes the benefits in greater detail. Refer to your certificate for your maximum benefit amounts. Should there be a difference between this summary and the policy, the policy will govern. Benefits may vary by state, have limits on the number of services provided, or limit the time frame in which the services must be rendered. See your certificate booklet or policy for more information. Insurance products (policy series GL401) are issued by The Lincoln National Life Insurance Company (Fort Wayne, IN), which does not solicit business in New York, nor is it licensed to do so. In New York, insurance products (policy series GL401) are issued by Lincoln Life & Annuity Company of New York (Syracuse, NY). Both are Lincoln Financial Group® companies. Product availability and/or features may vary by state. Limitations and exclusions apply. Not for use in New York. ©2020 Lincoln National Corporation - LCN-2016792-020518 Group Accident Insurance | Benefits At-A-Glance ACC-ENRO-BRC001-LA Group Benefits LOGO Health Assessment Benefit: A valuable part of your group accident insurance It pays to be healthy. It’s easier to prevent a medical condition than to cure it. That’s why healthcare professionals recommend regular health screenings that can detect potential medical conditions early on. But if you’re enrolled in Lincoln Financial Group Accident Insurance, you have another incentive as well: We’ll pay you for keeping up with important screenings. As you can see below, a wide range of screenings and exams are covered. It’s easy to take advantage of this benefit: Each plan year, you’ll receive cash back for one covered screening — no waiting period. Claims may be submitted by fax, mail, online through the employee self-service portal or email, and will be processed within 24 hours of receipt. Telephonic submissions are processed while the claimant is on the phone. Your health assessment benefit will be paid within 24 hours of receiving a completed claim form. Get money back for keeping up with your health screenings. All covered persons Adults only Children only Routine dental examination Osteoporosis screening (bone mineral density) Sports/school physicals Accident/fall prevention counseling Immunizations: DTP, MMR, rotavirus, chicken pox, meningitis Annual physical Eye exam Hearing exam Depression screening Concussion screening Substance abuse screening/counseling Tetanus immunization Don’t put it off. Schedule your important screenings, stay healthy and get cash back. Health assessments are not available in Connecticut, Indiana, Michigan, Minnesota, Missouri, North Dakota, New Hampshire, New Jersey, New York, New Mexico, Vermont and Washington. ACC-AIHAB-FLI001_Z02 Insurance products issued by: The Lincoln National Life Insurance Company Lincoln Life & Annuity Company of New York 1 ©2021 Lincoln National Corporation LincolnFinancial.com Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Affiliates are separately responsible for their own financial and contractual obligations. LCN-3579995-050521 MAP 5/21 Z02 Order code: ACC-AIHAB-FLI001 State variations may apply. Some benefits have limits on the number of services provided or limit the time frame in which the services must be rendered. See your certificate booklet or policy for more information. This insurance product does not satisfy the requirement of minimum essential coverage under the Affordable Care Act. Insurance products are issued by The Lincoln National Life Insurance Company (Fort Wayne, IN), which does not solicit business in New York, nor is it licensed to do so. In New York, insurance products are issued by Lincoln Life & Annuity Company of New York (Syracuse, NY). Both are Lincoln Financial Group® companies. Product availability and/or features may vary by state. Limitations and exclusions apply. 2 Franciscan Missionaries of Our Lady Health System: Benefits At-A-Glance Emergency Treatment Your Cash Benefit Ambulance $225 Air ambulance $1,125 The Lincoln Group Accident Insurance: Emergency care $150 X-ray (within 60 days of the accident) $30 at initial visit Initial care visit $75 • Provides cash benefits if you or a covered family member is accidentally injured Major diagnostic exam $150 Fractures* Your Cash Benefit Fingers, toes Ankle, arm (elbow to wrist), elbow, foot (except toes), hand (except fingers), kneecap, rib, shoulder blade, vertebral process, wrist Coccyx, collarbone, lower jaw, sternum Arm (shoulder to elbow), bones of the face, nose, upper jaw Leg (knee to ankle), pelvis, skull non-depressed, vertebral body Hip, leg (hip to knee) $100 Skull depressed $3,500 Surgical treatment 2x nonsurgical benefit Chip fracture 25% of fracture benefit Accident Insurance • Features group rates for FMOLHS employees • Benefits are focused on the family, safety and accident prevention $450 $525 $875 $1,750 $2,625 *Fracture benefits listed are nonsurgical. Treatment for the fracture must occur within 90 days of the accident. The combined maximum of all fractures is two times the highest fracture payable. No money is due at enrollment. Your premium simply comes out of your paycheck. Dislocations* Your Cash Benefit Fingers, toes Collarbone (acromio and separation), elbow, hand (except fingers), lower jaw, shoulder, wrist Ankle, collarbone (sternoclavicular), foot (except toes) $100 Knee (except kneecap) $1,750 Hip $2,625 Surgical treatment 2x nonsurgical benefit Partial dislocation 25% of dislocation benefit $450 $875 *Dislocation benefits listed are nonsurgical. Treatment for the dislocation must occur within 90 days of the accident. The combined maximum of all dislocations is two times the highest dislocation payable. Specific Injuries Your Cash Benefit Blood, plasma, platelets $375 nd rd 2 or 3 degree burns: based upon surface area burned $100-$10,000 Skin grafts 25% of burn benefit Concussion $150 Dental crown $150 Dental extraction $75 Eye (surgical repair) $300 Eye (removal of foreign object) $150 Laceration: based upon the need for and length of sutures $35-$400 Traumatic brain injury $5,000 Surgical benefits:* Arthroscopic Cranial Hernia Thoracic/open abdominal Ligaments, tendons, rotator cuff Knee cartilage Ruptured disc Surgical repair under general anesthesia Surgical repair under conscious sedation $150 $1,125 $150 $1,500 $750 $750 $750 $225 $125 *Benefits will be paid up to two times the highest surgical benefit payable for all surgeries. Group Accident Insurance | Benefits At-A-Glance ACC-ENRO-BRC001-LA Hospitalization and ongoing care Your Cash Benefit Accident hospital admission $1,000 Accident intensive care admission $1,500 Accident hospital daily confinement $200 Accident intensive care daily confinement $400 Alternative care/rehab facility daily confinement $150 Physician follow-up visits (up to 2 visits) $75 Physical, occupational and chiropractic therapy (up to 6 sessions) $35 Epidural/cortisone pain management (up to 1 injection) $75 Medical mobility devices $75 Wheelchair (expected use less than one year) $150 Wheelchair (expected use one year or more) $300 Prosthesis (per limb) $750 Recovery assistance Your Cash Benefit Family care $50 Companion lodging (100+ miles from home) $100 per night up to 30 nights Transportation (100+ miles from home) $200 per trip up to three trips Moving Vehicle Benefits Your Cash Benefit Moving vehicle injury $100 Moving vehicle death $2,500 Additional 25% of motor vehicle injury or death benefit Additional 25% of motor vehicle injury or death benefit Additional 25% of motor vehicle injury or death benefit $100 Safe driver injury/death: seat belt Safe driver injury/death: air bag Safe driver injury/death: motor vehicle helmet Safe rider: other helmet (bicycle, scooter, skateboard, etc.) Group Accident Insurance | Benefits At-A-Glance ACC-ENRO-BRC001-LA Accidental Death & Dismemberment Benefit Accidental death Your death Your spouse or life partner Your child Common carrier death Your death Your spouse or life partner Your child A common carrier is any land, air or water conveyance licensed to transport passengers for hire. Transportation of remains (100+ miles) Your Cash Benefit $25,000 $10,000 $5,000 $50,000 $20,000 $10,000 $5,000 Loss of hand, foot, arm, leg, eye or hearing in one ear $5,000 Loss of finger, thumb, toe Severe loss (loss of sight in both eyes, loss of hearing in both ears, loss of speech, loss of both arms, loss of both legs, loss of arm and leg, paraplegia, hemiplegia, loss of both arms and both legs, quadriplegia) Education: This benefit is paid if an insured person dies within 365 days of a covered accident and is survived by one or more full-time students. $250 The education benefit is payable for each full-time student. Spouse training: This benefit is paid if a covered employee or dependent spouse dies within 365 days of a covered accident and the surviving spouse is enrolled as a student. The spouse training benefit covers students enrolled in any school that retrains or refreshes skills needed for employment within 365 days from the date of death. Modification to home/auto: This benefit is payable for modifications to make the principal residence accessible or the vehicle ridable if the insured suffers a severe loss. $10,000 10% of Accidental death benefit 10% of Accidental death benefit $1,000 This benefit is payable once per person within 365 days of the accident. Health Assessment Benefit You receive a cash benefit every year you and any of your covered family members complete a single covered assessment test $50 Additional Plan Benefits Portability Included Child Sports Injury Benefit Included Group Accident Insurance | Benefits At-A-Glance ACC-ENRO-BRC001-LA Benefit Exclusions Accident insurance covers many injuries that result from a covered event; though, the policy does have some exclusions. These are: 1. disease, physical or mental infirmity, sickness, or medical or surgical treatment of these; 2. suicide, attempted suicide or any intentionally self-inflicted injury, while sane or insane; 3. voluntary intake or use by any means of any drugs, poison, gas, or fumes, except when: a. prescribed or administered by a physician, and b. taken in accordance with the physician’s instructions; 4. committing or attempting to commit a felony; 5. war or any act of war, declared or undeclared; 6. participation in a riot, insurrection or rebellion of any kind; 7. military duty, including the Reserves or National Guard; 8. travel or flight in or on any aircraft, except: a. as a fare-paying passenger on a regularly scheduled commercial flight; or b. as a passenger, pilot or crew member in the group policyholder’s aircraft while flying for the group policyholder’s business, provided: i. the aircraft has a valid U.S. airworthiness certificate (or foreign equivalent); and ii. the pilot has a valid pilot’s certificate with a nonstudent rating authorizing him to fly the aircraft; 9. driving a vehicle while intoxicated, as defined by the jurisdiction where the accident occurred; 10. cosmetic or elective surgery; 11. being incarcerated in any type of penal or detention facility; 12. participating in, practicing for, or officiating any semi-professional or professional sport; 13. riding in or driving in any motor driven vehicle for race, stunt show or speed test; 14. an injury sustained while residing outside the U.S., U.S. territories, Canada or Mexico for more than 12 months; 15. bungee cord jumping, mountaineering or base jumping; 16. skydiving, parachuting or jumping from any aircraft for recreational purposes; This is not intended as a complete description of the insurance coverage offered. While benefit amounts stated in this summary are specific to your coverage, other items may summarize our standard product features and not the specific features of your coverage. Controlling provisions are provided in the policy, and this summary does not modify those provisions or the insurance in any way. This is not a binding contract. A policy will be made available to you that describes the benefits in greater detail. Refer to your certificate for your maximum benefit amounts. Should there be a difference between this summary and the policy, the policy will govern. Benefits may vary by state, have limits on the number of services provided, or limit the time frame in which the services must be rendered. See your certificate booklet or policy for more information. Insurance products (policy series GL401) are issued by The Lincoln National Life Insurance Company (Fort Wayne, IN), which does not solicit business in New York, nor is it licensed to do so. In New York, insurance products (policy series GL401) are issued by Lincoln Life & Annuity Company of New York (Syracuse, NY). Both are Lincoln Financial Group® companies. Product availability and/or features may vary by state. Limitations and exclusions apply. Not for use in New York. ©2020 Lincoln National Corporation - LCN-2016792-020518 Group Accident Insurance | Benefits At-A-Glance ACC-ENRO-BRC001-LA All Full-Time and Regular Part-Time Employees of Franciscan Missionaries of Our Lady Health System Benefits At-A-Glance Voluntary Term Life Insurance Employee The Lincoln Term Life Insurance Plan: Newly hired employee guaranteed coverage amount Continuing employee guaranteed coverage annual increase amount • Provides a cash benefit to your Maximum coverage amount loved ones in the event of your Minimum coverage amount death • Features group rates for Franciscan Missionaries of Our Lady Health System employees • Includes LifeKeys® services, Newly hired employee guaranteed coverage amount Continuing employee guaranteed coverage annual increase amount Maximum coverage amount Minimum coverage amount counseling, financial, and legal Dependent Children • Also includes TravelConnect® services, which give you and your family access to Choice of $10,000 or $20,000 $300,000 maximum in increments of $10,000 $10,000 Spouse which provide access to support services $300,000 6 months to age 21 (to age 25 if full-time student) guaranteed coverage amount Age 14 days to 6 months guaranteed coverage amount $30,000 Choice of $10,000 or $20,000 100% of the employee coverage amount ($30,000 maximum in increments of $10,000) $10,000 $10,000 $250 emergency medical assistance when you’re on a trip 100+ miles from home 1 The Lincoln National Life Insurance Company What your benefits cover Employee Coverage Guaranteed Life Insurance Coverage Amount • Initial Open Enrollment: When you are first offered this coverage, you can choose a coverage amount up to $300,000 without providing evidence of insurability. • Annual Limited Enrollment: If you are a continuing employee, you can increase your coverage amount by $10,000 or $20,000 without providing evidence of insurability . If you submitted evidence of insurability in the past and were declined for medical reasons, you may be required to submit evidence of insurability. • If you decline this coverage now and wish to enroll later, evidence of insurability may be required and may be at your own expense. • You can increase this amount by up to $20,000 during the next limited open enrollment period. Maximum Life Insurance Coverage Amount • You can choose a coverage amount up to $300,000 with evidence of insurability. See the Evidence of Insurability page for details. Spouse Coverage - You can secure term life insurance for your spouse if you select coverage for yourself. Guaranteed Life Insurance Coverage Amount • Initial Open Enrollment: When you are first offered this coverage, you can choose a coverage amount up to 100% of your coverage amount ($30,000 maximum) for your spouse without providing evidence of insurability. • Annual Limited Enrollment: If you are a continuing employee, you can increase the coverage amount for your spouse by $10,000 or $20,000 without providing evidence of insurability. If you submitted evidence of insurability in the past and were declined for medical reasons, you may be required to submit evidence of insurability. • If you decline this coverage now and wish to enroll later, evidence of insurability may be required and may be at your own expense. • You can increase this amount by up to $20,000 during the next limited open enrollment period. Maximum Life Insurance Coverage Amount • You can choose a coverage amount up to 100% of your coverage amount ($30,000 maximum) for your spouse with evidence of insurability. Dependent Children Coverage - You can secure term life insurance for your dependent children when you choose coverage for yourself. Guaranteed Life Insurance Coverage Options: $10,000 Voluntary Life Insurance Benefits At-A-Glance LFE-ENRO-BRC001-LA 2 Additional Plan Benefits Accelerated Death Benefit Included Premium Waiver Included Conversion Included Portability Included Benefit Exclusions Like any insurance, this term life insurance policy does have exclusions. A suicide exclusion may apply. A complete list of benefit exclusions is included in the policy. State variations apply. Questions? Call 855-818-2883 and mention Group ID: FMOLHS. This is not intended as a complete description of the insurance coverage offered. Controlling provisions are provided in the policy, and this summary does not modify those provisions or the insurance in any way. This is not a binding contract. A certificate of coverage will be made available to you that describes the benefits in greater detail. Refer to your certificate for your maximum benefit amounts. Should there be a difference between this summary and the contract, the contract will govern. LifeKeys® services are provided by ComPsych® Corporation, Chicago, IL. TravelConnect® travel assistance services are provided by On Call International, Salem NH. On Call International must coordinate and provide all arrangements in order for eligible services to be covered. ComPsych® and On Call International are not Lincoln Financial Group companies and Lincoln Financial Group does not administer these Services. Each independent company is solely responsible for its own obligations. Coverage is subject to contract language that contains specific terms, conditions, and limitations. Insurance products (policy series GL1101) are issued by The Lincoln National Life Insurance Company (Fort Wayne, IN), which does not solicit business in New York, nor is it licensed to do so. Product availability and/or features may vary by state. Limitations and exclusions apply. ©2020 Lincoln National Corporation LCN-2016746-020518 R 1.0 – Group ID: FMOLHS LFE-ENRO-BRC001-LA Voluntary Life Insurance Benefits At-A-Glance 3 Semi-Monthly Voluntary Life Insurance Premium Here’s how little you pay with group rates. 0 - 29 30 - 34 35 - 39 40 - 44 45 - 49 50 - 54 55 - 59 60 - 64 65 - 69 Life Premium Rate Factor 0.0000350 0.0000400 0.0000550 0.0000850 0.0001350 0.0002650 0.0004300 0.0005200 0.0009000 70 - 74 75 - 79 80 - 99 0.0021300 0.0052650 0.0122150 Employee Age Range 0 - 29 30 - 34 35 - 39 40 - 44 45 - 49 50 - 54 55 - 59 60 - 64 65 - 69 70 - 74 75 - 79 Life Premium Rate Factor 0.0000350 0.0000400 0.0000550 0.0000850 0.0001350 0.0002650 0.0004300 0.0005200 0.0009000 0.0021300 0.0052650 80 - 99 0.0122150 Employee Age Range Dependent Children SemiMonthly Premium for Life Insurance Coverage Coverage Amount $10,000 Semi-Monthly Premium $0.10 Group Rates for You The estimated semi-monthly premium for life insurance is determined by multiplying the desired amount of coverage (in increments of $10,000) by the employee age-range premium factor. $____________ X coverage amount ___________ = premium factor semi-monthly premium Note: Rates are subject to change and can vary over time. Group Rates for Your Spouse The estimated semi-monthly premium for life insurance is determined by multiplying the desired amount of coverage (in increments of $10,000) by the employee age-range premium factor. $____________ X coverage amount ___________ = premium factor $_______________ semi-monthly premium Note: Rates are subject to change and can vary over time. Group Rates for Your Dependent Children One affordable semi-monthly premium covers all of your eligible dependent children. Note: You must be an active Franciscan Missionaries of Our Lady Health System employee to select coverage for a spouse and/or dependent children. To be eligible for coverage, a spouse or dependent child cannot be confined to a health care facility or unable to perform the typical activities of a healthy person of the same age and gender. The Lincoln National Life Insurance Company Please see prior page for product information. Voluntary Life Insurance At-A-Glance LFE-ENRO-BRC001-LA $_______________ 4 Voluntary Long-term Disability Insurance The Lincoln Long-term Disability Insurance Advantage Plan: • Provides a cash benefit after you are out of work for 90 days or more due to injury, illness, or surgery • Starts with a “core plan” that is available to you with affordable group rates • Offers a simple “buy-up” option that lets you enhance your benefit with affordable group rates • Features group rates for eligible Franciscan Missionaries of Our Lady Health System employee • Includes EmployeeConnectSM services, which give you and your family confidential access to counselors as well as personal, legal, and financial assistance All Full-Time Employees of Our Lady of the Lourdes Regional Medical Center, Our Lady of the Lake Regional Medical Center, St.Francis Medical Center with 6 Months to 10 Years of Service excluding Executives and Physicians; Our Lady of the Lake Ascension Community Hospital with 6 Months to 10 Years of Service; and St. Dominic Health System with 6 Months to 10 Years of Service excluding Executives of Franciscan Missionaries of Our Lady Health System Benefits At-A-Glance Core Plan (paid by you through payroll deduction) 50% of your monthly salary, limited to $3,000 per month 90 days Monthly benefit amount Elimination period Coverage period for your occupation Maximum coverage period 24 months Up to age 65 or Social Security Normal Retirement Age (SSNRA), whichever is later “Buy-Up” Option (paid by you through payroll deduction) Monthly benefit amount 60% of monthly pay, limited to $10,000 Elimination period 90 days Coverage period for your occupation 24 months Maximum coverage period Up to age 65 or Social Security Normal Retirement Age (SSNRA), whichever is later Elimination Period • This is the number of days you must be disabled before you can collect disability benefits. • The elimination period can be met through either total disability (out of work entirely) or partial disability (working with a reduced schedule or performing different types of duties). Coverage Period for Your Occupation • This is the coverage period for the trade or profession in which you were employed at the time of your disability (also known as your own occupation). • You may be eligible to continue receiving benefits if your disability prohibits you from any employment for which you are reasonably suited through your training, education, and experience. In this case, your benefits are extended through the end of your maximum coverage period (benefit duration). Maximum Coverage Period • This is the total amount of time you can collect disability benefits (also known as the benefit duration). • Benefits are limited to 24 months for mental illness; 24 months for specified illnesses. 1 The Lincoln National Life Insurance Company Benefit Exclusions & Reductions Additional Plan Benefits Premium Waiver Included Like any insurance, this long-term disability insurance policy does have some exclusions. You will not receive benefits if: Family Income Benefit Included • Your disability is the result of a self-inflicted injury or act of war • You are not under the regular care of a doctor when you request disability benefits Open Enrollment • When you are first offered this coverage (and during approved open enrollment periods), you can take advantage of this important coverage. • If you decline this coverage now and wish to enroll later, a health examination may be required. Pre-existing Condition • If you have a medical condition that begins before your coverage takes effect, and you receive treatment for this condition within the 6 months leading up to your coverage start date, you may not be eligible for benefits for that condition until you have been covered by the plan for 12 months. • Your disability occurs while you are committing a felony or participating in a riot • Your disability occurs while you are imprisoned for committing a felony • Your disability occurs while you are residing outside of the United States or Canada for more than 12 consecutive months for a purpose other than work Your benefits may be reduced if you are eligible to receive benefits from: • A state disability plan or similar compulsory benefit act or law • A retirement plan • Social Security • Any form of employment • Workers’ Compensation • Salary continuance • Sick leave A complete list of benefit exclusions and reductions is included in the policy. State restrictions may apply to this plan. Questions? Call 855-818-2883 and mention Group ID: FMOLHS. This is not intended as a complete description of the insurance coverage offered. Controlling provisions are provided in the policy, and this summary does not modify those provisions or the insurance in any way. This is not a binding contract. A certificate of coverage will be made available to you that describes the benefits in greater detail. Refer to your certificate for your maximum benefit amounts. Should there be a difference between this summary and the contract, the contract will govern. EmployeeConnectSM services are provided by ComPsych® Corporation, Chicago, IL. ComPsych® and GuidanceResources® are registered trademarks of ComPsych® Corporation. ComPsych® is not a Lincoln Financial Group® company. Coverage is subject to actual contract language. Each independent company is solely responsible for its own obligations. Insurance products (policy series GL3001) are issued by The Lincoln National Life Insurance Company (Fort Wayne, IN), which does not solicit business in New York, nor is it licensed to do so. Product availability and/or features may vary by state. Limitations and exclusions apply. ©2020 Lincoln National Corporation LCN-2016714-020518 R 1.0 – Group ID: FMOLHS LTD-ENRO-BRC001-LA Voluntary Long-term Disability Insurance At-A-Glance| Advantage Plan 2 Voluntary Long-term Disability Insurance Here’s how little you pay with group rates. You can elect the “core plan,” which provides 50% of your monthly income while you are out of work due to a covered injury, illness, or surgery. You can increase your cash benefit amount with the affordable “buy-up” option. Your estimated semi-monthly premium is determined by multiplying your monthly salary amount (up to $6,000) by the premium rate 0.00090. If your monthly salary exceeds $6,000, multiply $6,000 by 0.00090. $ X =$ monthly salary 0.00090 premium rate semi-monthly premium Your estimated semi-monthly buy-up premium is determined by multiplying your monthly salary amount (up to $16,667) by the premium rate of 0.00090. If your monthly salary exceeds $16,667, multiply $16,667 by 0.00090. $ X 0.00090 =$ (monthly salary) (rate) (semi-monthly premium) The Lincoln National Life Insurance Company Please see prior page for product information. LTD-ENRO-BRC001-LA Voluntary Long-term Disability Insurance At-A-Glance | Advantage Plan 3

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