Sentences with phrase «one's group coverage»

Both term and universal policies are available for group coverage.

Many employers provide, at no cost, a base amount of group coverage as well as the ability to purchase supplemental coverage through payroll deductions.

Only a few insurers offer group coverage for small groups and generally have a minimum requirement of 10 employees.

If you don't have group coverage through work, you probably have private insurance policies for medical, dental, life and disability insurance.

There is no mandatory participation required in group coverage plans.

You have essentially those same two options with group coverage.

Employees of medium to large companies may be offered group coverage at work.

My husband is self employed so we don't get group coverage as most employees receive and I have not seen one policy that covers maternity.

The average request for small group coverage is roughly in line with the two previous years.

There will three other streams in addition to the featured group coverage.

You may be able to buy group coverage if it's offered by your employer, union, or association.

Large group coverage does not have to follow the modified community rating rules that apply to small group and individual plans.

That's because employer - provided group coverage doesn't usually require a medical exam, so workers pay a bit more to account for less healthy people in the mix.

It's important to evaluate the options available and terms of the policy before purchasing group coverage.

The best part is that it's not any more difficult than if you were applying for a long - term disability insurance policy without group coverage already in place.

Often, this comes from high limit disability insurance, which is meant to build on their existing group coverage.

If you change employers, you're typically going to have a 3 - 12 month waiting period before you have the ability to purchase supplement group coverage.

When group coverage and traditional individual disability insurance don't provide enough coverage, the high - income professional can purchase a supplemental disability insurance policy.

Keep up with all of our reading group coverage here!

These are just a few reasons why group coverage is insufficient and should be supplemented with an individual policy.

If you're an employee and your company has just recently introduced group coverage, we highly recommend assessing your own coverage in detail.

Although rates are higher for Silver and Gold - tier options, the coverage will closely match group coverage that may have been recently in effect.

An individual who worked with a company for many years may have retired with a small life insurance benefit even though the original group coverage will no longer be active.

With worldwide coverage, including country of citizenship, this is employer - sponsored group coverage for crew members working at sea.

However, although group coverage is very desirable for many drivers, it is not available in most states.

A group plan would continue as long as you are employed with your employer who is sponsoring the plan or associated with the group that provides its members group coverage.

If you are seeking group coverage as part of your overall employee benefit plan, then you need to work with an agent who understands the many complexities of the modern health insurance market.

Where insurance is offered, the coverage is typically group coverage, which lowers the cost of insurance by spreading the cost of coverage over a larger number of participants.

In most cases, the cost of group coverage is far less than what the employees or members would pay for a similar amount of individual protection.

We are talking about individual private disability insurance coverage, rather than group coverage through your employer.

Employees of medium to large companies may be offered group coverage at work.

You may be offered group coverage at work, and this can be a simple and affordable way to get covered.

There may be special tax incentives available to some businesses providing group coverage to employees.

And in many states, small group coverage could be issued with higher premiums based on the group's medical history.

It's important to evaluate the options available and terms of the policy before purchasing group coverage.

When the featured groups coverage ends, the usual switch to a featured holes stream focusing on Nos. 12 and 16 will kick in.

You own your coverage Unlike group coverage that can change or end as you move from one employer to another or retire, you will «own» your CoverMe Term Life insurance coverage up until age 85.

But a convict may be able to convert group coverage to an individual policy before entering prison.

To get costs down: Insure your car and home on the same policy, get group coverage if your employer offers it, make your home disaster - resistant (e.g. proofed against hurricanes and floods), and install security.

Starting in 2014, insurance carriers will no longer be able to price small group coverage based on employees» health status and claims history.

Unless the noncustodial parent is already providing health care to the children, the custodial parent must provide coverage if it is available to them at a reasonable cost through employment or other group coverage.

They should also cut $ 700 from the clothing budget, $ 500 from the vacation budget, $ 1,740 from landscaping, $ 500 from furniture and electronics, $ 500 from life insurance (see below), and possibly drop their disability insurance if it can be replaced by group coverage from Henry's employer.

For example, if you simply can not afford to pay premiums, become eligible for Medicare (or Medicaid), or obtain group coverage through your employer, discontinuing the policy may be the best choice.

There will be marquee group coverage throughout the round.

Colleagues working in the same lab often have very different health care options, some receiving the same high - quality group coverage that faculty members get, some limited to lesser plans at higher cost, and some forced to buy their own insurance on the private market.

These cases encompass a wide range of allegations, including the misinterpretation of policy provisions, inappropriate group coverage, undervaluation of claims, and issues involving Personal Injury Protection (PIP) Insurance.

Group coverage designed specifically to provide comprehensive medical insurance to marine crew by offering continuous coverage worldwide.

If you are healthy and do not have any major conditions, «Catastrophic» and «Bronze» Metal tier rates are often lower than traditional group coverage for individuals and families.

Atlas America Group coverage is designed for mission trips, large family vacations, student groups, corporate groups, and overseas excursions for other large organizations.

On the other hand, if you need more life insurance than is provided as basic group coverage and have had trouble being approved for an individual policy, you should purchase supplemental life insurance.