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The U-Select program from Combined Insurance is designed to provide you with the opportunity to address speciﬁc needs you may have in your personal beneﬁt planning. It’s important that you and your loved ones have ﬁnancial resources available in the event of an unplanned or life-changing occurrence. All of the insurance products available through the U-Select program are portable. This means you can keep the cov- erage even if you have a job change. These insurance policies are competitively priced. A supplemental benefits program LET’S MAKE THIS EASY. Combined Insurance Company of America CBS-135R2-6mo (8-10) purch Chicago, Illinois Why supplemental beneﬁts? The Products* • No single employee beneﬁts plan can meet the needs • Universal Life Insurance: Provides growing cash of every employee. reserves for you as well as death beneﬁts. Spouse and children’s coverages are available. • High quality beneﬁts are an excellent way to cost- effectively provide ﬁnancial protection for you and • Level Term Life Insurance: Provides funds to help your your family. family pay debts in the event of your death. Spouse and children’s coverages are available. • Indemnity benefits are paid directly to the insureds to • Disability Income Insurance: Provides a monthly provide them and their families with additional funds income if you become ill or are injured and are unable to use in whatever manner they need, such as to help to work. pay debts or out-of-pocket expenses. • SuperHERO Accident-only Insurance:† Provides a daily • The convenience of obtaining affordable, appropriate cash benefit directly to the insured when he or she is insurance products by using payroll deduction. confined in a Hospital, treated in an Emergency Room • Payroll deduction is an automatic way for you to or has Outpatient surgery due to a covered accident. budget for your needs. Optional sickness coverage plus spouse and family coverages are available. • You decide whether to participate — based on your • Accident & Sickness Hospitalization Insurance:† needs or circumstance. Provides you with additional money to help offset deductibles and co-pays should you be hospitalized. The Process (The U-Select® Program) Spouse and children’s coverages are available. • A brief “needs analysis” using the One Minute Beneﬁt • Accidental Death & Dismemberment Insurance: Planner® helps you determine what types of coverage Provides additional money to you or your family when you and your family may need. an accidental death or a bodily dismemberment occurs. • One-on-one consultation with a licensed insurance • Critical Care Protector: Provides additional money if beneﬁts specialist. you become ill with a covered critical condition such as cancer (except skin cancer), heart attack, stroke, • Communication of your current employer-provided kidney failure, brain tumor, Multiple Sclerosis, blindness beneﬁts and an explanation of their full value. and other speciﬁed conditions. • Customized beneﬁt options based on your needs • Personal Accident & Disability Insurance: Provides and priorities. additional money if a covered accident and a resulting disability disrupts your life. Family coverage is available.† • Affordable beneﬁts selections at less than the equivalent of one hour’s pay per week. • Cancer Insurance: Provides you with cash beneﬁts that can be used toward treatment, transportation and other related expenses associated with a cancer diag- The Service nosis. Spouse and children’s coverages are available. • An annual review of your beneﬁts and needs. • A customer service representative is assigned to your Eligibility** company or organization. All employees who work 30 hours or more per week are eligible to apply for the above beneﬁts once they have • Products and beneﬁts that can be customized to your worked here for a minimum of six consecutive months.† particular needs. Final eligibility is determined by the specific product underwriting guidelines. Who is Combined Insurance? • Combined Insurance provides supplemental insurance * Product availability, coverage amounts, beneﬁt levels and options may vary. Also, products to individuals directly or through their all products have exclusions, limitations, reductions and/or terms under which the workplace. selected product may continue in force. For costs and complete details of the coverage, please consult with a Combined Insurance representative. • Combined Insurance Company of America was † Employees who work 20 hours or more per week and have worked here for a minimum of 6 consecutive months are eligible to apply for SuperHERO Accident, founded in 1922 and now operates worldwide. the Accident & Sickness Hospitalization Plan and Personal Accident & Disability Insurance. • Combined Insurance is rated A (Excellent) for its financial ** Employment eligibility requirements may vary. See a representative from Human strength by A.M. Best, an independent ratings agency. Resources or the Benefits Department for any differences. LET’S MAKE THIS EASY.
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