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 Hagan Benefits, Inc. / Serving Associations / ENA Products  Group Life Make Sure Your Life Insurance Fits Your Growing Needs. Nothing can replace the loss of a loved one, but carefully chosen life insurance coverage can ease the financial stress that death brings to a family. As your financial responsibilities increase, you should ensure that your life insurance will be able to meet the added expenses. Benefits Planning ahead often spells the difference between success and failure. When it comes to your family's security, that means adequate life insurance protection. Now is a good time to review your life protection and make sure it has kept pace with inflation and your changing needs. This excellent program offers coverage to you and your family. Benefits include:
Acceptance into this plan is subject to medical evidence of insurability as determined by Hartford Life. Depending on your age, the amount of coverage you request and your answers on the application, a medical examination, medical test(s) or other evidence of good health may be required. Any exams/tests requested by the company will be conducted at your convenience and at no expense to you. The life benefit will be paid for death occurring at any time, any place, from any cause, except suicide during the first two years (we will refund the entire premium paid to date if suicide is committed during the first two years). Life benefits are paid to the beneficiary you designate. Living Benefits Option ("Accelerated Benefit") Facing a terminal illness is a critical time for anyone-both emotionally and financially. Most people have friends or family for emotional support, but where do they turn for financial assistance? Hartford Life's Living Benefits Option may relieve some of the financial burdens associated with a terminal illness. This benefit allows you (and your spouse if covered) a one time option to receive up to 50% of the term life insurance proceeds, from $120,000 to a maximum of $500,000, upon being diagnosed by a physician as having twelve months or less to live as long as you are under age 70. For example, if you're covered for $100,000 under the Term Life Plan and you become terminally ill, you may request an amount between $10,000 and $50,000. However, if you select $20,000 now, you may not request the remaining $30,000 in the future. The funds are received in a lump sum payment without restriction on how you can use them. The face amount of your term life policy is then reduced by the accelerated benefit amount paid out. Individuals should consult their personal tax advisor since the proceeds under this benefit may be taxable. Eligibility All active members of the Emergency Nurses Association in good standing under age 65 who can provide acceptable evidence of insurability are eligible to apply for coverage. All spouses of members under age 65 who can provide acceptable evidence of insurability are also eligible to apply. Unmarried, dependent children of members who rely on those members for support, from age 15 days to 19 years (25 if a full-time student), are eligible for coverage as well. When both spouses are eligible members, each may apply for coverage as "members"; however, coverage may not be duplicated by applying as dependents of each other. Coverage for eligible children may only be requested by one member. Coverage Effective Date Your insurance will become effective on the first day of the month following the date that the Company approved your application and your premium is paid. Dependents' coverage begins the date you become covered or the first day of the month following approval to add such dependent, whichever date is later, and provided the required premium is paid. A member or spouse must be able to perform the normal activities of a person of like age and sex in good health on the date his or her insurance is to take effect. If such is not the case, their insurance will take effect on the day the person resumes such activities. *Actively-at-work means a person who is performing all the regular duties of his or her occupation on a full-time basis (at least 24 hours per week) at his or her customary place of employment. Termination Your coverage will remain in force as long as you pay your premiums when due, remain an active member of the Emergency Nurses Association, you are under age 70, and the program remains in force. Dependents' coverage terminates if your coverage terminates, premiums are not paid when due or such person ceases to be an eligible dependent. Premium Calculator Non-Smoker and Smoker rates are provided. Smoker means a person who has smoked cigarettes, cigars or used a pipe or chewing tobacco, nicotine chewing gum or snuff during the 12 months prior to the date he or she applied for coverage. A discount is also available if you purchase a benefit of $100,000 or more. In reviewing the following rates, be sure you select the correct column depending on the whether you're a Smoker or not and what amount of coverage you're selecting. ANNUAL RATES PER $1,000 Benefits Amount Age: less than $100,000 benefit $100,000+ benefit Non-smoker smoker non-smoker smoker One or More Children: $12.00 *Renewal Only Rates are based on the attained age of the Insured Person and increase as you enter each new age category. Premiums are based on each person's age at date of issue and change on the renewal dates occurring on, or the next following the date a person covered under the program attains ages 30, 35, 40, 45, 50, 55, 60 and 65. The Company reserves the right to change premiums and rates may be changed on a class basis. Waiver of Premium for Disability If you become totally disabled before age 60 while you're covered under this program and the disability continues for six consecutive months, your life insurance will be continued in force without further premium payment while you remain disabled. Please note this provision does not apply to dependents' benefits. A total disability is one which prevents you from engaging in any occupation for wage or profit and must result from an injury or sickness. Conversion Privilege If your coverage ends for any reason (except for policy cancellation, coverage for a class of persons ends, or because of non-payment), you have the right to request an individual policy without having to provide evidence of insurability. To convert to an individual policy you must complete a notice of conversion privilege form for the conversion policy and send in the required premium within 31 days from the time your term life plan ends. Complete details may be found in your term life certificate of insurance. 30 Day Free Review You have 30 days from your effective date of coverage to look over the program and discuss it with your family and advisors. If you are not satisfied, you may return your certificate within 30 days for a full premium refund. Beneficiary Designation Any person or persons you name may be the beneficiary of this insurance. You can change your beneficiary at any time by giving written notice to the Plan Administrator. Exclusions and Limitations Suicide is excluded for two years from the effective date of each person's coverage (In the event of death due to suicide, we will only pay an amount equal to the premium paid for coverage to the date of death). Privacy Policy Legal Notice Disability Protect Your Most Valuable Asset: Your Ability to Earn a Living An injury or illness that results in disability could keep you from working for months. Your major medical insurance would cover much of your hospital and physician expenses, but how would you replace your income? Disability income insurance can help protect your home, your children's education and the assets for which you've worked so hard. Benefits Thanks to your membership in the Emergency Nurses Association, you now have the opportunity to apply for a comprehensive income protection plan from Hartford Life at reasonable group rates. Disability Income Protection will partially replace your income if you're sick or injured and can't work. Your plan will provide you with these valuable benefits:
How would you continue to pay your bills if you suddenly became too sick or too hurt to work? Without an income, years of hard-earned savings could evaporate in a matter of months, even weeks. That unpleasant thought is a reality that every breadwinner should consider. The odds of becoming disabled are probably much greater than you think: In 1995, 120,000,000 workdays were lost because of work injuries.* In 1994, there were 8.4 injuries and illnesses for every 100 workers in the private sector. This represents 6.8 million men and women.** *National Safety Council, Accident Facts 1996 Edition **National Safety Council, Accident Facts 1996 Edition Benefits and Waiting Periods You may purchase the following amounts:
*Please note: Your benefit amount is limited to 60% of your monthly earned income. Benefits will be reduced by the amount of other income benefits you receive and by 50% of income derived from approved rehabilitation programs, but in no event will your benefit be less than $50 per month. You can receive disability benefits for Long Term Disability up to 2 years, 5 years or to age 65. The choice is yours. To Age 65 Plan: For total disability that begins prior to 60 - To Age 65 For total disability that begins on or after age 60 - 2 years. 5 Year Plan: For total disability that begins prior to 60 - 5 years. For total disability that begins on or after age 60 - 2 years. 2 Year Plan: For total disability that begins prior to 60 - 2years For total disability that begins on or after age 60 - 2 years Coverage ends at age 65. Benefits for Short Term Disability begin after you have been totally disabled for 30 days. Premium Calculators Short Term Disability 30 Day Waiting Period 1 Year Benefit Period {build calculator for this feature} Your Age Rate Per $100 of Monthly Benefit Amount *Premium for Ages 60 and higher are for renewal purposes only. Long Term Disability 2 Year Plan - Long Term Disability Rates per $100 of Monthly Benefit Amount {build calculator for this feature} *Premiums for Ages 60 and higher are for renewal purposes only. 5 Year Plan - Long Term Disability Rates per $100 of Monthly Benefit Amount {build calculator for this feature} *Premiums for Ages 60 and higher are for renewal purposes only. To Age 65 Plan - Long Term Disability Rates per $100 of Monthly Benefit Amount {build calculator for this feature} *Premiums for Ages 60 and higher are for renewal purpose only. The above rates are based on your attained age at the time you apply. These rates increase on the next premium due date following your attainment of ages 40, 45, 50, 55 and 60. The Hartford may change rates on a class basis. Apply now for disability coverage Most people wouldn't dream of leaving their home, cars, boat or other valuables uninsured, but few think to insure their loss of income. It's too late to do anything about it once you've become disabled. That's why it's so important to safeguard your income now - while you're healthy and active. Privacy Policy Legal Notice |
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Hagan Benefits, Inc. 1741 S. Cleveland Ave, Suite 200 P.O. Box 5090 Sioux Falls, SD 57117-5090 Email: info@hagangroup.com | Home | Company | Services | FAQs | Resources | Contact |