Long Term Disability  ( MetLife )

• Employer Paid or Voluntary (Employee Paid)
  • Monthly Benefit:  60% of Predisability earnings
  • Maximum Monthly Benefit:  $5,000
  • Benefit Duration:  Age 65/SSNRA (whichever is greater)
  • Elimination Period:  180 days
  • Own Occupation:  2 years

Term Life/AD&D  ( MetLife )

• Employer Paid:  optional amounts of $10,000, $25,000 and $50,000
  • Reduces by:  35% at age 65, 55% at age 70, 70% at age 75, 80% at age 80
  • Waiver of Premium
  • Conversion Option
  • Accelerated Benefit Option
• Employee Paid:  $10,000 increments to a maximum of the lesser of 5X salary or $500,000
  • Guaranteed Issue for up to 3X salary or up to $100,000, whichever is less
  • Waiver of Premium
  • Conversion and Portability Options
  • Accelerated Benefit Option
• Spouse Benefit: 
  • $5,000 increments to a maximum of $100,000, not to exceed 50% of employees' optional life benefit
  • Guaranteed Issue amount:  $25,000
• Child Benefit:
  • $10,000 flat amount

Voluntary Vision  ( Humana )

• $10 Exam copay ($39 with retinal imaging)
• $15 Materials copay
• $130 Retail frame allowance, with 20% off balance
• $130 allowance for conventional contact lenses, 15% off balance

Critical Illness MetLife

• Guaranteed Issue Amounts:  $15,000 & $30,000
• Pre-Existing Condition:  3 months prior excluded for 6 months.  Does not apply to heart attack or stroke
• Portable
• Covered Illnesses:  Alzheimer's, Coronary Artery Bypass, Cancer, Heart Attack, Kidney Failure, Major Organ Transplant, Stroke
• Limited Benefit on 22 other conditions
• 3X benefit
• Recurrence Benefit
  
• $50 Wellness Benefit
  

Accident  ( MetLife )

• Employees will have a choice of selecting coverage between two options:  high plan or low plan, on a guaranteed issue basis.  Benefits are based on a flat schedule amount that caries depending on the plan
  

Legal Service ( MetLaw - MetLife )

• Services provided by experienced and responsive network attorneys
• Telephone advice and office consultations
• No usage limits
• Payroll deducted
• Billing between MetLife and attorneys

Who is eligible to participate in IIAG's Agency Benefits Plan?

• The ABP is available to all member agencies.  Once a member agency makes the decision to enroll, all the full-time employees of that agency are eligible to participate.

Are there participation or contribution requirements from the employer?

• There are no minimum participation or contribution requirements by the employer. If you have two eligible employees (including owner/partners), a single employee is eligible to enroll.

What plans are available?

• Dental options (employer paid & voluntary, including a high/low option)
• Vision Option
• Employer Sponsored Long Term Disability
• Employer Sponsored Life
• Critical Illness
• Accident
• Legal

Who are the insurance carriers the IIAG has partnered with?

• Humana is administering the dental and vision programs, while Met Life is offering the long term disability, life, critical illness, accident and legal plans

Do I need to be a member of the IIAG to access these programs?

• Yes

If I have further questions, who do I contact?

•  Ashley Bryant (abryant@iiag.org)