FAQ

• Ambulance rides

• Emergency room visits

• Surgery and anesthesia

• Prescriptions

• Major Diagnostic Testing

• Burns

Group accident insurance pays cash benefits that you can use any way you see fit. Pay out amounts can be reviewed on the Accident Plan Summary.

Yes! This plan has a $100 per person benefit for one annual exam per year. (Annual physical, well-woman, well-child, etc). View the Wellness and Health Screening Claim Form HERE!

Aflac Group Critical Illness plan can help with the treatment costs of covered critical illnesses, such as a heart attack or stroke. More importantly, the plan helps you focus on recovery instead of the distraction of out-of-pocket costs. With the Critical Illness plan, you receive cash benefits directly (unless otherwise assigned) giving you the flexibility to help pay bills related to treatment or to help with everyday living expenses. But it doesn’t stop there. Having group critical illness insurance from Aflac means that you may have added financial resources to help with medical costs or ongoing living expenses.

Features:

• Benefits are paid directly to you, unless otherwise assigned

• Coverage is available for you, your spouse and dependent children

• Coverage may be continued (with certain requirements). This means you can take it with you if you

• change jobs or retire.

INITIAL DIAGNOSIS BENEFIT

We will pay a lump sum benefit upon initial diagnosis of a covered critical illness when such diagnoses is caused by or solely attributed to an underlying disease. Benefits will be based on the face amount in effect on the critical illness date of diagnosis.

ADDITIONAL DIAGNOSIS BENEFIT

We will pay benefits for each different critical illness after the first when the two dates of diagnoses are separated by at least 6 consecutive months.

REOCCURRENCE BENEFIT

We will pay benefits for the same critical illness after the first when the two dates of diagnoses are separated by at least 6 consecutive months.

Critical Illness insurance pays cash benefits that you can use any way you see fit. Pay out amounts can be reviewed on the Critical Illness Plan Summary

Find more information here.

Yes! This plan has a $100 per person benefit for one annual exam per year (annual physical, well-woman, etc.)

A pre-existing condition is any mental or physical condition, diagnosed or misdiagnosed, discovered or suspected at any time during the three-month period just before your employment with the district, enrollment for coverage or increase in coverage. This includes any condition for which you:

• Consulted a physician or other licensed medical professional

• Received medical treatment, services or advice

• Participated in diagnostic procedures, including self-administered procedures, or

• Took prescribed drugs or medications

If you are enrolled in the 14-day waiting period, coverage is subject to the terms and conditions of the Short-Term Disability plan.

If you are enrolled for a 90-day waiting period, you are not covered for any disability that is caused or contributed to by a pre-existing condition unless, on the date you become disabled, you have been continuously insured by the disability plan for 12 months. This applies to increases in coverage, as well.

Pre-existing Condition means a Sickness or accidental injury for which You:

• received medical treatment, consultation, care, or services;

• took prescribed medication or had medications prescribed; or

• had symptoms or conditions that would cause a reasonably prudent person to seek diagnosis, care or treatment;

• in the 3 months before your insurance under this certificate takes effect.

OneAmerica will not pay benefits for a Disability that results from a Pre-existing Condition if you have been Actively at Work for less than 12 consecutive months after the date Your Disability insurance takes effect under this certificate.

To file a disability claim, fill out OneAmerica disability claim form online. For assistance during this process, call 800-553-3522.

You can monitor the status of your claim on the OneAmerica website.

Disability benefits begin when your disability exceeds the waiting period you elected, either 14 days or 90 days. Benefits are coordinated with other earned-income benefits such as workers compensation. Benefits are not paid for the first 90 days for a work-related injury.

OneAmerica uses the following process to figure your payment:

1. Multiply your monthly earnings by 66-2/3%. Your monthly earnings are determined by your base salary in October of the year before or the date you become benefits eligible, if later. Base salary does not include overtime, car allowance or other supplemental pay.

2. Compare the answer from step 1 with the maximum monthly benefit ($1,154 for STD, $9,000 for LTD). The lesser of these two amounts is your gross disability payment.

3. Subtract any deductible sources of income from your gross disability payment, such as such as workers’ compensation, Teacher Retirement System, Social Security (if applicable) and any other wage continuation benefits.

Payments for short-term disabilities (the first 90 days) are weekly, and payments for long-term disabilities (after the first 90 days) are monthly.

Your benefits last until your doctor releases you to return to work, not to exceed age 65. If you file a claim for long term disability after age 60, your maximum period of payment is as follows:

Age 60 – 60 months

Age 61 – 48 months

Age 62 – 42 months

Age 63 – 36 months

Age 64 – 30 months

Age 65 – 24 months

Age 66 – 21 months

Age 67 – 18 months

Age 68 – 15 months

Age 69 and over – 12 months

Your Disability benefit payments will end on the earliest of:

• The end of the Maximum Benefit Period;

• The date benefits end as specified in the section entitled LIMITED DISABILITY BENEFITS;

• The date You are no longer Disabled;

• The date You die;

• The date You cease or refuse to participate in a Rehabilitation Program that We require and that is approved by Your Physician;

• The date You fail to have a medical exam requested by Us as described in the Physical Exams subsection of the GENERAL PROVISIONS section;

• The date You fail to provide required Proof of continuing Disability.

The Hartford will not pay for any Disability caused or contributed to by:

• War, whether declared or undeclared, or act of war, or participation in an insurrection, rebellion, riot or terrorist act;

• Intentionally self-inflicted injury;

• Attempted suicide; or

• Commission of or attempt to commit or taking part in a felony.

If your occupation requires a license, the fact that you lose your license for any reason will not, in itself, constitute Disability.

For additional information, refer to the Katy ISD Disability Plan Benefits STD / LTD.

Within 31 days of your spouse gaining benefits through their employer, contact Benefits Helpline to change coverage for you, your spouse and/or your dependents. You will need to know the date your spouse’s benefits become effective. Call 866-222-KISD (5473) between 8 a.m. and 5 p.m. weekdays, excluding holidays, or click the Enroll button on the home page Quick Links.

Drop coverage:

• Medical

• Dental

• Vision

Add, drop, increase or decrease coverage:

• Supplemental life and AD&D

• Spouse life

• Child life

• Disability

• Personal legal plan

Drop coverage for your spouse or dependents:

• Cancer care

Change contribution amount:

• Health care FSA

• Dependent day care FSA

You may need to submit evidence of insurability for some changes. Changes generally take effect on the first day of the month after the new benefits are effective.

Within 31 days of your spouse losing benefits through their employer, contact Benefits Helpline to change coverage for you, your spouse and/or your dependents. You will need to know the date your coverage is ending with your spouse’s employer. Call 866-222-KISD (5473) between 8 a.m. and 5 p.m. weekdays, excluding holidays, or click the Enroll button on the home page Quick Links.

Add coverage:

• Medical

• Dental

• Vision

Add, drop, increase or decrease coverage:

• Supplemental life and AD&D

• Spouse life

• Child life

• Disability

• Personal legal plan

Change contribution amount:

• Health care FSA

• Dependent day care FSA

You may need to submit dependent verification documents and/or evidence of insurability for some changes. Changes are effective the first day of the month after you notify Benefits Helpline.

If your spouse’s benefits enrollment period happens during a different time of the year than ours, you can change your Katy ISD benefits within 31 days of your spouse’s annual enrollment. Changes are effective the first day of the month after you notify benefits helpline call 866-222-KISD (5473) between 8 a.m. and 5 p.m. weekdays, excluding holidays, or click the Enroll button on the home page Quick Links.

When you leave the district, the date your benefits coverage ends depends on whether or not you finish your contract with Katy ISD.

• If you don't finish your contract, your benefits end on the last day of the month in which your employment ends.

• If you finish your contract and leave at the end of the school year, you’re allowed to keep your benefits through August 31. You can decide whether to be paid out early or keep receiving your checks through the summer. Complete the Employee Payoff and Benefit Election form included in your exit package to let us know which option your prefer.

• If you leave the district and return within 31 days, your benefits are automatically reinstated with no break in coverage. Premiums for the reinstated coverage are deducted from the first available paycheck.

• If you leave Katy ISD but return to work AFTER 31 days and you are still benefits-eligible, you must re-enroll to receive benefits.

You may be able to extend your health care coverage (medical, dental, vision and your health care FSA) for a limited time through COBRA, and some of your benefits may be portable or convertible. For more information about COBRA, Katy ISD Risk Management at 281-396-2241.

You can keep some of your benefits through portability or conversion after you’re no longer employed by Katy ISD or when one of your dependents becomes ineligible for benefits—even after COBRA expires.

Portability means you continue being covered under the plans offered by Katy ISD. To port your coverage, you have to apply to the insurance carrier. The carrier provides you with new rates for your policy, which may be higher than what you were paying as a Katy ISD employee. You pay your premiums directly to the carrier, and no evidence of insurability is required, though you still need to meet the group policy’s terms and conditions.

Conversion means you convert your Katy ISD plan to an individual policy. You pay your premiums directly to the carrier. Your new policy may or may not provide the same level of benefits as the group plan you were covered under, and you still need to meet the group policy’s terms and conditions to convert your benefits.

For most plans, the insurance carrier must receive your application and first premium payment within 31 days of the end of your group coverage. Contact your carrier for more information.

A note about Life Insurance

OneAmerica automatically sends information regarding conversion/portability of life insurance coverage once an employee terminates employment with Katy ISD.

The Consolidated Omnibus Budget Reconciliation Act (COBRA) allows you to continue your health care coverage (medical, dental, vision and health care FSA) after your employment with Katy ISD ends for any reason other than gross misconduct. Within 31 days of the end of your employment or loss of benefit eligibility, you’ll receive information on COBRA and an election form mailed to your home address. You must sign up for COBRA within 60 days of your last day of employment or the last day your dependent was eligible for benefits, or you and your dependents become ineligible for coverage.

COBRA coverage usually lasts 18 months and can be extended up to 29 months if you’re disabled, or up to 36 months if coverage ends due to the loss of dependent eligibility. You pay the full cost of COBRA coverage, plus an administrative fee. Below are the 2027 COBRA rates per month.

You can participate in Katy ISD’s benefits plans if you’re a regular employee, either active or on a paid leave approved by the district, and an active, contributing member of the Teacher Retirement System (TRS). You may also participate if you’re retired from TRS and have been rehired by the district into a position that makes you eligible for benefits. According to the Affordable Care Act guidelines, you are also eligible for benefits if you work for Katy ISD 30 hours or more per week. Please contact Benefits Helpline at 866-222-KISD (5473) if you feel you are eligible under these guidelines and have not been given the opportunity to enroll.

Eligible dependents can participate in some of the benefits, too. Eligible dependents include:

• Legal spouse (unless legally separated)

• Child* under age 26 for medical, dental and vision, life and personal legal coverage

• Unmarried child of any age, who is incapable of self-support because of mental disability or physical handicap if declared as such before age 26, provided the child was covered before the limiting age and is solely dependent on the employee for support and maintenance, and that proof of the incapacity and dependency is provided when first enrolled and verified when asked**

• Child who qualifies as your dependent under the terms of a qualified medical child support order (QMCSO)

*The term child can mean your natural or legally adopted child, stepchild, foster child, any other child for whom you are a legal guardian, or any grandchild whom you claimed as a dependent on your federal income tax return in the year you first covered him or her, and have continuously covered since.

**For more information about disabled dependent eligibility and status, contact Aetna customer service at 877-224-6857, available 8 a.m. to 6 p.m. Monday through Friday.

Employees and their dependents may lose or have their benefits eligibility suspended if they are found to have dependents on the plan who are not eligible.

Choose your benefits carefully because, in most cases, once the enrollment deadline passes you can’t change your options until the next annual enrollment period. In general, you can only change your benefits coverage during the year if you have a qualified life event. Any changes you make for yourself and your dependents at that time must be consistent with and on account of the event. For example, you can enroll your newborn in medical coverage, but you can’t drop coverage for your spouse or change medical options because of the birth of your child. More information is available here.

Call Benefits Helpline at 866-222-KISD (5473) and follow the prompts to speak to a Licensed Benefits Counselor, 8 a.m. to 5 p.m. CST, weekdays (except holidays).

Yes. Katy ISD Benefits Helpline has Spanish-speaking representatives.

• If you are a new employee or newly eligible and select benefits before the deadline, coverage begins the first of the month following your hire date (or the date you become benefits-eligible).

• For benefits selected during the annual enrollment period, coverage begins January 1 of the following year.

• For benefits requiring evidence of insurability, coverage begins the beginning of the month following carrier approval of your application.

• If you are adding benefits due to a life event, in most cases the benefits become effective the first day of the month following the notification.

Benefits coverage ends on the earliest of:

• The date the plan ends

• The last day of the month in which you are no longer eligible

• The date you stop paying for coverage

• The last day of the month after you notify the district of your selection to stop participation based on annual enrollment (coverage ends December 31 in this case) or a qualified life event or a family status change (if the family status change is reported with 31 days of the event)

• The last day of the month in which you stop working for the district

If you are a newly eligible employee and you don’t enroll, or you're an existing employe and you don't enroll during annual enrollment, you don’t have any Katy ISD benefits coverage except:

• $20,000 district-provided basic life and AD&D insurance for most employees

• Employee assistance program (EAP)

Due to federal regulations, employees who lose benefits eligibility (through a change in schedule, termination of employment or any other reason) and regain that eligibility within 31 days have benefits re-instated with no break in coverage. Premiums for the reinstated coverage are deducted from the first available paycheck. If you leave Katy ISD or lose your benefits eligibility and return to work after 31 days, you must re-enroll to receive benefits coverage.

The 24/7 Nurse Line provides health care decision counseling with the information and support you need to understand your medical care options and how to make the most of your coverage. Call 866-222-KISD (5473) and follow the prompts to talk one-on-one with an experienced registered nurse, 24 hours a day, 365 days a year. Specially trained nurses can help you understand your medical problem, evaluate self-care possibilities and plan questions for your doctor. They can also research options for care and send you easy-to-understand information tailored to your specific needs. This free service is available to all employees.

The health care providers may collect personal information about you, including your name, employee number, Social Security number, date of birth, health-related questions or concerns and participation status. This information is used only to provide confidential services to you and gather anonymous statistical data for Katy ISD. In other words, your basic statistics are combined with everyone else's and presented in reports only to show trends in health conditions and use of services. No individual names or other personal information are provided to Katy ISD. In addition, the health care plan providers don’t share personal information with any third party unless it’s necessary to:

Allow another health care provider to offer you additional assistance

Comply with applicable laws or valid legal processes

See the HIPAA Privacy Policy for more information.

The Hartford Group Hospital Indemnity plan provides financial assistance to enhance your current coverage. It may help avoid dipping into savings or

having to borrow to address out-of-pocket-expenses major medical insurance was never intended to cover. Like transportation and meals for family members, help with child care, or time away from work, for instance.

Once enrolled, the plan pays $1,200 (once per covered sickness or accident per calendar year for each insured) and $200 per confinement for each covered sickness or accident for each insured upto a maximum of 15 days. For example, if you have a high fever and go to the emergency room, the physician admits you into the hospital and you are released after two days, the plan would pay $1,600. The amount payable is generated based on the benefit amounts for First Day Hospital ($1,200) and Daily Hospital Confinement ($200 per day).

Hospital insurance pays cash benefits that you can use any way you see fit. Pay out amounts can be reviewed on the Hospital Plan Summary.

Health Screening Benefit is payable once per calendar year for health screening tests performed as the result of preventive care, including tests and diagnostic procedures ordered in connection with routine examinations. You contribute $100 per calendar year and this benefit is payable for each insured.

• You may purchase supplemental life insurance coverage in increments of $10,000 up to $300,000 without evidence of insurability (EOI) if you are newly eligible.

• EOI is a statement that verifies your general health.

• If you declined supplemental coverage when first eligible and enroll during a subsequent annual benefits enrollment, you must provide EOI for any election over $10,000.

• If you are newly benefits-eligible, you may purchase supplemental life insurance coverage in increments of $10,000 up to $300,000 without evidence of insurability (EOI).

• EOI is a statement that verifies your general health.

• If you declined supplemental coverage when first eligible and enroll during a subsequent annual benefits enrollment, you must provide EOI for any election over $10,000.

• During annual enrollment (if you are currently enrolled), you may increase your coverage to an amount equal to your annual frozen salary rounded down to the nearest $10,000, without providing evidence of insurability (EOI). Additional coverage may be added pending EOI approval.

• Current employees enrolling for the first time can enroll for $10,000 without providing evidence of insurability (EOI). Additional coverage may be added pending EOI approval.

You may also buy life insurance coverage for your spouse and your children.

If your spouse also works for Katy ISD, you can both have supplemental life coverage, but neither can enroll for spouse life coverage. A child may not be insured by more than one employee.​

You have the following coverage options for your spouse:

• $10,000

• $20,000

• $35,000

Your spouse life coverage must be less than or equal to 50% of your combined basic and supplemental coverage. For example, if your combined basic and supplemental life and AD&D coverage is $50,000, the most coverage your spouse can have is $20,000.

• Spouse not enrolled in Spouse Life may enroll in $10,000 without EOI. Anything higher will require EOI.

• Spouse currently enrolled in Spouse Life may increase their coverage by one option without EOI.

You have the following coverage options per child:

• $5,000

• $10,000

Yes, children over the age of 26 are not eligible. Eligibility is determined when a file is claimed, so it’s your responsibility to be sure your child(ren) meet the eligibility requirements when enrolling. There is no age limitation on spouse life insurance coverage, the rates are based on spouse age.

EOI verifies your general health for underwriting purposes and provides the insurance company with information to determine if you can enroll. If the provider requires EOI, you simply complete and submit your form through OneAmerica's company website or mail back the EOI form you received.

Coverage that requires EOI is effective the first of the month after the company approves your EOI. If you sign up during benefits enrollment, your coverage can’t start before the new plan year begins.

EOI provides the insurance company with information in order to be considered for certain types of insurance coverage.

You do not need to provide EOI to:

• Enroll in supplemental life coverage when first eligible up to the maximum amount of $300,000.

• Increase current coverage by 1x your annual frozen salary (in increments of $10,000) during benefits enrollment if previously enrolled.

• Elect $10,000 during annual enrollment if not previously enrolled.

You must provide EOI to:

• Enroll in greater than $10,000 if not previously enrolled.

• Increase current coverage by more than 1x your annual frozen salary during benefits enrollment.

• Increase spouse life coverage to more than the next level. You can only move one level up each annual enrollment.

If EOI is required, you are alerted during the enrollment process and OneAmerica sends an email to your Katy ISD email address with instructions on how to complete the EOI form. To finish the enrollment process, you must complete, sign and return the EOI form by the date specified. The form also contains instructions for completing the process online. New coverage becomes effective the first day of the month following the date when the required form and any additional information requested is approved by OneAmerica. If you sign up during benefits enrollment, your coverage cannot start before the new plan year begins.

Information about choosing a beneficiary is available here. You may designate a beneficiary online during enrollment or anytime during the year. You may also call benefits helpline at 866-222-KISD(5473) and speak to a customer service representative. Your beneficiary designation applies to both the district-provided basic life insurance and the supplemental life, if enrolled. You are automatically the beneficiary for the spouse life or child life, if enrolled.

No. But you should take time to learn about the medical coverage available to you through the Katy ISD medical plan options as well as any other source available to you, such as your spouse’s medical benefits plan. Compare and consider the cost of coverage for each option. This can help you decide which coverage works best for you and your family.

The Affordable Care Act, which has been in effect since March of 2010, requires most Americans to have health care coverage that meets minimum guidelines for affordability and value. Katy ISD plans meet those guidelines for value and affordability. Therefore, if you are eligible for Katy ISD health plans, it is likely you won't be eligible for any of the subsidies otherwise available in the Federal Heath Insurance Marketplace.

FAQ | KelseyCare Aetna Plan | Kelsey-Seybold Clinic

You receive two ID cards. Your Aetna ID card contains medical information. This card lists a unique ID number (not your SSN) for medical claims purposes. You also receive an Express Scripts ID card to use when purchasing prescription drugs. This card has a unique ID number as well.

To request additional or replacement cards, call Aetna at 877-224-6857 (8 a.m. to 6 p.m. Central Time, weekdays (except holidays) or Express Scripts at 855-712-0331.

Copay

— A copay is a set fee that you pay for certain services, such as prescription drugs. Copays also apply to doctor office visits and services performed during office visits under the Open Access option.

Coinsurance

— This is the percentage of expenses for covered services that you pay after you meet your deductible and until you reach your annual out-of-pocket maximum.

Non-emergency services and procedures are paid according to an established fee schedule (a set rate for a particular service). You are responsible for paying the difference between the covered amount and the amount the facility charges. Call Aetna before going out-of-network to help you understand the costs associated with your decision.

Just because your doctor is in-network, the facility in which you are treated or are referred to might not be in the network. Log on to Aetna Navigator and check DocFind to check the status of the treatment facility you want to use and call the provider to confirm.

A primary care physician (PCP) is a provider who provides most of your primary and preventive care, and who is available to refer you to specialists if necessary. While there’s no requirement to designate a PCP and you can change providers at any time, most people have a PCP overseeing their care. While obtaining a referral to see a specialist isn’t necessary, primary care physicians can be a valuable resource in identifying the type of specialist you need to see and providing a list of specialty providers who might work well for you.

Pre-certification is the process of obtaining Aetna’s approval before certain health care services or procedures are performed. Pre-certification is required for all in-patient admissions and a number of outpatient services, including high tech radiology procedures, such as MRIs and CT scans. For a full list of services or supplies that require pre-certification or pre-notification, log on to Aetna Navigator or call Aetna at 800-333-4432, weekdays between 8 a.m. and 6 p.m. Central Time. Failure to get pre-certification when required results in a penalty of 50% before the appropriate coinsurance is applied or, in the case of high tech radiology, the procedure is not covered.

Although your provider may contact Aetna for authorization on your behalf, you’re ultimately responsible for making sure Aetna’s approval is obtained or the care or service you receive may not be covered.

If you’re unable to obtain pre-certification due to an emergency, report the emergency to Aetna as soon as possible to comply with this requirement.

Usual, customary and reasonable (UCR) limits are based on prevailing costs of services or supplies for the geographic area in which the services or supplies are provided. In-network services are contracted and cannot exceed UCR limits. If you use an out-of-network facility for emergency care, the plan pays its percentage of coverage up to the UCR amount, not the facility’s actual charges. You’re responsible for paying the difference between the covered amount and the amount the facility charges.

It's important not to use hospital or standalone ERs for minor illnesses or injuries, even after hours, especially when you have the option of urgent care centers and walk-in retail clinics. Unnecessary trips to the ER cost everyone money.

The ER copay is $500 for the Memorial Hermann ACO or Kelsey-Seybold plan and $250 for the Choice POS II plan. So it pays to plan ahead. Find out now where clinics and other facilities are so you know where to go in case an illness or injury happens at an inconvenient time. If you need help making a decision, call the Aetna 24/7 Nurse Line.

Generally, no. Once you meet the out-of-pocket maximum amount, the plan pays 100% of all covered expenses you have for the rest of the year. This doesn’t include non-covered expenses such as amounts over the set reimbursement limits for emergency care.

You and your covered family members receive 100% coverage with no annual deductible for preventive care expenses.

Preventive care services help maintain health and prevent disease and include annual physicals, well-woman exams, prostate check ups, immunizations and more. If you’re not sure what’s considered preventive care, call Aetna customer service at 877-224-6857, available 8 a.m. to 6 p.m. Central Time, weekdays (except holidays).

Yes. If you have Katy ISD medical coverage as an active employee, that coverage is primary and Medicare is secondary. For more information, please contact Medicare.

Call Aetna at 877-224-6857 8 a.m. to 6 p.m. Central Time, weekdays (except holidays)

All medical plan options offer network care through Aetna. You may request printed directories by calling Aetna; however, the most up-to-date information about providers can be found by logging on to Aetna Navigator and checking DocFind or by contacting Aetna member services at 877-224-6857 8 a.m. to 6 p.m. Central Time, weekdays (except holidays).

Remember that directory information is for reference only. Always verify the provider's address, phone number, specialty and any other information before making an appointment.

No. Pregnancy isn’t considered a pre-existing limitation for purposes of the plan.

This coverage is portable, so you are able to continue this policy after you leave the District.

This coverage is available to be purchased by employees under the age of 71. The premium is based upon the employee’s age at the time the policy is issued. There are premiums for both tobacco users and non-tobacco users. The benefits reduce at age 70 or after 10 years of coverage, whichever is later.

The employee’s spouse may also be enrolled for a benefit of 50% of the employee’s benefit. The premiums for spouse coverage are based on the spouse’s age at the time the policy is issued.

A child can also be covered for up to $25,000.

You can still sign up for the plan if you are a tobacco user, but there are different premiums for tobacco users and non-tobacco users.

• Coverage for employees is guaranteed up to $150,000.

• The employee’s spouse may also be enrolled for a benefit up to lessor of $50,000 or 50% of employee benefit amount.

• A child can also be covered up to $25,000.

• The benefits reduce at age 70 or after 10 years of coverage, whichever is the longest.

During Open Enrollment, there are no medical questions to complete when applying for coverage.

The plan includes a unique Accelerated Benefit rider that gives you the option on how you are paid in the event of a permanent chronic condition or terminal illness.

• If you are diagnosed with a terminal illness, you can request a one time lump sum benefit of up to 50% of the life insurance benefit to be payable.

• If you are diagnosed with a chronic condition, you can choose a one-time lump sum benefit of up to 50% of the Life Insurance Benefit

• Or you can choose periodic payments in the amount of 4% of the Life Insurance Benefit (maximum of 25 payments). Each additional periodic payment must be separated by a period of 30 days or more. Any payment made under the Accelerated Benefit Rider will automatically reduce the Death Benefit payable under the certificate by the amount paid under the rider. If periodic payments have been made for a chronic condition and you later request a lump sum benefit for terminal illness, the amount payable will be less any amount paid previously under the rider.

• Once a lump sum benefit has been paid under the rider, no further benefits will be paid and rider coverage will end for the insured.

For questions about the Permanent Life Policy, call Aflac at 800-433-3036.