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

What is an Association Health Plan (AHP)?

• Association Health Plans, under the U.S. Department of Labor's rule, are group health plans that employer groups and associations offer to provide health coverage for employees.  AHP's allow small employers and individuals to band together to purchase the types of coverage that are available to large employers, which can be less expensive and better tailored to their needs.

When can I obtain a quote and enroll for the Association Health Plan?

• Quoting and the open enrollment period is now available for a January 1, 2023 issue date.

How do you obtain a quote?

• You contact either Patrick Bell (404-949-1098) or Kira Ohlendorf (404-949-1083) at Sterling Seacrest Pritchard.

Who is eligible to participate in the AHP?

• The AHP 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?

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

Will I be required to answer medical questions?

• Medical questions will not be required for any of the plans including the medical.

Do the medical plans cover pre-existing conditions?

•  Yes. The medical plans meet the Healthcare Reform Law guidelines for large groups, including essential benefits.

Who are the insurance carriers the IIAG has partnered with?

• Humana is administering the medical, 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?

•  Sterling Seacrest Pritchard is the Plan Administrator.  You can reach out to Patrick Bell (404-949-1098) or Kira Ohlendorf (404-949-1083).