The Standard



Advertising DisclosuresContents TOC \o "1-3" \h \z \u Company PAGEREF _Toc482350666 \h 3Joint Company (SIC/SNY) PAGEREF _Toc482350667 \h 3Brochures/booklets, etc. PAGEREF _Toc482350668 \h 3Flyers PAGEREF _Toc482350669 \h 4Single Company Marketing Materials (SIC or SNY) PAGEREF _Toc482350670 \h 5Boilerplates PAGEREF _Toc482350671 \h 5SIC/SNY PAGEREF _Toc482350672 \h 5SIC – employers PAGEREF _Toc482350673 \h 5SIC - employees PAGEREF _Toc482350674 \h 6SNY – employers PAGEREF _Toc482350675 \h 6SNY – employees PAGEREF _Toc482350676 \h 7Products PAGEREF _Toc482350677 \h 7Primer Rules PAGEREF _Toc482350678 \h 7Accident Insurance PAGEREF _Toc482350679 \h 7Critical Illness Insurance PAGEREF _Toc482350680 \h 7Hospital Indemnity Insurance PAGEREF _Toc482350681 \h 8LTD PAGEREF _Toc482350682 \h 8Assisted Living Benefit Flyer PAGEREF _Toc482350683 \h 8Employer Income Protection Benefit PAGEREF _Toc482350684 \h 8LTD Own Specialty Protection for Attorneys Flyer PAGEREF _Toc482350685 \h 8LTD Own Specialty Protection for Physicians Flyer PAGEREF _Toc482350686 \h 9LTD Lifetime Security Benefit Overview Flyer PAGEREF _Toc482350687 \h 9STD PAGEREF _Toc482350688 \h 9Voluntary STD (Joint) PAGEREF _Toc482350689 \h 9STD Self-Funded Service Options PAGEREF _Toc482350690 \h 10Life PAGEREF _Toc482350691 \h 1024-Month Portability Employee Brochure PAGEREF _Toc482350692 \h 10Portability Provision PAGEREF _Toc482350693 \h 10Family Benefits Package PAGEREF _Toc482350694 \h 11Repatriation Benefit PAGEREF _Toc482350695 \h 11Taxation Consequences of Group Term Life Insurance PAGEREF _Toc482350696 \h 11Supplemental Life Insurance PAGEREF _Toc482350697 \h 12Expanded AD&D Package PAGEREF _Toc482350698 \h 12Canned Voluntary Life and AD&D PAGEREF _Toc482350699 \h 13Dental PAGEREF _Toc482350700 \h 13Max Builder PAGEREF _Toc482350701 \h 13Max Builder with In-Network Bonus PAGEREF _Toc482350702 \h 13Max Builder Flex PAGEREF _Toc482350703 \h 13LASIK PAGEREF _Toc482350704 \h 14PolicyLink Dental + Vision Plan PAGEREF _Toc482350705 \h 14Vision PAGEREF _Toc482350706 \h 14VSP PAGEREF _Toc482350707 \h 14Dual or triple choice PAGEREF _Toc482350708 \h 14Complete COBRA administration PAGEREF _Toc482350709 \h 14Services PAGEREF _Toc482350710 \h 14EAP PAGEREF _Toc482350711 \h 14In regard to dependents PAGEREF _Toc482350712 \h 15Travel Assistance PAGEREF _Toc482350713 \h 15In regard to emergency transportation services PAGEREF _Toc482350714 \h 15In regard to repatriation of remains PAGEREF _Toc482350715 \h 15On Travel Assistance booklets PAGEREF _Toc482350716 \h 15Health Advocate PAGEREF _Toc482350717 \h 16Absence Management PAGEREF _Toc482350718 \h 16Life Services Toolkit PAGEREF _Toc482350719 \h 16For materials that are not solely about the Life Services Toolkit PAGEREF _Toc482350720 \h 16For use on materials that are solely about the Life Services Toolkit PAGEREF _Toc482350721 \h 16In regard to services for Group Life insurance beneficiaries PAGEREF _Toc482350722 \h 16Social Media PAGEREF _Toc482350723 \h 17Statistics PAGEREF _Toc482350724 \h 17State-Specific PAGEREF _Toc482350725 \h 17New York PAGEREF _Toc482350726 \h 17Dental and/or Vision PAGEREF _Toc482350727 \h 17LTD and/or STD PAGEREF _Toc482350728 \h 17Accident PAGEREF _Toc482350729 \h 17Texas PAGEREF _Toc482350730 \h 17For non-insured services such as EAP, Travel Assistance, etc. PAGEREF _Toc482350731 \h 17California PAGEREF _Toc482350732 \h 17Invitations to Contract for LTD/STD PAGEREF _Toc482350733 \h 17LTD Additional Benefits for the Severely Disabled PAGEREF _Toc482350734 \h 18Capabilities PAGEREF _Toc482350735 \h 18Claims submission PAGEREF _Toc482350736 \h 18Sweepstakes PAGEREF _Toc482350737 \h 18Document Version PAGEREF _Toc482350738 \h 18CompanyJoint Company (SIC/SNY)Brochures/booklets, etc. Must have both company names on cover. First instance of using “The Standard” must have dagger footnote, as follows: ? The Standard is a marketing name for StanCorp Financial Group, Inc. and subsidiaries. Insurance products are offered by Standard Insurance Company of Portland, Oregon, in all states except New York, where insurance products are offered by The Standard Life Insurance Company of New York of White Plains, New York. [disclosure] Back cover must include the following disclosure:???????????????????????????? The Standard is a marketing name for StanCorp Financial Group, Inc. and subsidiaries. Insurance products are offered by Standard Insurance Company of 1100 SW Sixth Avenue, Portland, Oregon, in all states except New York, where insurance products are offered by The Standard Life Insurance Company of New York of 333 Westchester Avenue, West Building, Suite 300, White Plains, New York. Product features and availability vary by state and company, and are solely the responsibility of each subsidiary. Each company is solely responsible for its own financial condition. Standard Insurance Company is licensed to solicit insurance business in all states except New York. The Standard Life Insurance Company of New York is licensed to solicit insurance business in only the state of New York. [disclosure] Group Policy Numbers must be included on back cover:Group [Product] Insurance underwritten by Standard Insurance Company is provided under policy form numbers: [GP190-LTD/S399, GP190-LTD/TRUST/S399, GP399-LTD/TRUST, GP190-LTD/ASSOC/S399, GP491-LTD/TRUST/S399, GP899-LTD, GP209-LTD, GP608-LTD] [disclosure] Group [Product] Insurance underwritten by The Standard Life Insurance Company of New York is provided under policy form number: [GPNY0500-LTD] [disclosure] Flyers???????????? One-page flyers - Disclaimer with dagger mark after first instance of “The Standard”:??The Standard is a marketing name for StanCorp Financial Group, Inc. and subsidiaries. Insurance products are offered by Standard Insurance Company of 1100 SW Sixth Avenue of Portland, Oregon, in all states except New York, where insurance products are offered by The Standard Life Insurance Company of New York of 333 Westchester Avenue, West Building, Suite 300, White Plains, New York. Product features and availability vary by state and company, and are solely the responsibility of each subsidiary. Each company is solely responsible for its own financial condition. Standard Insurance Company is licensed to solicit insurance business in all states except New York. The Standard Life Insurance Company of New York is licensed to solicit insurance business in only the state of New York. [disclosure] Two-page flyers – Disclaimer with dagger mark after first instance of “The Standard,” as follows:Front page: Both company names must be included on front.? The Standard is a marketing name for StanCorp Financial Group, Inc. and subsidiaries. Insurance products are offered by Standard Insurance Company of Portland, Oregon, in all states except New York, where insurance products are offered by The Standard Life Insurance Company of New York of White Plains, New York. [disclosure] Back page:??The Standard is a marketing name for StanCorp Financial Group, Inc. and subsidiaries. Insurance products are offered by Standard Insurance Company of 1100 SW Sixth Avenue, Portland, Oregon, in all states except New York, where insurance products are offered by The Standard Life Insurance Company of New York of 333 Westchester Avenue, West Building, Suite 300, White Plains, New York. Product features and availability vary by state and company, and are solely the responsibility of each subsidiary. Each company is solely responsible for its own financial condition. Standard Insurance Company is licensed to solicit insurance business in all states except New York. The Standard Life Insurance Company of New York is licensed to solicit insurance business in only the state of New York. [disclosure] Single Company Marketing Materials (SIC or SNY)Entire legal company name (Standard Insurance Company or The Standard Life Insurance Company of New York) must be used in the first reference in body copy.For SIC only (include in ALL SIC-only pieces, regardless of whether or not “The Standard” is used in the body copy):The Standard is a marketing name for StanCorp Financial Group, Inc. and subsidiaries. Insurance products are offered by Standard Insurance Company of Portland, Oregon in all states except New York. Product features and availability vary by state and are solely the responsibility of Standard Insurance Company. [disclosure] For SNY only (include in ALL SNY-only pieces, regardless of whether or not “The Standard” is used in the body copy):The Standard is a marketing name for StanCorp Financial Group, Inc. and subsidiaries. Insurance products in New York are offered by, and the sole responsibility of, The Standard Life Insurance Company of New York of White Plains, New York. The Standard Life Insurance Company of New York is licensed to solicit insurance business in only the state of New York.?[disclosure] BoilerplatesSIC/SNY Standard Insurance Company’s first group policy, written in 1951 and still in force today, stands as a testament to our commitment to building long-term relationships. The Standard Life Insurance Company of New York founded in White Plains, New York in 2000 is the sister company of Standard Insurance Company founded in Portland, Oregon in 1906, a nationally recognized provider of group employee benefits.To learn more about [product] insurance from The Standard, contact your insurance advisor, call the Employee Benefits Sales and Service Office for your area at 800.633.8575 or visit us at . [disclosure] SIC – employersStandard Insurance CompanyFounded in Portland, Oregon in 1906, The Standard is a nationally recognized provider of group employee benefits and Individual Disability insurance. We provide insurance to more than 25,700 groups, covering approximately 6 million employees nationwide.* Our first group policy, written in 1951 and still in force today, stands as a testament to our commitment to building long-term relationships. We always strive to do what’s right – for our policyholders and their employees. This dedication has resulted in a national reputation for quality products, superior service and industry expertise.To learn more about [product] from The Standard, contact your insurance advisor or the Employee Benefits Sales and Service Office for your area at 800.633.8575 or visit us at .* As of December 31, 2016, based on internal data developed by Standard Insurance Company. [disclosure] SIC - employeesStandard Insurance CompanyFor more than 100 years we have been dedicated to our core purpose: to help people achieve financial well-being and peace of mind. We have earned a national reputation for quality products and superior service by always striving to do what is right for our customers.Headquartered in Portland, Oregon, The Standard is a nationally recognized provider of group employee benefits and Individual Disability insurance. We provide insurance to more than 25,700 groups, covering approximately 6 million employees nationwide.* Our first group policy, written in 1951 and still in force today, stands as a testament to our commitment to building long-term relationships.To learn more about [product] from The Standard, contact your human resources department or visit us at .* As of December 31, 2016, based on internal data developed by Standard Insurance Company. [disclosure] SNY – employersThe Standard Life Insurance Company of New YorkEmployers across the state of New York trust The Standard Life Insurance Company of New York to insure their employees and administer their employee benefits plans. Headquartered in White Plains, The Standard offers a quality portfolio of differentiated group employee benefits to serve the needs of the New York market. The Standard delivers value in employee benefits through well-designed products and the promise of exceptional service.To learn more about [product] from The Standard, contact the Employee Benefits Sales and Service office for your area today at 800.633.8575 or visit us at . [disclosure] SNY – employeesThe Standard Life Insurance Company of New YorkHere at The Standard, we’ve worked hard to earn our reputation for quality products, superior service and dedication to our customers. We are committed to our core purpose: to help people achieve financial well-being and peace of mind. From our headquarters in White Plains, we offer a range of group employee benefits to serve the needs of employees across the state of New York.To learn more about [product] from The Standard, contact your human resources department or visit us at . [disclosure] ProductsPrimer RulesRule 19 in Legal Primer – Invitations to Inquire and Invitations to ContractThis policy has exclusions, limitations, reduction of benefits, and terms under which the policy may be continued in force or terminated. Please contact The Standard [your employer] for additional information, including costs and complete details of coverage. [disclosure] In an invitation to inquire where we are laying out the various plan options with benefit amounts listed (regardless of the product) add in the following sentence (highlighted in blue).? This policy has exclusions, limitations and terms under which the policy may be continued in force or terminated.? The amount of benefits provided depends on the policy selected.? Premium will vary according to the selection made.? Please contact The Standard for additional information, including costs and complete details of coverage. [disclosure] Accident InsuranceThis is a limited benefit policy. [disclosure] Critical Illness InsuranceThis is a limited benefit policy. [disclosure] Hospital Indemnity InsuranceThis is a limited benefit policy. [disclosure] In regard to hospital admission and/or CCU admissionThe inclusion of a hospital admission and/or CCU admission benefits in a Hospital Indemnity plan may not be compatible with an HAS. Consult your own tax advisor for advice. [disclosure] LTD Assisted Living Benefit FlyerNot all plans are available in all states. The proposed policy would provide group disability income insurance only. It does not provide basic hospital, basic medical or major medical insurance as defined by the New York State Insurance Department. This policy has exclusions, limitations, reductions of benefits and terms under which the policy may be continued in force or discontinued. [disclosure] [example copy] When employers opt for this enhancement, the benefit is available for employees to whom LTD benefits are payable, whose condition is expected to last 90 days or more and who are experiencing the following limitations associated with their severe disability: The employee is unable to safely and completely perform two or more Activities of Daily Living* without assistance, or ….* The six Activities of Daily Living are bathing, continence, dressing, eating, toileting and transferring. [disclosure] Employer Income Protection BenefitEligible businesses include, but are not limited to, small professional firms, partnerships andS corporations. Coverage requiring evidence of insurability is not effective until evidence is approved. [disclosure] LTD Own Specialty Protection for Attorneys FlyerNot all plans are available in all states. The proposed policy would provide group disability income insurance only. It does not provide basic hospital, basic medical or major medical insurance as defined by the New York State Insurance Department. This policy has exclusions, limitations, reductions of benefits and terms under which the policy may be continued in force or discontinued. [disclosure] [example copy] The Standard may consider a particular legal subject matter area or type of legal practice* to be an attorney’s occupation if at least 85 percent of the attorney’s gross professional service fee income was earned in that legal subject matter area or type of legal practice in the 24 months immediately before becoming disabled.* Trial attorney or trial practice will not be considered one of the specialty legal subject matter areas or types of legal practice, unless the attorney personally appears and actively participates in legal proceedings on behalf of clients, at least four hours per day on an average of at least 50 days per year during the 24 months just before disability begins. Time the attorney spends preparing to actively participate in legal proceedings can be included when calculating up to one-half of the hours-per-day and days-per-year requirement. Legal proceedings include civil or criminal trials, administrative rule making or contested case hearings, workers’ compensation hearings, arbitration and mediation hearings, and the taking or defending of depositions. [disclosure] LTD Own Specialty Protection for Physicians FlyerNot all plans are available in all states. The proposed policy would provide group disability income insurance only. It does not provide basic hospital, basic medical or major medical insurance as defined by the New York State Insurance Department. This policy has exclusions, limitations, reductions of benefits and terms under which the policy may be continued in force or discontinued. [disclosure] LTD Lifetime Security Benefit Overview Flyer[example copy] The Lifetime Security Benefit from The Standard? provides ongoing income to severely disabled claimants** Not all plans are available in all states. A claimant must be unable to safely and completely perform two or more Activities of Daily Living without Hands-on Assistance or Standby Assistance due to loss of functional capacity as a result of physical disease or injury. For contracts sitused in California, claimants must be confined in a nursing home or resident care facility for 30 days or more, or require substantial supervision, due to severe cognitive impairment. [disclosure] Disclosures may be needed for Housing Assistance Benefit, Dependent Education Benefit, Pension Contribution Benefit, Automatic Maximum Benefit Increase, Family Care Expenses Adjustment. Please consult with the Product SME and Legal to determine appropriate disclosures.STDVoluntary STD (Joint)This policy provides disability income insurance only. It does not provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. [disclosure] STD Self-Funded Service Options [example copy] We offer three solutions that can reduce the workload for your HR team and help you increase productivity.**Available to customers with 250 or more employees insured for LTD. [disclosure][example copy] Telephonic Intake*: Telephonic claim submission services are handled by The Standard, resulting in more effective and faster customer service *The minimum group size for telephonic claim submission is 500 covered employees. [disclosure] Life24-Month Portability Employee Brochure[example copy] If you’re eligible, the provision offers a convenient option for continuing Group Life insurance for up to 24-months following termination of employment.* *Coverage under this provision terminates at the end of the 24 month continuation period, if you become insured under another group life insurance plan, if your former employer’s Group Life insurance plan with The Standard terminates or if you fail to pay premiums, whichever occurs first. [disclosure] [example copy] You may continue Group Life insurance for yourself on the date your employment terminates if you:are not terminating employment in order to retire,have been insured under your employer’s group policy for at least 12 consecutive months on the date your employment terminates, andare able to perform with reasonable continuity the material duties of at least one gainful occupation for which you are reasonably fitted by education, training and experience.**Does not apply to Massachusetts group insurance plans. [disclosure] Portability ProvisionDoes not apply to Massachusetts group insurance plans. [disclosure] [example copy] True Portability and Conversion*The Group Life Portability Insurance Policy contains the complete terms of coverage, including limitations, exclusions, reductions and conditions under which Group Life Portability Insurance ends. The policy terms for Group Life Portability Insurance are different from those provided under your employer's group insurance plan with The Standard. [disclosure] [example copy] The portable group insurance coverage offers group term Life, Accidental Death and Dismemberment (AD&D) for members and their dependents, as well as Dependents Life insurance.*Please consult your policy for availability, terms and conditions in your state. [disclosure][example copy] The deadline for an insured employee to apply and pay premium for portability is 31 days after employment termination. *Provided that these coverages are available under employer’s Group Life policy with The Standard, and were elected by the insured employees. [disclosure][example copy] You may continue Group Life insurance for yourself on the date your employment terminates if you:be under 65,have been insured under your employer’s group policy for at least 12 consecutive months on the date your employment terminates, andare able to perform with reasonable continuity the material duties of at least one gainful occupation for which you are reasonably fitted by education, training and experience.This period varies by policy. [disclosure]Family Benefits PackageThe Family Benefits Package is not available in all states. [disclosure] Repatriation Benefit[example copy] If an insured employee’s death occurs while traveling more than 200 miles from the employee’s residence, The Standard helps cover the expenses incurred when transporting the remains back home.**The Repatriation Benefit is not available in Maryland. [disclosure] Taxation Consequences of Group Term Life InsuranceThis document is for informational purposes only and is not intended and should not be viewed as tax or legal advice. Standard Insurance Company and The Standard Life Insurance Company of New York assume no liability with respect to the general tax or other legal information provided herein. This information is intended to provide only general and not comprehensive information. Specific questions about the tax or legal implications of your life insurance plan should be referred to your qualified tax counsel or tax advisor. [disclosure] [example copy] It can be challenging for benefits administrators to understand and calculate employees' taxable income for group term life insurance* coverage.*If your plan is small (under 10 insured lives), check with your tax or legal professionals to determine if it qualifies as group-term life insurance. [disclosure] [example copy] Of particular note is the issue of "straddling," which occurs when some employees in the plan pay more while others pay less than the coverage rates listed in Table I of the Section 79 regulations.**TABLE I. Uniform Premiums For $1,000 Of Group-Term Life Insurance Protection, Department of the Treasury, Internal Revenue Service, 26 CFR Part 1, pub/irs-regs/td8821.pdf (accessed Feb. 25, 2014). [disclosure] [example copy] The amount of imputed income- the taxable amount an employee will be responsible for is based on a calculation incorporating Table I rates.**For key employees under a discriminatory plan, imputed income is the greater of actual cost (which is not necessarily premium) and the Table I cost of the plan. Seek guidance on determining actual cost. [disclosure] Supplemental Life Insurance [example copy] What Exclusions Apply To This Coverage? …If death results from suicide or other intentionally self-inflicted injury, while sane or insane*, the amount payable will exclude the amount of Supplemental Life insurance which has not been continuously in effect for at least two years on the date of death.*For New Jersey residents, “insane” is not applicable. [disclosure] [example copy] If My Supplemental Life Insurance Ends Or Reduces, May I Convert To An Individual Policy? … If the reason you are losing your Supplemental Life insurance is due to the termination or amendment of the Group Life policy, you may be able to convert a limited amount of your Supplemental Life Insurance provided it has been in effect for a minimum number of years.**The limited amount and minimum number of years is determined by your group life policy. [disclosure] Expanded AD&D Package [example copy] Percent Of AD&D Insurance Benefit* (in effect on date of accident)*No more than 100 percent of the AD&D insurance will be paid for all losses resulting from one accident. [disclosure] [example copy] Disappearance - Presumed loss of life if the employee’s disappearance is caused solely and directly by an accident reasonably resulting in death**The disappearance must occur independently of all other causes and continue for a period of 365 days after the date of the accident despite reasonable search efforts. [disclosure] [example copy] Thumb & Index Finger Loss - Actual and permanent severance from the body of the thumb and index finger on the same hand at, or above, the metacarpophalangeal joints.**This is not covered if an AD&D benefit is payable for the loss of the entire hand. [disclosure] Canned Voluntary Life and AD&D[example copy] Group Accidental Death and Dismemberment (AD&D) insurance coverage, included with Group Voluntary Life insurance from Standard Insurance Company, provides a benefit if you or your insured spouse* have an accident that results in a covered loss of life, limb or eyesight.*Spouse may include a civil union partner. Eligibility not available in all states. Contact your Standard Insurance Company sales representative for details. [disclosure] [example copy] Coverage Exclusions And Limitations … AD&D insurance benefits are not payable for losses caused, or contributed to, by: Suicide or other intentionally self-inflicted injury, while sane or insane* *For Colorado and Missouri residents, “insane” is not applicable. [disclosure] [example copy] AD&D insurance cannot be continued under waiver of premium or continuation of insurance (also called portability).**Not applicable in all states. [disclosure] DentalMax BuilderThe Max Builder option is only available when the policy is first issued or upon renewal and is not available with Standard Select Dental. [disclosure] Not available with all Group Dental plans. [disclosure]Max Builder with In-Network BonusThe In-Network Bonus is only available to insured members whose group dental insurance plan includes Max Builder. To earn the In-Network Bonus, insured employees must also qualify for a Max Builder benefit maximum increase. [disclosure] Max Builder FlexRequires enrollment in a Group Balanced Care VisionSM plan from The Standard and the number of insured individuals must match the Dental plan. [disclosure]LASIKNot available with all Group Dental plans. [disclosure]PolicyLink Dental + Vision Plan The Dental portion of this plan must have Type 1, 2 or 3 coverage without limitation (internal max) on Type 3 procedures. Enrollment in the plan requires enrolling in both products. This product is not available with Standard Select or in the state of Washington. [disclosure] VisionVSPVSP is a registered trademark of Vision Service Plan. [disclosure]Dual or triple choiceOnly available for groups with 20 – 1,000 lives. [disclosure] Complete COBRA administrationOnly available for groups with 20 or more lives. [disclosure] ServicesFor all services, please note there are disclosures for product-specific materials that mention a service and service-specific materials. Please consult with the Product SME with questions.EAPThe EAP service is provided through an arrangement with BDA Morneau Shepell which is not affiliated with The Standard. BDA Morneau Shepell is solely responsible for providing and administering the included service. EAP is not an insurance product and is provided to groups of 10 – 2,499 lives. This service is only available while insured under The Standard’s group policy. [disclosure] In regard to dependentsChildren under the age of 12 will not receive individual face-to-face counseling sessions. [disclosure] Travel AssistanceTravel Assistance is provided through an arrangement with UnitedHealthcare Global, which is not affiliated with The Standard, and is subject to the terms and conditions, including exclusions and limitations, of the Emergency Travel Assistance Program Employee Description. UnitedHealthcare Global is solely responsible for providing and administering the included service. Travel Assistance is not an insurance product, except in Oregon. UnitedHealthcare Global is the marketing name for FrontierMEDEX, Inc. This service is only available while insured under The Standard’s group policy. [disclosure] In regard to emergency transportation servicesNot available to Oregon residents. [disclosure] In regard to repatriation of remainsMust be arranged by UnitedHealthcare Global. Related medical services, medical supplies and a medical escort are covered where applicable and necessary. [disclosure] On Travel Assistance bookletsThis booklet is for your information only and is not a contract. [disclosure] The Travel Assistance program is available to employees who participate in their employer’s group insurance plan with The Standard. The program is subject to the terms and conditions, including exclusions and limitations, of the Emergency Travel Assistance Program Employee Description issued to participating policyholders by UnitedHealthcare Global, which is not affiliated in any way with The Standard. Travel Assistance is not an insurance product, except in Oregon. UnitedHealthcare Global is the marketing name for FrontierMEDEX, Inc. [disclosure] All services must be arranged by UnitedHealthcare Global. No claims for reimbursement will be accepted.Because of problems of distance, time and communications, UnitedHealthcare Global cannot be responsible for the availability or results of any medical, legal or transportation services. The traveler is responsible for obtaining all services not directly provided by UnitedHealthcare Global, and is responsible for the expenses associated with all services except those pertaining to repatriation and medically necessary emergency evacuations as provided by UnitedHealthcare Global. [disclosure] Health AdvocateHealth Advocacy services are provided through an arrangement with Health AdvocateTM, a leading health assistance and support company. Health Advocate is not affiliated with The Standard or with any insurance or third-party provider. Health Advocate does not replace health insurance coverage, provide medical care or recommend treatment. The Health Advocacy service is not an insurance product. [disclosure] Absence ManagementN/ALife Services Toolkit[sample copy] Life insurance beneficiaries* can access services for 12 months after the date of death.*The Life Services Toolkit is not available to Life insurance beneficiaries who are minors or to non-individual entities such as trusts, estates or charities. [disclosure] For materials that are not solely about the Life Services ToolkitLife Services Toolkit is offered through an arrangement with a service provider that is not affiliated with The Standard. This service is not an insurance product. [disclosure] For use on materials that are solely about the Life Services ToolkitLife Services Toolkit is provided through an arrangement with Bensinger, DuPont & Associates(BDA) and is not affi liated with The Standard. BDA is solely responsible for providing andadministering the included service. This service is not an insurance product. [disclosure] In regard to services for Group Life insurance beneficiariesThe Life Services Toolkit is also available to recipients of an Accelerated Benefit. It is not available to Life insurance beneficiaries who are minors or to non-individual entities such as trusts, estates or charities. [disclosure] Social MediaStatistics When used on the graphics linking to underlying flyer/advertising materials:As standard practice, any citations are noted only on the webpage and/or PDF we link to from social media posts (including any footnote/superscript number). This was an agreement made with Alycia Bleeker. State-SpecificNew YorkDental and/or Vision This policy provides [DENTAL and/or VISION] insurance only. [disclosure] LTD and/or STDThis policy provides disability income insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. [disclosure] AccidentThis policy is a limited benefit policy that provides accident insurance only. It does not provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. Important notice – this policy does not provide coverage for sickness. [disclosure] TexasFor non-insured services such as EAP, Travel Assistance, etc.[EAP service] is provided through an arrangement with [BDA], which is not affiliated with The Standard. [EAP] is not an insurance product. [disclosure] CaliforniaInvitations to Contract for LTD/STDMust include an illustration (calculation example) of deductible income provisions using two common items of deductible income and including predisability earnings and benefit percentage. It is not sufficient to state the amount of the maximum benefit without showing, in a dollar amount example, how the maximum benefit may be reduced as provided for in the policy, including common reductions. A disclaimer should be added to the discussion to be clear that actual benefit amounts will vary by the applicable policy terms. LTD Additional Benefits for the Severely Disabled [example copy] These additional benefits are available to an eligible employee who is receiving LTD benefits and is suffering from a condition that meets one of the following requirements and is expected to last 90 days or more: The employee has been confined to a nursing home or residential care facility for 30 days,* …. *Actual period of time may be shorter or longer depending on plan design [disclosure] CapabilitiesClaims submissionNot available for Dental and Vision insurance. [disclosure] SweepstakesPrize drawing subject to complete Official Rules; view at erasethelabels. Void where prohibited. No purchase necessary. Product purchase will not improve odds of winning. Open to residents of fifty (50) United States and the District of Columbia who are 18 years of age or older. Ends 6/8/16. [disclosure] Document VersionDate:Change(s)12/15/16Original version2/14/2017Added Social Media – Statistics information (JJY)5/18/2017Changed boilerplate info. to most recent co. information (MM) ................
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