Eligibility

This is an employer-paid benefit. Active full-time employees, their spouses, and dependents are eligible as defined in the Health Care Assistance Policy.

Benefits

Each employee has:

• $100,000 of coverage for employee
• $50,000 for spouse
• $10,000 for each dependent child (under 26 years of age)
• $750 for stillborn child

Claim

Contact the human resources department to file a claim for this coverage.

Termination

Basic Group Life Insurance has a provision to convert your current coverage, or a lesser amount of the face value, to an individual policy without requiring Evidence of Insurability (EOI). To convert, you must submit a completed Life Conversion Information Request form to VOYA (ReliaStar Life) within 31 days of your retirement/term date. There is a minimum conversion amount of $10,000.

Contact your human resources department to obtain the required forms.

Contact

Contact the human resources department to file a claim for this coverage.

FAQ

Are life insurance benefits taxable to the beneficiary?

• No, life insurance benefits are not taxable, and we do not report life insurance benefits paid to U.S. citizens. However, interest paid on death benefits is taxable and is reported to the IRS.

Does the insurance company accept funeral home assignments?

• Yes, provided the funeral home assignment is submitted with the life insurance claim, it indicates the amount assigned and is signed by the named beneficiary.

How do I know if I am including the correct enrollment information?

• The initial and any subsequent enrollment forms/data for contributory coverage needs to be included with the claim submission. The enrollment data must include the amounts of coverage and effective dates. This documentation may be paper enrollment forms or a screen print from a Human Resource administrative system that shows when coverages were initially elected. Beneficiary documentation is also required for all death claims

How long will it take to process the life insurance claim?

• Our goal is to process the life insurance claim within 5 days from the date we receive all the completed proofs to pay the life insurance claim. Additional time needs to be allowed for the mailing of the payment.

Is a certified death certificate required?

• We require a certified death certificate for all claims if the death benefit is greater than $250,000. The certified death certificate is the official legal record of death and cannot be easily duplicated; therefore, is a deterrent to fraud. A photo copy of the death certificate is acceptable for claims that are $250,000 or less.

What are the requirements when a beneficiary is a minor?

• Life Insurance benefits cannot be paid directly to a minor beneficiary. How payment is made depends on the amount that is payable to a minor and in what state the minor resides. Some states allow benefits to be paid under the Uniform Transfers to Minors Act if the amount payable is less than a specified amount. The amount payable is state specific. If the amount payable is greater than allowed under the Uniform Transfers to Minors Act, the person having care and custody of the child will need to obtain Certified Letters of Guardianship for the Estate of the minor child. This is a court issued document and legal representation is usually required. If the court document is not obtained, at the request of the person having care and custody of the minor child, the life insurance benefits can be held with the insurance company until the child reaches the age of majority. To hold the life insurance, we require a written request from the person having care and custody of the minor.

What happens if the insured person is divorced at the time of death and the insured’s former spouse is named as the beneficiary?

• Allow the named beneficiary to file a claim. Any questions should be directed to our Life Claims Department.

What if the insured person has not named a beneficiary or the beneficiary has pre-deceased the insured person and there is no contingent beneficiary?

• In addition to the other required documents, under the Payment of Proceeds provision, the policy may provide that if there is no eligible beneficiary or if none was named, the insurer pays the life insurance in the following order: 1. Your spouse, 2. Your natural and adopted children, 3. Your parents, 4. Your estate. If the policy does not have this provision or a variation of it, the life insurance is payable to the estate of the insured. 

What is required if a trust is named as the beneficiary?

• In addition to the other required documents, the trustee of the Trust must complete the Trust Verification form. For more detailed information, please refer to the Trust Verification form available on our web site.

What is required if the estate is named as the beneficiary?

• In addition to the other required documents, some states allow benefits to be paid under a Small Estate Affidavit if the amount payable is less than a specified amount. This amount is state specific. If the amount payable is greater than allowed under the Small Estate Affidavit, we require a Certified Copy of the Letters of Administration for the Estate of the insured. This is a court issued document and legal representation may be required.

What is the VOYA personal transition account?

• The Voya Personal Transition Account acts like a checking account. If the amount of the lump sum payment is $5,000 or more, it may be paid by setting up an Account for the beneficiary. For more detailed information, please refer to the Voya Personal Transition Account Supplemental Contract available on our web site.

Why does the insurance company need enrollment information submitted with a death claim?

• Enrollment information is always needed if the insured person has any coverage that is contributory (in other words, the insured pays all or part of the premium). This usually includes any Supplemental, Optional or Voluntary Life coverage. The insurer needs to determine if proof of good health was required and approved at the time any contributory coverage was elected.

Why does the insurance company need the death certificate that includes manner and cause of death?

• Cause and manner of death are required to rule out that the death was not the result of a homicide. If the death is the result of a homicide we need to verify that the beneficiary did not cause the insured’s death. State laws prohibit the payment of life insurance to anyone that has caused the death of another person. Some policies also have suicide exclusions, so cause and manner of death is relevant for those claims as well.

Why is the employee’s date last worked required??

• Under most of our group life insurance plans, an employee must be actively at work to be considered eligible for life insurance. By providing the date last worked, the employer is certifying that the employee was last actively at work on that date. This applies to both employee and dependent claims.

Will the life insurance be paid if the cause of death is the result of a suicide?

• Please refer to the group certificate booklet. Many of our plans pay for any cause of death. However, some of our plans provide that if the death is the result of a suicide, benefits are not payable if the death occurs during the first or second year the insured or dependent is covered for life insurance.

The benefits described on this website are managed and/or provided by Adventist Risk Management,® Inc. These are the employer-provided and voluntary benefits available for employees of the Seventh-day Adventist® church based in the United States. Adventist Risk Management,® Inc. works with Adventist Church employers to provide these benefits for their employees.

Eligibility

The Long Term Disability (LTD) benefit per NAD Working Policy (Y 33 20) requires a minimum of 35 hours per week.

Benefits

After a 90-day elimination period income is replaced at 66.67 percent to a maximum of $6,000 per month. Refer to your Policy Booklet for specific elimination period and income replacement percentage.

File a Claim

Contact your human resources department to file claims for this coverage. 

How to Buy

This is an employer-paid benefit. Employees enrolled in Group Basic Life are also enrolled in Long-Term Disability Insurance.

Contact

Contact the Human Resources department for more information.

FAQ

Can I work part-time and still receive benefits?

• Our policies will allow employees to work part-time while on claim. Typically, an employee will need to have a certain percentage of their earnings lost to disability for a claim to remain active.

How do I know if I would qualify for LTD benefits?

• If you have been or will be absent from work due to an injury or sickness for more than a month, you should speak to your human resources department. They will be able to help you assess if you should proceed with filing a claim.

What is the LTD benefit?

• If approved for LTD, the policy will pay a portion of your pre-disability income for as long as you remain disabled or until you reach your normal retirement age.

Who is eligible for LTD?

• All North American Division full-time employees are eligible.

The benefits described on this website are managed and/or provided by Adventist Risk Management,® Inc. These are the employer-provided and voluntary benefits available for employees of the Seventh-day Adventist® church based in the United States. Adventist Risk Management,® Inc. works with Adventist Church employers to provide these benefits for their employees.

Voya Travel Assistance offers you enhanced security for your leisure and business trips. You and your dependents will have toll-free or collect-call access to the Voya Travel Assistance customer service center or access to the services provided on the website 24 hours a day, 365 days a year – from anywhere in the world. Voya Travel Assistance services are provided by Europ Assistance USA, Bethesda, MD.

Eligibility

This service is provided at no charge to employees, spouses, or dependents covered by Group Basic Life Insurance.

Benefits

When traveling more than 100 miles, VOYA Travel Assistance offers you and your dependents four types of services:

• Pre-Trip Information
• Emergency Personal Services
• Medical Assistance Services
• Emergency Transportation Services

The GardaWorld Travel Security Portal features information and tools to support travelers before and during their trips abroad. The site contains real-time destination-based health, security and travel-related information including:

• Country and city risk ratings and profiles
• Health, medical, safety, and security reports per locale
• Mitigation tips and consulate contacts
• Information on business conduct, transportation, holidays, currency exchange rates, etc.
• News and real-time security alerts
• General travel tips
• Medical Networks Advisor Search – Powered by Europ Assistance

How to Buy

This benefit is free for employees who are covered by Group Basic Life Insurance provided by your employer.

Contact

In the US, toll-free: 800.859.2821
Worldwide, collect: 202.296.8355
Email: ops@europassistance-usa.com
Visit Online: https://travelsecurity.garda.com
Contract Number: 17372020

Resources

Travel Assistance Information

Available to employees who are covered for group life insurance through their employer. Funeral Planning, Will Prep, and Concierge Services are provided by Everest Funeral Concierge.

Eligibility

Everest can be used to plan a funeral for an employee; a spouse or domestic partner; parents of an employee, spouse or domestic partner; or an employee’s dependents up to age 26.

Services
Pre-planning services

• 24/7 advisor assistance
  • To discuss funeral planning issues

• PriceFinderSM research reports
  • The only nationwide database of funeral home prices
  • Detailed, local funeral home price comparisons

• Online planning tools
  Includes:
  • Personal profile
  • “10 key decisions” planner
  • “My Wishes” planning guide
  • Reference guide
    Information stored and maintained in a secure data warehouse

• Online Will Prep
  • Online tool allows users to create customized legal documents such as a Will, Health Care Directive, Power of Attorney, and more
  • Users are asked a series of easy-to-answer questions with helpful explanations and examples
  • Based on responses, a customized legal document unique to the individual’s situation is created

At-need services

• At-need family support
  • Family assistance and plan implementation
  • Communicate the personal funeral plan to the funeral home, thus removing the family from a sales-focused environment
  • Provide 24-hour assistance throughout the funeral process
  • Expedited life insurance claim process. Eligible beneficiaries may have access to a portion of the life insurance funds in as little as two business days following receipt of the claim form.

• Negotiation assistance
  • Gather pricing information and present it to the family in an easy-to-read format
  • Negotiate funeral service pricing with local funeral homes
  • Help the family compare prices of caskets and other products

Enrollment

To create an online profile and use Everest’s planning tools, visit everestfuneral.com/voya
1. Enter your email address and your employer’s name
2. Create a password and complete your online profile
3. Access “Planning Tools”
If you do not have access to a computer, Everest advisors are available 24/7 by calling 1-800-913-8318.

Contact

Questions? Call 800-913-8318
Group Name: North American Division of SDA
Group Number: 67807-4

Your ComPsych® Guidance Resources® program offers someone to talk to and resources to consult whenever and wherever you need them.

Eligibility

The Employee Assistance Program (EAP) is provided at no charge to employees, spouses, or dependents covered by Group Basic Life Insurance.

Benefits

ComPsych® GuidanceResources® provides 24/7:

• Confidential Emotional Support
• Work-Life Solutions
• Legal Guidance
• Financial Resources
• Online Support

Enrollment

To register, go to www.guidanceresources.com, select “Register” and enter the following:

• Organization Web ID: MY5848i
• Company name (first 5 characters): The N
• Select your company dropdown: The North American Division of the Seventh-day Adv

Contact

Call: ComPsych at 877-533-2363
Online: www.guidanceresources.com

Resources

• Information on GuidanceResources® Program
• Login Information for GuidanceResources® Online
• Reasons to Call

Ministry Care Line, a service of the Kettering Counseling Care Center, offers church professionals and their immediate family members, confidential access to the spiritual and emotional support a qualified Christian phone consultant can provide.

Eligibility

The Employee Assistance Program (EAP) is provided at no charge to full-time employees, spouses, and dependents.

Benefits

• Provides anonymous support, and consultation when unique challenges and stressors emerge from Christian ministry.
• Provides referrals to local Christian mental health professionals in the phone center.
• Designed to function as a supplemental EAP to the EAP provided by the Group Basic Life Insurance – ComPsych® Guidance Resources®.

Enrollment

To register, go to www.ministrycare.org.

Booking

1. To book an appointment, go to www.ministrycare.org.

2. Click on the “BOOK YOUR APPOINTMENT” icon.

3. Once you are here, enter your best email and then the CODE:  aw1844

4. After that, follow the steps and book an appointment or get online right away with the professional on duty from.

Would you like to know more?  Here is a video showing how the new telehealth platform will work explained in less than 2 minutes:

Click here to see video

Contact
Call: 800-767-8837
Hours: Monday – Friday, 2-5pm & 7-10pm EST (excluding major holidays)
Online: www.ministrycare.org

Resources

About Ministry Care Line

The Allegheny West Conference (AWC) may assist employees with expenses in continuing education if the requirements below are met.  All requests should be submitted in writing for approval to the Human Resources Department.

1.  The instruction must apply directly to the employee’s job performance.
2.  The instruction must be given by a recognized, reputable institution of learning.

The AWC may pay the cost up to a maximum of $350 yearly, upon evidence of satisfactory completion of the course, based on receipts submitted.  Per diem for lunch expense is to be reported on the employee’s worker’s report.

The Allegheny West Conference (AWC) provides Worker’s Compensation insurance for all employees and volunteers. Worker’s Compensation insurance provides compensation for medical treatment related to a work-related injury or illness. For employees it also provides wage replacement in the amount of 66 2/3% of average weekly earnings for any wages lost while under the care of a physician for a work-related injury or illness.

Medical claims approved and paid by the Worker’s Compensation insurance need not be reported to the worker’s major medical insurance.

Any salary continuation payments issued by the Worker’s Compensation carrier for exempt (salaried) employees of the AWC should be returned to the AWC for any period during which the employee received full remuneration from the AWC.

In the event of a work-related injury or illness the worker should:

1. Obtain first aid and/or emergency medical treatment as needed.
2. Inform their immediate supervisor and/or the Human Resources Department as soon as reasonably possible.
3. The immediate supervisor and/or the injured worker will be responsible for submitting a completed First Report of an Injured Worker Form to the  Human Resources Department within one business day of being notified of the injury.
4. All injuries, no matter how insignificant it may seem, should be officially reported.

Time off due to a work-related injury or illness may be coordinated with the provisions of the Family and Medical Leave of Absence (FMLA) Policy.

To report an injury or illness, contact the Human Resources Department at hr@awconf.org or 614-252-5271 ext. 120 | 122.

Eligibility

This is an employee-paid benefit. You are eligible to purchase this coverage if you are an active employee within the North American Division working a minimum of 19 hours per week.

Benefits

You can purchase coverage from $10,000 up to $750,000 in increments of $10,000 as approved by Voya.

Enrollment

Supplemental Life can be purchased at any time by any employee who works a minimum of 19 hours per week.

If you are a new hire, you must elect and sign the enrollment form within 30 days of hire. You can elect up to $250,000 (Guaranteed Issue Amount) in increments of $10,000.  You are not required to complete an Evidence of Insurability (EOI). If Supplemental Life election is greater than $250,000, an EOI is required.

If electing outside of your 30-day new hire window period, you are required to complete an EOI for any amount elected.

The premium cost will be deducted from your payroll.

• Life Insurance Enrollment form
• Life Insurance Summary Plan Description
• EOI Instructions
• EOI Sample Form
• EOI Form

Claim

Contact the HR department to file a claim for this coverage

Termination

Non-Retiree: Supplemental life has a provision to port your current coverage, or a lesser amount of the face value, without requiring Evidence of Insurability (EOI). To port, you must submit a completed Term Life Continuation Request form to VOYA (ReliaStar Life) within 31 days of your termination date. The maximum portability amount is $500,000 with a minimum of $10,000.

Retiree: Supplemental life has a provision to port your current coverage, or a lesser amount of the face value, without requiring Evidence of Insurability (EOI).  To port, you must submit a completed Retiree Life Insurance Enrollment Form to Selman & Company within 31 days of your retirement date.  There is a maximum continuation amount of $250,000 with a minimum of $10,000.  Keep in mind that due to age reductions, benefit amounts reduce to 65% of the original coverage kept at age 70 and to 30% at age 75.  The premium will also reduce.

Contact your human resources department to obtain the required forms.

Contact

Contact your human resources department to file claims for this coverage.

FAQ

Can an employee with one North American Division institution purchase this insurance for a spouse working at another North American Division institution?

• Yes, as long as the spouse isn’t purchasing supplemental life insurance themselves. The rule of thumb is: you are either an employee or a spouse, not both.

If both parents are working for a North American Division entity, can both purchase Supplemental Life for their dependent children?

• No, only one parent can carry the children.

What happens with this insurance if an employee goes on Long-Term Disability (LTD)?

• There is a waiver of the premium provision in the LTD policy. When completing the LTD application, the supplemental life insurance in force for that employee should be noted in the appropriate section. VOYA will review and send a letter of approval or denial.

The benefits described on this website are managed and/or provided by Adventist Risk Management,® Inc. These are the employer-provided and voluntary benefits available for employees of the Seventh-day Adventist® church based in the United States. Adventist Risk Management,® Inc. works with Adventist Church employers to provide these benefits for their employees.

Eligibility

You are eligible to purchase this coverage if you are an Adventist Church organization employee within the North American Division working a minimum of 19 hours a week. Coverage may be elected at any time during eligibility.
Benefits

If eligible, you can purchase coverage in the following amounts as requested by you and approved by VOYA:
$10,000 to $500,000 for the employee
100% or less of the employee amount for spouse
$10,000 to $25,000 each for dependent children

Claim

Contact your human resources department to file claims for this coverage.

How to Buy

Eligible employees may buy this coverage through your employer. Payment is deducted from your payroll after taxes. Contact your human resources department to learn more.

Contact

Contact your human resources department to learn more about this product.
FAQ

· Can I get coverage if I have a health problem?

· Yes. There is no medical underwriting or medical exam required to purchase AD&D insurance.

· Do I need AD&D insurance?

· While you may have life insurance, AD&D insurance provides extra benefits such as loss of a limb or loss of sight. AD&D is a cost-effective way to cover expenses resulting from accidents.

· Do the rates increase over time?

· No. Unlike some life insurance plans, your rate will not increase just because you get older. However, rates are not guaranteed for the life of the plan. Rates can be increased by the carrier.