Benefits are payable as long as you are disabled up to the time you become eligible for Social Security retirement benefits. You cannot opt out of the LTD program. Adept Advantage offers a number of options from which to choose. If you choose higher levels of coverage, you pay for the additional coverage based on your age at group rates. You and each family member may receive 5 free sessions per calendar year.
Additional visits are available at negotiated fees.
These sessions may be covered under the medical plan, depending upon the type of service. Without the tax bite, your account grows more quickly. Mix and match them to suit your investment personality. You may change your investment allocation at anytime by accessing your account through the Fidelity website. The company match is automatically vested.