If employee does not enroll within 31 days of hire date or maintain a qualifying level of coverage, medical evidence of good health must be provided to enroll or increase coverage. Employee pays premium. Employee pays premium. Choice of 90 or 180 day waiting period. LONG TERM CARE Optional.
Employee pays premium.
Helps pay expenses of prolonged disabling condition. Employee pays minimal cost of administrative fee. Employee pays premium. Defined Benefit Plan. Full benefits at age 65 or 28 years service.