2024 Counselor Training

Accident Insurance can help you cover the extra costs that can occur when you, your spouse or your children suffer a covered injury on or off-the-job. Enroll without answering medical questions.

Benefits are payable for such things as:

• Fractures and dislocations
• Hospitalizations and doctor visits
• Visits to the emergency room
• Physical therapy

Plan Features:

• $Dollar Amount (Varies by Client & Carrier) Wellness Benefit for completing a covered Wellness Test (one per covered employee and one per covered spouse, per year)
• No health questions to answer
• Guaranteed renewable
• Lump-sum benefit
• Family coverage options

CAP is a cancer program that addresses the full cancer journey: before, during, and after.

Before - Genetic Cancer Risk Screening:

• Genetic Cancer Risk Screening - simple cheek swab test to see if you have inherited genes that are known to increase the risk of cancer
• Genetic Counseling - will answer questions and provide recommended action steps empowering individuals to take control of their health
• Drug Response Testing - indicates how (and if) you will respond to a particular medication, and if you will have adverse drug reactions or side effects

Including education, information and guidelines on healthy living, exercise, support groups and more

During - Precision Cancer Management and Cash When You Need it Most:

• Oncology Nurse Advocate - you will be paired with an experienced nurse who will be there for you every step of the way
• Genetic Tumor Testing - helps identify the mutations that are causing the cancer to identify a personalized treatment and targeted therapy
• Expert Medical Review - provides actionable insights in a Precision Treatment Report that your oncologist can use to prescribe the most effective treatment
• Clinical Trial Identification - your dedicated Nurse Advocate completes a comprehensive clinical trial search and enrollment

Diagnosis and Recovery Payments = $15,000*
1st Payment	$5,000 upon diagnosis
2nd Payment	$5,000 6 months after diagnosis
3rd Payment	$5,000 12 months after diagnosis

After - Recovery and Recurrence Monitoring:

• Genetic blood tests with the sensitivity to confirm continued remission, and if not, to catch and treat cancer early— before it shows up on a scan
• In case of cancer recurrence, the recurrence benefit will be paid at 50% of the original amount
• Including education, information and guidelines on healthy living, exercise, support groups and more

*50% benefit payment for Spouse/Domestic Partner

This Critical Illness policy through Transamerica provides you with a lump sum cash benefit in the event you or a covered loved one is diagnosed with a covered condition such as cancer, heart attack, or stroke. Plus, the plan includes a $Dollar Amount (Varies by Client & Carrier) Health Screening Benefit for completing a covered Health Screening Test, paid once per insured, per calendar year.

During this enrollment only, newly eligible employees can elect coverage without answering medical questions!

• Employee: up to $30,000
• Spouse: up to 50% of employee's benefit amount
• Child(ren): up to 50% of employee's benefit amount

An unexpected hospital stay can put a strain on your budget. Transamerica's Hospital Indemnity Insurance provides money you can use to help cover the costs you might not anticipate. Helping you handle expensive hospital bills lets you focus more on recovering and less on how much the next test is going to cost. Plus, the plan includes a $Dollar Amount (Varies by Client & Carrier) Wellness Indemnity Benefit for completing a covered Health Screening Test, paid once per calendar year. Enroll without answering medical questions.

• You’ll receive a lump sum payment to use as you see fit
• Pays on top of what your medical insurance covers
• Coverage for hospital admissions and confinement

Flexible Spending Accounts (FSA) provide you with an important tax advantage that can help you pay for health care and dependent care expenses on a pre-tax basis. By estimating your family’s health care costs for the next year, you can lower your taxable income and save money.

Health Care FSA 
This program allows you to pay for certain IRS-approved medical care expenses not covered by your medical plan with pre-tax dollars. Some examples of eligible expenses include:

• Copays and coinsurance
• Hearing services, including hearing aids and batteries
• Vision services, including contact lenses, contact lens solution, eye exams and eyeglasses
• Dental services and orthodontia
• Chiropractic services

The Health Care FSA annual contribution limit is $3,200 for 2024. Funds remaining at the end of the year, up to $640, may be rolled over for use in the next year. Claims for 2024 must be submitted by September 30, 2024.

Dependent Care FSA 
You may contribute up to $5,000 per plan year to pay for qualified eligible dependent care. If both spouses participate in an account the maximum still remains at $5,000 per plan year.

Whole life insurance is a type of permanent life insurance, which means the insured person is covered for the duration of their life as long as premiums are paid on time. Permanent life insurance is different than term life insurance, which covers the insured person for a set amount of time (usually between 10 and 30 years).

Whole life insurance is the most common type of permanent life insurance policy that people purchase, according to the Insurance Information Institute (III).

Like most permanent life insurance policies, whole life also offers a savings component called "cash value."

Short-Term Disability (STD) provides a weekly benefit for expenses incurred if you cannot work several weeks due to an illness or injury. Your doctor must certify that you are unable to return to work on a full-time or partial basis. Disabilities caused by an occupational injury or illness are not covered. 

This coverage pays you a benefit of up to 60% of your weekly earnings, not to exceed $1,400 per week. The plan begins paying these benefits on the first day due to an off-the-job injury and the eighth day due to a sickness and will pay you a weekly benefit for up to 26 weeks.

You contribute 100% of the cost of this coverage. Your monthly rate: $0.51/$1,000.

Life Insurance with Long Term Care (LTC) includes living benefits that provide financial support to cover the cost of long-term care such as nursing home care or assisted living facilities that you might need as a result of an accident, illness, or aging. Like life insurance, the program also protects your family with money that can be used any way they choose like your mortgage or rent, education for children, retirement, and final expenses. 

Long-Term Disability (LTD) provides a monthly benefit in the event that you become disabled and are unable to work. Long-Term Disability provides replacement income to give you financial security.

This coverage pays you a benefit of up to 60% of your monthly earnings, not to exceed $6,000 per month. The plan begins paying these benefits after you have been unable to work for 180 consecutive days.

You contribute 100% of the cost of this coverage. Your monthly rate: $0.61/$100.

When employees are able to protect their finances and loved ones, they can worry less and focus on what’s important. That’s why Transamerica offers the voluntary benefits they need to work toward building a wealthier, healthier future.

In the event of an emergency or the unimaginable, Transamerica’s TransElite universal life insurance can help families with financial support to maintain their quality of life. A death benefit helps safeguard a family’s
future after the insured is gone. Plus, the cash value can be borrowed against if there is an emergency in the insured’s lifetime. 

OFFER MORE PROTECTION WITH TRANSELITE®
TransElite universal life insurance is a voluntary benefit that gives you one more valuable option for your benefits package.

TRANSELITE HIGHLIGHTS

• No physicals or blood work
• Accumulates cash value
• Guaranteed 3% interest rate
• Loan and withdrawal options
• Convenient payroll deduction

Pre-existing conditions refer to any medical conditions or illnesses that an individual has been diagnosed with or has received treatment for before obtaining a new health insurance policy. These conditions can include chronic illnesses, injuries, mental health issues, or other health problems. Examples of pre-existing conditions include diabetes, heart disease, cancer, asthma, and depression.

Insurance companies have historically used pre-existing conditions as a factor in determining coverage, premiums, and eligibility for new policies. However, many countries have regulations and laws that restrict or prohibit the denial of coverage or the imposition of higher premiums based on pre-existing conditions. For instance, the Affordable Care Act (ACA) in the United States prohibits health insurance companies from denying coverage or charging higher premiums due to pre-existing conditions.

Permanent life insurance to help provide lifelong protection.

Universal life insurance is similar to other kinds of permanent life insurance (like whole life). It’s designed to last a lifetime (so your price will never increase due to age), it builds cash value and it pays your beneficiaries when you die. There are also some important differences, though:

• Universal life is flexible, because you can adjust your premium payments within a certain range and still keep your policy in force.

• Missing a single payment won’t automatically cancel your policy.

• Trustmark Universal Life also offers benefits that you can receive while you’re still living.

If you’re being offered Universal LifeEvents®, your policy adjusts to your changing needs. For the same price as standard Universal Life, you get a higher death benefit during your working years, when your expenses and responsibilities are highest. When you turn 70 (and expenses are likely to be much less), the death benefit reduces to 1/3 of your original amount. The amount available for long-term care remains the same, as you are most likely to need it in older age.1

Life insurance can be an important part of every family’s financial picture, and your plans may be suited to several different types of life insurance as your needs change. Permanent life insurance like Trustmark Universal Life gives you a solid base to build on. Since you own your policy, you can keep it for life, even if you change jobs or retire. And if you need extra protection (for example, while you have a mortgage to pay on a home), term life insurance can help you close the gap.

Guaranteed issue is a term used in the context of health insurance that refers to policies which must be offered to any eligible applicant without regard to health status, age, gender, or other factors. This means that an insurance company cannot deny coverage to individuals who apply for insurance, regardless of any pre-existing conditions they may have.

Key features of guaranteed issue include:

1. No Medical Underwriting: Insurance companies cannot require medical exams or health history questionnaires to determine eligibility.
2. Coverage for All: All applicants within the eligible group or category must be accepted.
3. Standardized Premiums: While premiums may vary based on factors like age or location, they cannot vary based on health status or pre-existing conditions.