Stetson University offers you additional life insurance through UNUM Provident up to 5 times your salary in addition to basic life insurance. Optional life insurance may be elected as a new hire or during open enrollment each year.

Supplemental insurance is additional insurance purchased to cover charges not paid by a primary payer. There are many Supplemental Plans available and coverage varies greatly between the various plans. It’s very important a patient understand what their supplement will pay as even with two or more plans you may be responsible for a portion of the bill.

You must be able to work, be available for work, and be actively seeking work each week you claim benefits.

Lubrizol offers this insurance through MetLife. Coverage is available for you, your spouse and children at group rates. If you choose to participate, your payments will be deducted automatically from each pay period on an after tax basis.

You can buy up to 8 times your annual basic pay. If you buy more than 1 times your annual basic pay, you will be required to provide evidence of insurability (EOI). During annual enrollment you can increase your coverage by 1 times your annual pay without EOI (up to 3 times your pay). Any increase over 3 times your pay requires EOI.

There are some patients who would benefit from a CPAP treatment for sleep-disordered breathing but do not meet the Medicare or private insurer coverage criteria. For example, some patients have very frequent arousals because of increased breathing effort but do not have oxygen desaturations. These patients will have a high respiratory disturbance index (RDI), but they may have a low number of apneas and hypopneas. Their Apnea/Hypopnea Index (AHI) will be low.

Supplemental disability insurance may be applied for at anytime. However, the coverage is only guaranteed to be approved if applied for within 30 days of the employee's original hire date. If an application is completed after the initial 30 days of employment, the application will be subject to medical underwriting.

Supplemental benefits are available through Colonial Life, UNUM, and John Hancock. They include short-term disability, long-term disability, long-term care, and dependent care spending account.

There are two opportunities to enroll in supplemental life insurance; within 90 days of hire or at any open enrollment. You can enroll during the Trust enrollment (the next enrollment will be spring 2008). If you are eligible and would like this coverage, please complete the supplemental life application and mail it to Prudential.

No. The supplement is a part of the testing process and not used in the screening portion to determine if a candidates meets the minimum qualifications. The application must be filled out as completely as possible with all relevant experience and education identified.

If you continue to self-pay continuously as a Vested Beyond COBRA participant, and once you are eligible for benefits under Medicare, you will be entitled to Medicare Supplemental coverage at that time. The Fund will coordinate your benefits with Medicare. Your primary level of benefits is Medicare and the Fund will be secondary which results in a lower premium. No. The $100 only applies to those participants that qualify for coverage through covered employment. No.

Companies selling long-term care insurance underwrite their coverage. That means they look at your current health status and health history and issue a policy only if you meet the guidelines established by the company. Some companies ask only a few questions about your health. Others may ask for more detail, examine your current medical records or ask for a health statement from your doctor. Answer all questions as truthfully and thoroughly as possible.

Supplemental is an assessment of improvements that have been on the property for more than a year but not included in the last assessment. The supplemental assessment is the difference of what was assessed and what should have been assessed.

Because every insurance policy is unique, it's important that you thoroughly understand your Certificate of Coverage to know exactly what is and isn't covered through your plan. Back to Top

If you have a Medigap policy with drug coverage, you will get a detailed notice from your insurance company telling you whether or not your policy covers as much or more than a Medicare prescription drug plan.This notice will explain your rights and choices.

Medicare supplemental insurance, sometimes referred to as Medigap, is an individual insurance policy that pays costs not covered by Medicare, which could include deductibles and co-payments. Many insurance companies, such as Anthem Blue Cross and Blue Shield, offer these types of policies.

No. Your rate is based on your "insurance" age as of the first of the Plan year. To determine your "insurance" age, take the Plan year (2007), then subtract your birth year. The result is your "insurance" age for all of 2007.

No, we do not sell supplemental automobile insurance because every collision damage waiver (CDW) or loss damage waiver (LDW) we have ever encountered excludes exotic vehicles in the fine print. The standard car rental loss and damage insurance included with Visa and MasterCard cards excludes exotic rental automobiles.