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FACTS

WHAT DOES benefit handbook life insurance DO WITH YOUR
PERSONAL INFORMATION?

Why?

Faculty Benefits Guide
Benefits. Guide. Effective January 1, 2011. UHR Benefits Office. 848-932-3990 . includes health insurance, pension programs, life insurance, and access to .
http://uhr.rutgers.edu/documents/FacultyBenefitsGuide.pdf

What?

YOUR BENEFIT HANDBOOK
Group Life Insurance Program . . This handbook provides general information about the provisions of the benefit . Please review this handbook carefully to .
http://etf.wi.gov/publications/et2119.pdf

  • Social Security number and income
  • Account balances and payment history
  • Credit history and credit scores

Retiree Supplemental Group Term Life Insurance Handbook 2012
meet your needs. This section of your Benefits Handbook outlines the major provisions of Deseret. Mutual's Supplemental Group Term Life insurance plan for .
http://www.dmba.com/nsc/handbooks/pdf/rsgtln.pdf

How?

Nashville.gov - Human Resources - Employee Benefits Handbook
Metro Employee Benefit Handbook ? January 1, 2012 ? Page 1. Metro Nashville. Employee. Benefit . Basic Life and AD&D Insurance..... 16. Supplemental Life.
http://www.nashville.gov/hr_benefits/docs/employee_benefits/Handbook.pdf

Reasons benefit handbook life insurance can share your personal information
Reasons we can share your personal information Does benefit handbook life insurance share? Can you limit this sharing?
For our everyday business purposes -
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
Yes No
For our marketing purposes -
to offer our products and services to you
Yes No
For joint marketing with other financial companies Yes No
For our affiliates' everyday business purposes -
information about your transactions and experiences
Yes No
For our affiliates' everyday business purposes -
information about your creditworthiness
Yes Yes
For our affiliates to market to you Yes Yes
For nonaffiliates to market to you Yes Yes

To limit our sharing

Insurance Benefits Handbook
Insurance Benefits HandbookCurrently selected · Employee . Complete 2011- 12 Insurance Benefits Handbook. Please note . Group Universal Life Insurance .
https://www.ocps.net/fs/risk/insurance/Pages/InsuranceBenefitsHandbook.aspx

Please note:

Benefits Certificates and Handbooks: Human Resources - University ...
Benefits Certificates and Handbooks. This section contains . Life Insurance. NCFlex Group Term Life Insurance · University Group Term Life Insurance ( MetLife) .
http://hr.unc.edu/benefits/books/index.htm

2006 Home Office Benefits Guide
Oct 10, 2011 . Schedule of Health Benefits… . 10/10/11. Employee Life Insurance . this Benefits Guide for examples of Life Event changes. To make a .
http://www.mutualofomaha.com/documents/careers/benefits_guide.pdf

Questions?

The Life Insurance Handbook: Louis S. Shuntich: 9781592800575 ...
Start reading The Life Insurance Handbook on your Kindle in under a minute. . and beneficiaries for maximum tax and legal benefits - and tips for avoiding traps .
http://www.amazon.com/Life-Insurance-Handbook-Louis-Shuntich/dp/1592800572

Who we are
Who we are
Who is providing this notice?

Benefits Handbook - State of Illinois
This Benefits Handbook is intended to assist State of Illinois . throughout this Handbook are defined in . information on life insurance coverage for Deferred .
http://www.state.il.us/cms/download/pdfs_benefits/handbook.pdf

What we do
What we do
How does benefit handbook life insurance protect my personal information?

Line-of-Duty Death Benefits Guide
key components: a handbook of benefits; a simple organizational kit; and one-on- one support from other . Contact the department's life insurance company .
http://benefits.firehero.org/SurvivorBenefitsGuide.pdf

UT BENEFITS HANDBOOK
hensive health insurance, financial protection through life and disability insurance, . Your UT Benefits Handbook for Employees has been designed to help you .
http://www.utsystem.edu/benefits/pubs/2011EmpHandbook.pdf

How does benefit handbook life insurance collect my personal information?

We collect your personal information, for example, when you:

  • apply for a loan or open an account
  • pay your bills or file an insurance claim
  • give us your contact information

BENEFITS HANDBOOK FOR RETIREES
ABOUT YOUR BENEFITS HANDBOOK . . STANDARD LIFE INSURANCE BENEFITS . . Receipt of this handbook is not a promise of benefits continuation.
http://www.usmc-mccs.org/employ/benefits/retireehandbook.cfm

Why can't I limit all sharing?

Federal law gives you the right to limit only

  • sharing for affiliates' everyday business purposes-
    information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you

Summary Plan Descriptions (SPDs)
Please note your new Benefits Handbooks for health & welfare benefits are your . Summary Plan Descriptions (SPD's) - Executive Life Insurance Handbook .
http://hr.conocophillips.com/EN/spds_us/Pages/index.aspx

What happens when I limit sharing for an account I hold jointly with someone else?

Benefits Handbook
Life Insurance and Accidental Death & Dismemberment. . Web Address: http:// www.wayne.edu/hr/tcw/ (Benefits Handbook and Forms available online). E-mail: .
http://wayne.edu/hr/tcw/health-welfare/benefits-handbook.pdf

Definitions
Definitions
Affiliates

Research Foundation Benefits Handbook
Work/Life Benefits . This Benefits Handbook replaces the January 2007 Benefits Handbook as well as all . First Reliance Standard Life Insurance Company .
http://www.stonybrook.edu/asaforms/HBFRM001/$File/HBFRM001.pdf

  • TRS Benefits Handbook
    The TRS Benefits Handbook is revised every two years. This edition . TRS death benefits are not life insurance payments and, as a result, they are subject to .
    http://www.trs.state.tx.us/benefits/documents/benefits_handbook.pdf

Nonaffiliates

BP Group Universal Life (GUL) Insurance Program - BP Benefit Finder
In addition to your company-provided basic life and accidental death and dismemberment coverage, BP's Group Universal Life (GUL) Insurance Program offers .
http://hr.bpglobal.com/LifeBenefits/Sites/Core/BP-Life-benefits/Employee-benefits-handbook/Group-Universal-Life-(GUL)-Insurance-Program.aspx

Joint marketing

Retiree Group Term Life Insurance Handbook 2012
And to help provide this security, Deseret Mutual offers several different life insurance plans to meet your needs. This section of your Benefits Handbook outlines .
http://www.dmba.com/nsc/handbooks/pdf/rbgtli.pdf

  • SGMC Benefit Handbook Revised
    handbook is a summary of those benefits to which you are entitled and the . Our Universal Life insurance policy provides a death benefit and builds fund value .
    http://www.sgmcbenefits.com/SGMC_Benefits/Home_files/SGMC%20Benefit%20Handbook%20Revised.pdf

Other important information

Benefit Handbook
Changes to the Benefit Handbook .................................................................................... ..................................1. Life Insurance Underwriter.
http://www.asebp.ab.ca/resources/publications/benefit_handbook_complete.pdf

FEGLI Handbook Chapter on Living Benefits
Living benefits are life insurance benefits paid to you while you are still living, rather than paid to a beneficiary or survivor when you die. (They are also known as .
http://www.opm.gov/insure/archive/life/handbook/lvgbene2.asp

2012 Employee Benefits Handbook - DAS-HRE - State of Iowa
handbook. 2012 State of Iowa. Employee Benefits Handbook. Source: Iowa Department . Life and Long Term Disability insurance information. • Link to .
http://benefits.iowa.gov/documents/2012_employee_benefits_handbook.pdf

COMPREHENSIVE NOTICE OF PRIVACY POLICY AND ...
Benefits Not Subject to the Medical Deductible . . Manual Claims Filing . . BASIC LIFE INSURANCE. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 87 .
http://www.alaska.edu/benefits/downloads/handbook.pdf

Benefits Guide / Employee Handbook
Retirement Benefits. 51. Life Insurance. Optional Life Insurance. MyVRS. CALENDAR. School Calendar. 52. EMPLOYEE HANDBOOK. Employee Handbook. 55 .
http://www.ntaclients.com/accuflexservices/Suffolk.pdf

Notice to customers with credit-related insurance products

Optional Life Insurance What types of life insurance coverage are ...
55. PUBLIC EMPLOYEES' BENEFIT BOARD. 2008 Benefits HandBook. Optional Life Insurance. Beyond the $5000 basic life insurance coverage provided .
http://www.oregon.gov/DAS/PEBB/docs/PDF/2008/Handbook/optionallife.pdf

What can your life insurance benefits do for you?
Unum's optional term life and optional universal life insurance can help. . You may obtain a copy of the handbook from your Agency's Benefits Coordinator.
http://www.tn.gov/finance/ins/pdf/life_opt.pdf

Servicemembers' and Veterans' Group Life Insurance Handbook ...
Only the insured member may apply for an Accelerated Benefit. No one else can apply on the .
http://www.insurance.va.gov/Sglisite/handbook/handbookch5.htm

Special notice for residents of California

Employee Benefits Handbook for Non-Represented Employees
This Handbook outlines benefits for permanent non-represented employees of . benefits include a pension, health insurance, life insurance, wage insurance, .
http://www.cityofmadison.com/HR/documents/EmplBenefitsNonRep.pdf

Special notice for residents of Vermont

Coordination of Benefits Handbook | Reduce Heath Plan Costs ...
The Coordination of Benefits Handbook is the ONLY up-to-date, . Helitzer went into practice after more than 35 years at Metropolitan Life Insurance Co., where .
http://www.thompson.com/public/offerpage.jsp?prod=COBS

Special notice for residents of Texas

Employee Benefits Summary - Fairfax County, Virginia
The handbook shows current rates for all benefit programs including health, dental and life insurance. (The pdf format requires that the Adobe Acrobat Reader .
http://www.fairfaxcounty.gov/hr/bensum.htm

FY2011 Health Benefits Booklet
GUIDE TO YOUR HEALTH BENEFITS. Did You Know? . Term liFe insUrance plan metlife . this guide is a summary of general benefits available to state of .
http://www.dbm.maryland.gov/benefits/Documents/PlanYear2011/FY2011HealthBenefitsGuide.pdf

benefit national mortgages† to access a printable version of the benefit handbook life insurance Privacy Notice

Revised: May, 2011

Online Privacy Practices

PERS - Division of Pensions and Benefits
Nov 18, 2011 . Also available are PERS handbook addenda for: Law Enforcement . USEFUL LINKS. Certificate of Group Life Insurance Adobe PDF (166K) .
http://www.state.nj.us/treasury/pensions/pers1.htm

Employee Benefits Handbook
Jun 1, 2011 . Medical Benefits | Health Reimbursement Arrangement (HRA) | Dental Benefits | Vision Benefits. Life Insurance | Disability Insurance | Flexible .
http://duluthga.net/files/departments/human-resources/duluth-handbook.pdf

Client Deliverables - Altruis Benefit Consulting
Individual & Family Health Insurance · Life Insurance . Preparation of customized employee benefit handbook – We will prepared a customized benefit .
http://www.altruisbenefit.com/employee-benefits/client-deliverables.html

Updated State of Illinois Benefits Handbook - Nessie Home ...
Dec 16, 2011 . CMS publishes an updated Benefits Handbook every five years, which details the State of Illinois health, dental, life insurance, and other .
https://nessie.uihr.uillinois.edu/cf/announce/index.cfm?action=NewsDetail&ID=157

AN EMPLOYEE'S GUIDE TO HEALTH BENEFITS UNDER COBRA ...
Life insurance is not considered “medical care,” nor are disability benefits; and COBRA does not cover plans that provide only life insurance or disability benefits .
http://www.dol.gov/ebsa/pdf/cobraemployee.pdf

Miami-Dade County Employee Benefits Highlights - Miami-Dade ...
The County offers employees a competitive benefits package. Within this site you will find information on medical, dental, vision, term life insurance, group legal, .
http://www.miamidade.gov/benefits/

Handbooks
This complete benefits handbook, written for veterans and their dependents, . life insurance, burial benefits, survivor benefits, women veterans, homeless .
http://www.azdvs.gov/benefits/handbooks.aspx

State of Illinois Benefits Handbook
Remember, you may have death benefits through various State-sponsored programs, each having a separate beneficiary form: • State of Illinois life insurance .
http://www2.illinois.gov/cms/employees/benefits/insurance/documents/2011_state_employee_benefits_handbook.pdf

Benefit Handbook 2011-2012
This Benefit Handbook is only a brief description of your insurance coverage under the . LIFE AND ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE .
http://www.fwps.org/dept/business/benefitbook1112.pdf

Military Handbooks
help for all active duty U.S. Military personnel; Healthcare Benefits . benefits of a military career, medical benefits and life insurance in the private sector, how to .
http://militaryhandbooks.com/

Last Revised: December, 2010

Group Term Life Insurance Handbook 2012
Benefits Handbook. 1. Group Term Life Insurance. Most of us plan to have some life insurance, yet it is something many of us postpone until we think we can .
http://www.dmba.com/nsc/handbooks/pdf/gtlab2.pdf

MCCS Employee Benefits
General Information · Benefits Handbook · Health/Dental Insurance · Documents & Forms; Wellness Calendar. Life Insurance · Rates, Handbook & Extras .
http://www.usmc-mccs.org/employ/benefits/

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Benefits Handbook | University of San Francisco Faculty Association
Benefits Handbook · Childcare Resources · Disability Insurance · Employee . and Dependent Life Insurance – Sun Life of Canada Insurance Company .
http://www.usffa.net/benefits/benefits-handbook