{"id":284,"date":"2017-08-18T16:48:08","date_gmt":"2017-08-18T16:48:08","guid":{"rendered":"https:\/\/www.deltastate.edu\/humanresources\/?page_id=284"},"modified":"2026-04-09T17:41:41","modified_gmt":"2026-04-09T17:41:41","slug":"optional-insurances","status":"publish","type":"page","link":"https:\/\/www.deltastate.edu\/human-resources\/employee-benefits\/optional-insurances\/","title":{"rendered":"Optional Insurances"},"content":{"rendered":"[vc_row type=&#8221;in_container&#8221; full_screen_row_position=&#8221;middle&#8221; column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; scene_position=&#8221;center&#8221; text_color=&#8221;dark&#8221; text_align=&#8221;left&#8221; row_border_radius=&#8221;none&#8221; row_border_radius_applies=&#8221;bg&#8221; overlay_strength=&#8221;0.3&#8243; gradient_direction=&#8221;left_to_right&#8221; shape_divider_position=&#8221;bottom&#8221; 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} <\/style><div data-midnight=\"nectar-slider\" class=\"parallax_slider_outer \"><div  data-transition=\"slide\" data-overall_style=\"classic\" data-flexible-height=\"true\" data-animate-in-effect=\"none\" data-fullscreen=\"false\" data-button-sizing=\"regular\" data-button-styling=\"btn_with_count\" data-autorotate=\"\" data-parallax=\"true\" data-parallax-disable-mobile=\"\" data-caption-trans=\"fade_in_from_bottom\" data-parallax-style=\"bg_only\" data-bg-animation=\"none\" data-full-width=\"true\" class=\"nectar-slider-wrap \" id=\"nectar-slider-instance-1\"><div class=\"swiper-container\"  data-tho=\"auto\" data-tco=\"auto\" data-pho=\"auto\" data-pco=\"auto\" data-loop=\"false\" data-height=\"420\" data-min-height=\"250\" data-arrows=\"false\" data-bullets=\"false\" data-bullet_style=\"see_through\" data-bullet_position=\"bottom\" data-desktop-swipe=\"false\" data-settings=\"\"> <div class=\"swiper-wrapper\"><div class=\"swiper-slide\" data-desktop-content-width=\"\" data-tablet-content-width=\"\" data-bg-alignment=\"top\" data-color-scheme=\"light\" data-x-pos=\"left\" data-y-pos=\"bottom\" ><div class=\"slide-bg-wrap\"><div class=\"image-bg\" style=\"background-image: url(https:\/\/www.deltastate.edu\/humanresources\/wp-content\/uploads\/sites\/57\/2017\/05\/3.22.17-campus-beauty-union-umbrellas.jpg);\"> &nbsp; <\/div><\/div><div class=\"container\">\r\n\t\t\t\t\t\t<div class=\"content\"><p class=\"transparent-bg\" ><span>Human Resources<\/span><\/p><\/div>\r\n\t\t\t\t\t\t\t\t<\/div><!--\/container--><div class=\"video-texture \"> <span class=\"ie-fix\"><\/span> <\/div><\/div> <!--\/swiper-slide--><\/div><div class=\"nectar-slider-loading \"> <span class=\"loading-icon none\">   <\/span> <\/div> <\/div> \r\n\t\t\t\t\t\r\n\t\t\t\t\t<\/div><\/div>[\/vc_column][\/vc_row][vc_row type=&#8221;in_container&#8221; full_screen_row_position=&#8221;middle&#8221; column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; scene_position=&#8221;center&#8221; text_color=&#8221;dark&#8221; text_align=&#8221;left&#8221; row_border_radius=&#8221;none&#8221; row_border_radius_applies=&#8221;bg&#8221; overlay_strength=&#8221;0.3&#8243; gradient_direction=&#8221;left_to_right&#8221; shape_divider_position=&#8221;bottom&#8221; bg_image_animation=&#8221;none&#8221;][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_spacing=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text css=&#8221;.vc_custom_1503068148914{padding-bottom: 20px !important;}&#8221;]\n<h1>Optional Insurances<\/h1>\n[\/vc_column_text][tabbed_section style=&#8221;default&#8221; alignment=&#8221;left&#8221; spacing=&#8221;default&#8221; tab_color=&#8221;Accent-Color&#8221;][tab icon_family=&#8221;none&#8221; title=&#8221;Delta Dental&#8221; tab_id=&#8221;1775756399363-6&#8243; id=&#8221;1775756399362-0&#8243;][vc_column_text]\n<h1 align=\"center\">Dental<\/h1>\n<hr \/>\n[\/vc_column_text][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_spacing=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/2&#8243; tablet_width_inherit=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text]\n<p align=\"center\">Group Administration<br \/>\n<a href=\"https:\/\/www1.deltadentalins.com\/\" target=\"\" rel=\"noopener\"><strong>Delta Dental<\/strong><br \/>\n<\/a>1130 Sanctuary Parkway, Suite 600<br \/>\nAlpharetta, GA\u00a0 30009<br \/>\n1-800-521-2651<\/p>\n[\/vc_column_text][\/vc_column_inner][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_spacing=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/2&#8243; tablet_width_inherit=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text]\n<p style=\"text-align: center;\">Claims:<br \/>\nGroup Claim Office<br \/>\nP.O. Box 1809<br \/>\nAlpharetta, GA\u00a0 30023-1809<\/p>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][divider line_type=&#8221;No Line&#8221; custom_height=&#8221;20&#8243;][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_spacing=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/2&#8243; tablet_width_inherit=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][image_with_animation image_url=&#8221;352&#8243; animation=&#8221;None&#8221; hover_animation=&#8221;none&#8221; alignment=&#8221;&#8221; border_radius=&#8221;none&#8221; box_shadow=&#8221;none&#8221; image_loading=&#8221;default&#8221; max_width=&#8221;100%&#8221; max_width_mobile=&#8221;default&#8221;][\/vc_column_inner][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_spacing=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/2&#8243; tablet_width_inherit=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text]An optional dental insurance plan is available for those who desire coverage. Dental insurance is at the top of the list of the benefits most requested by employees.\u00a0Delta Dental\u00a0is designed to provide a sound dental benefit that meets your needs today and for years to come. Employees who elect the coverage will pay the full premium by payroll deduction, and they may insure a spouse and dependent children from age\u00a0birth to 19 years of age or less than 23 years of age and a full-time student.<\/p>\n<p>There are no networks and the employee and their insured dependents can choose any dentist. Benefits are structured to include Preventive, Basic, Major, and Orthodontics dental Services. Dental premiums qualify for pre-tax treatment under Section 125 of the Internal Revenue Code. There are two types of dental plans.<\/p>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_column_text]<strong><u>Low Plan:<\/u><\/strong><\/p>\n<ul>\n<li><u>Type I Dental Services:<\/u>\u00a0Benefits include routine oral examinations, bitewing x-rays, dental cleanings, sealants and fluoride are covered under diagnostic and preventive fluoride \u2013 under age 19.\u00a0Sealants on first permanent molars through age 8 and second permanent molars through age 15 if without cavities or restorations on occlusal. Benefits are payable at 100% of the allowable charges.<\/li>\n<li><u>Type II Dental Services:<\/u>\u00a0 Benefits include full mouth\/panoramic x-rays, periapical x-rays, restorative amalgams, restorative composites, denture repair, and simple extractions. Benefits are payable at 80% of the allowable charges.<\/li>\n<\/ul>\n<p>A $50 deductible applies to Type II dental services only. The benefit maximum per person, per policy year is $1,500.<\/p>\n<p><strong><u>High Plan:<\/u><\/strong><\/p>\n<ul>\n<li><u>Type I Dental Services:<\/u>\u00a0Benefits include routine oral examinations, bitewing x-rays, dental cleanings, sealants and fluoride are covered under diagnostic and preventive fluoride \u2013 under age 19.\u00a0Sealants on first permanent molars through age 8 and second permanent molars through age 15 if without cavities or restorations on occlusal. Benefits are payable at 100% of the allowable charges.<\/li>\n<li><u>Type II Dental Services:<\/u>\u00a0 Benefits include full mouth\/panoramic x-rays, periapical x-rays, restorative amalgams, restorative composites, denture repair, and simple extractions. Benefits are payable at 80% of the allowable charges.<\/li>\n<li><u>Type III Dental Services:<\/u>\u00a0Benefits include inlays, onlays, crowns, crown repair, endodontics (nonsurgical), endodontics (surgical),\u00a0periodontics (nonsurgical), periodontics (surgical), prosthodontics (fixed bridge, removable complete\/partial denture), complex extractions, and anesthesia. Benefits are payable at 50% of the allowable charges.<\/li>\n<li><u>Type IV Orthodontic Dental Services:<\/u>\u00a0Payable at 50% and the lifetime orthodontia maximum is $1,000. Orthodontics is available only to children under age 19. Benefits include limited, interceptive, and comprehensive orthodontic treatment. There is a 12-month waiting period.<\/li>\n<\/ul>\n<p>A $50 deductible applies to Type II and Type II dental services only. The benefit maximum per person, per policy year is $1,500.<\/p>\n<p><strong>Effective Sept 1, 2020:<\/strong><\/p>\n<table border=\"1\" width=\"100%\" cellspacing=\"1\" cellpadding=\"1\">\n<tbody>\n<tr>\n<td bgcolor=\"#006600\"><\/td>\n<td bgcolor=\"#006600\">\n<p align=\"center\"><span style=\"color: #ffffff;\"><strong>Low Plan Rates<\/strong><\/span><\/p>\n<\/td>\n<td bgcolor=\"#006600\">\n<p align=\"center\"><span style=\"color: #ffffff;\"><strong>High Plan Rates<\/strong><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>Employee<\/td>\n<td>\n<p align=\"center\">$22.82<\/p>\n<\/td>\n<td>\n<p align=\"center\">$39.21<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>Employee + Spouse<\/td>\n<td>\n<p align=\"center\">$46.63<\/p>\n<\/td>\n<td>\n<p align=\"center\">$74.53<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>Employee + Child(ren)<\/td>\n<td>\n<p align=\"center\">$70.57<\/p>\n<\/td>\n<td>\n<p align=\"center\">$100.46<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>Employee + Family<\/td>\n<td>\n<p align=\"center\">$89.59<\/p>\n<\/td>\n<td>\n<p align=\"center\">$135.77<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n[\/vc_column_text][\/tab][tab icon_family=&#8221;none&#8221; title=&#8221;Vision&#8221; tab_id=&#8221;1775756399483-2&#8243; id=&#8221;1775756399482-5&#8243;][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_spacing=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][image_with_animation animation=&#8221;None&#8221; hover_animation=&#8221;none&#8221; alignment=&#8221;center&#8221; border_radius=&#8221;none&#8221; box_shadow=&#8221;none&#8221; image_loading=&#8221;default&#8221; max_width=&#8221;100%&#8221; max_width_mobile=&#8221;default&#8221;][image_with_animation image_url=&#8221;1162&#8243; animation=&#8221;None&#8221; hover_animation=&#8221;none&#8221; alignment=&#8221;center&#8221; border_radius=&#8221;none&#8221; box_shadow=&#8221;none&#8221; image_loading=&#8221;default&#8221; max_width=&#8221;100%&#8221; max_width_mobile=&#8221;default&#8221;][divider line_type=&#8221;No Line&#8221; custom_height=&#8221;30&#8243;][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_spacing=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text]\n<h1 style=\"text-align: center;\">Vision<\/h1>\n<hr \/>\n<p>Over 60% of Americans require some form of vision correction and eyestrain is the #1 office-related health complaint. Vision insurance is offered through Beam VSP.<\/p>\n<p>Complete details and your account can be accessed at: <a href=\"https:\/\/www.beambenefits.com\/\">https:\/\/www.beambenefits.com\/<\/a><\/p>\n<p align=\"left\">With Beam, you and your eligible dependents will receive comprehensive, high-quality vision care at affordable monthly rates. If you visit a participating provider and select covered vision-related materials, you will experience no additional cost beyond your co-payment. When you use a network provider, participants and dependents are eligible for the following:<\/p>\n<hr \/>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_column_text]\n<table style=\"background-color: #e0ebda;\" border=\"1\">\n<tbody>\n<tr>\n<td style=\"width: 244.4px;\"><strong>Benefit<\/strong><\/td>\n<td style=\"width: 297.6px;\"><strong>Frequency<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 244.4px;\">Exams<\/td>\n<td style=\"width: 297.6px;\">12 months<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 244.4px;\">Lenses<\/td>\n<td style=\"width: 297.6px;\">12 months<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 244.4px;\">Frames<\/td>\n<td style=\"width: 297.6px;\">12 months<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 244.4px;\">Contacts (in lieu of glasses)<\/td>\n<td style=\"width: 297.6px;\">12 months<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 244.4px;\"><strong>Benefit <\/strong><\/td>\n<td style=\"width: 297.6px;\"><strong>Co-Payment<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 244.4px;\">Materials<\/td>\n<td style=\"width: 297.6px;\">$10<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 244.4px;\">Exam<\/td>\n<td style=\"width: 297.6px;\">$10<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 244.4px;\">Contact Lens Fitting &amp; Evaluation<\/td>\n<td style=\"width: 297.6px;\">15% discount (not to exceed $60)<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 244.4px;\"><strong>In Network Allowances <\/strong><\/td>\n<td style=\"width: 297.6px;\"><strong>\u00a0<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 244.4px;\">Retail Frame Value (1, 2, 3)<\/td>\n<td style=\"width: 297.6px;\">$150\/20% off coverage<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 244.4px;\">Elective Contact Lenses<\/td>\n<td style=\"width: 297.6px;\">$150<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 244.4px;\">Covered Lens Options<\/td>\n<td style=\"width: 297.6px;\">Low Vision and Polycarbonate for Children<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 244.4px;\"><strong>Value Added Programs <\/strong><\/td>\n<td style=\"width: 297.6px;\"><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 244.4px;\">Diabetic Eyecare Plus Program<\/td>\n<td style=\"width: 297.6px;\">Included<\/p>\n<p>\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0 Retinal screening for members with diabetes<\/p>\n<p>\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0 Additional exams for members with diabetic eye disease, glaucoma, or age-related macular degeneration<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 244.4px;\">Hearing Aid Discounts<\/td>\n<td style=\"width: 297.6px;\">Included<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 244.4px;\">Eye Health Management<\/td>\n<td style=\"width: 297.6px;\">Included<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 244.4px;\">Diabetic Exam Reminder Letters<\/td>\n<td style=\"width: 297.6px;\">Included<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 244.4px;\"><strong>Out-of-Network Allowances<\/strong><\/td>\n<td style=\"width: 297.6px;\"><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 244.4px;\">Exam, up to<\/td>\n<td style=\"width: 297.6px;\">$45<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 244.4px;\">Single Vision Lenses, up to<\/td>\n<td style=\"width: 297.6px;\">$30<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 244.4px;\">Bifocal Lenses, up to<\/td>\n<td style=\"width: 297.6px;\">$50<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 244.4px;\">Trifocal Lenses, up to<\/td>\n<td style=\"width: 297.6px;\">$65<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 244.4px;\">Lenticular Lenses, up to<\/td>\n<td style=\"width: 297.6px;\">$100<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 244.4px;\">Frame, up to<\/td>\n<td style=\"width: 297.6px;\">$70<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 244.4px;\">Elective Contact Lenses, up to<\/td>\n<td style=\"width: 297.6px;\">$105<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 244.4px;\">Necessary Contact Lenses, up to<\/td>\n<td style=\"width: 297.6px;\">$210<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 244.4px;\"><strong>Extra Discounts &amp; Savings<\/strong><\/td>\n<td style=\"width: 297.6px;\"><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 244.4px;\">Lens Enhancement<\/td>\n<td style=\"width: 297.6px;\">Most popular are covered with a copay, saving 20-25% average.<\/p>\n<p>\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0 Standard progressive lenses &#8211; $55<\/p>\n<p>\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0 Premium progressive lenses &#8211; $95-$105<\/p>\n<p>\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0 Custom progressive lenses &#8211; $150-$175<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 244.4px;\">Additional Pairs of Glasses<\/td>\n<td style=\"width: 297.6px;\">20% off<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 244.4px;\">Sunglasses<\/td>\n<td style=\"width: 297.6px;\">20% off<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 244.4px;\">Laser Vision Correction (LVC)<\/td>\n<td style=\"width: 297.6px;\">Average 15% discount<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>1 Extra $20 Allowance on featured brands like bebe\u00ae, Calvin Klein, Flexon, Lacoste, Nike, Nine West and more. Featured frame brands and promotion subject to change.<br \/>\n2 Frame allowance backed by a wholesale guarantee, meaning VSP fully covers more frames than retail allowance plans.<br \/>\n3 Allowance may differ at Wal-Mart, Sams and Costco\u00ae Optical, however it is of equivalent value.<\/p>\n<p>&nbsp;<\/p>\n<p align=\"center\"><span style=\"font-size: 18pt;\">One-year eyeglass breakage warranty included<\/span><\/p>\n<p><strong><br \/>\n<u>Beam Monthly<\/u><span style=\"text-decoration: underline;\"> Rates<\/span>: Effective January 1, 2026<\/strong><\/p>\n<table border=\"1\" width=\"350\" cellspacing=\"1\" cellpadding=\"1\">\n<tbody>\n<tr>\n<td>Employee Only<\/td>\n<td>$8.77<\/td>\n<\/tr>\n<tr>\n<td>Employee + 1 Dependent<\/td>\n<td>$15.19<\/td>\n<\/tr>\n<tr>\n<td>Employee + Family<\/td>\n<td>$25.63<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n[\/vc_column_text][vc_column_text][\/vc_column_text][\/tab][tab icon_family=&#8221;none&#8221; title=&#8221;Cafeteria Plan&#8221; tab_id=&#8221;1775756399555-9&#8243; id=&#8221;1775756399554-2&#8243;][vc_column_text]\n<p align=\"center\"><span style=\"font-size: small;\"><strong><span style=\"font-family: 'Times New Roman', Times, serif; font-size: x-large;\">Southern Administrators and Benefit Consultants<\/span><\/strong><\/span><\/p>\n[\/vc_column_text][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_spacing=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/3&#8243; tablet_width_inherit=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text]\n<p style=\"text-align: center;\"><u><span style=\"font-size: small;\">Mailing Address:<\/span><\/u><span style=\"font-size: small;\"><br \/>\nP.O. Box 2449<\/span><br \/>\nMadison, MS 39130-2449<\/p>\n[\/vc_column_text][\/vc_column_inner][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_spacing=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/3&#8243; tablet_width_inherit=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text]\n<p style=\"text-align: center;\"><u>Physical Address:<\/u><span style=\"font-size: small;\"><br \/>\n567 Highway 51, Suite A<br \/>\nRidgeland,\u00a0MS 39157<\/span><\/p>\n[\/vc_column_text][\/vc_column_inner][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_spacing=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/3&#8243; tablet_width_inherit=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text]\n<p style=\"text-align: center;\"><span style=\"font-size: small;\">Phone (601) 856-9933<br \/>\nFax (601) 856-8088<br \/>\n<\/span><a href=\"https:\/\/www.sabcflex.com\/content\/employee-services\">https:\/\/www.sabcflex.com\/content\/employee-services <\/a><\/p>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][divider line_type=&#8221;Full Width Line&#8221; line_thickness=&#8221;1&#8243; divider_color=&#8221;default&#8221; custom_height=&#8221;30&#8243;][vc_column_text]\n<h3 align=\"center\">Cafeteria Plan<\/h3>\n<div>Cafeteria Plans are Flexible Benefit Plans that enable employees to choose from a menu of fringe benefits as defined in Section 125 of the Internal Revenue Code. There are two primary types of Cafeteria Plans.<\/div>\n<div><\/div>\n<div>In a Premium Only Plan, known as POP, the employee pays the premium for group insurance plans such as life, dental, vision, health, cancer, accidental death and dismemberment, and others with pre-tax dollars.<\/div>\n<div><\/div>\n<div>In a Full Flex Plan, in addition to paying group insurance premiums with pre-tax dollars, the employee participants in one or both types of Flexible Spending Accounts: an Unreimbursed Medical Expenses account, in which a portion of the employee\u2019s pre-tax income is set aside to pay for deductibles and other out-of-pocket medical expenses or a Dependent Care Reimbursement account, in which a portion of the employee\u2019s pre-tax income is set aside to pay for childcare or other dependent care expenses.<\/div>\n<div><\/div>\n<div>By paying premiums with pre-tax dollars, employees can reduce their taxable income by the cost of eligible benefits chosen. The savings can be used to select additional benefits from the Cafeteria Plan menu. Participation in one or both Flexible Spending Accounts can yield additional tax savings. Since the Plan reduces reportable taxable income, the enrolled employee may incur a reduced Social Security benefit at the time of retirement. The extent of the reduction depends on both the length of time under the Pre-tax Benefit Plan and the total amount of tax reductions.<\/div>\n<div><\/div>\n<div>Changes to the Cafeteria plan cannot be made unless major changes in family status occur such as marriage, divorce, death of a spouse or dependent, birth or adoption of a child, termination of employment of employees\u2019 spouse, switching from part-time to full-time employment status or from full-time to part-time status of employees\u2019 spouse or employee or employee\u2019s spouse taking an unpaid leave of absence.\u00a0<strong>Changes are not automatic and should be made within 60 days of a qualifying event. You must contact Human Resources and complete the necessary forms within 60 days of the change.<\/strong><\/div>\n<div><\/div>\n<div>\n<div><strong>Flex Plans:<\/strong><strong>\u00a0<\/strong><\/div>\n<ul>\n<li><u>Careflex:<\/u>\u00a0Dependent care expenses are covered if the dependent is age 12 or under, or physically or mentally incapable of self-care. An incapacitated dependent, who is age 13 or older must regularly spend at least eight hours a day in the employee\u2019s household to qualify. These expenses must be incurred to allow an employee and spouse to work unless the spouse is a full-time student or incapable of self-care. Eligible expenses include the costs for in-house or on-site care centers (caring for six (6) or more individuals) or at-home services provided by third parties who meet applicable state and federal law standards. Preschool costs for a child may also qualify for reimbursement. The maximum allowable expense per year is $5,000 for a married couple. Dependent care expenses reimbursed cannot be applied toward the federal income tax credit for dependent care. During the Plan year (September through August) flexible spending account participants may not change the amount of their monthly deduction unless major changes in a family status occur.<\/li>\n<li><u>Unreimbursed Medical Expenses:<\/u>\u00a0This plan allows for non-reimbursed medical expenses up the amount of $5,000 to be paid with before tax dollars. You may choose to defer a certain dollar amount per month and then, as eligible expenses are incurred, file for reimbursement by providing receipts for covered expenses. During the plan year, participants cannot change their election unless major changes in a family status occur. Should you have medical expenses in excess of available funds in the medical reimbursement account, you cannot claim against the dependent care account. Funds in the accounts must remain separate.<\/li>\n<\/ul>\n<p>A\u00a0<a href=\"http:\/\/www.sabcflex.com\/CLAIMFORM.pdf\">claim form<\/a>\u00a0and supporting documentation, such as explanations of benefits, receipts, etc.\u00a0must be submitted directly to Southern Administrators and Benefit Consultants. The\u00a0<u>fax number is\u00a0601-856-8088<\/u>\u00a0or claims may be mailed directly to the following address:\u00a0Southern Administrators and Benefit Consultants;\u00a0P.O. Box 2449,\u00a0Madison, MS\u00a039130-2449. Claims must be submitted\u00a0by 3:00 p.m. each day in\u00a0in order to receive reimbursement\u00a0the next day.<\/p>\n<p><a href=\"https:\/\/www.sabcflex.com\/wordpress\/wp-content\/uploads\/2018\/07\/CLAIMFORM.pdf\">Southern Administrators and Benefit Consultants Claim Form for Unreimbursed Medical and Daycare Expenses<\/a><\/p>\n<div><\/div>\n<div><strong>EXAMPLES OF ELIGIBLE REIMBURSEMENT ACCOUNT EXPENSES<\/strong><\/div>\n<ul>\n<li>Ambulance Hire<\/li>\n<li>Artificial limbs and breasts (only if reconstructive)<\/li>\n<li>Braille books and magazines<\/li>\n<li>Contact lens solution<\/li>\n<li>Crutches<\/li>\n<li>Drugs (legal, prescription only or insulin)<\/li>\n<li>Elastic hose (medically prescribed)<\/li>\n<li>Eye glasses\/contacts<\/li>\n<li>Fees for:<br \/>\n<table border=\"1\" summary=\"\" width=\"636\" cellspacing=\"1\" cellpadding=\"1\" align=\"center\">\n<tbody>\n<tr>\n<td>1.\u00a0Acupuncture<\/td>\n<td>11. Clinic<\/td>\n<td>\n<p align=\"left\">21. Dentist<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>2.\u00a0Chiropractor<\/td>\n<td>12. Gynecologist<\/td>\n<td>22. Hospital<\/td>\n<\/tr>\n<tr>\n<td>3.\u00a0Examination<\/td>\n<td>13. Nurse<\/td>\n<td>23. Obstetrician<\/td>\n<\/tr>\n<tr>\n<td>4.\u00a0Laboratory<\/td>\n<td>14. Optometrist<\/td>\n<td>24. Oral Surgery<\/td>\n<\/tr>\n<tr>\n<td>5.\u00a0Ophthalmologist<\/td>\n<td>15. Osteopath<\/td>\n<td>25. Pediatrician<\/td>\n<\/tr>\n<tr>\n<td>6.\u00a0Orthodontics<\/td>\n<td>16. Physiotherapist<\/td>\n<td>26. Podiatrist<\/td>\n<\/tr>\n<tr>\n<td>7.\u00a0Physician<\/td>\n<td>17. Psychoanalyst<\/td>\n<td>27. Psychologist<\/td>\n<\/tr>\n<tr>\n<td>8.\u00a0Sanitarium<\/td>\n<td>18. Surgeon<\/td>\n<td>28. Surgery<\/td>\n<\/tr>\n<tr>\n<td>9.\u00a0Therapy<\/td>\n<td>19. X-ray<\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td>10. Anesthetist<\/td>\n<td>20. Chiropodist<\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/li>\n<\/ul>\n<\/div>\n[\/vc_column_text][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_spacing=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/2&#8243; tablet_width_inherit=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text]\n<ul>\n<li>Hearing devices<\/li>\n<li>Insurance co-payments and deductibles<\/li>\n<li>Needles, syringes and other diabetic-related supplies<\/li>\n<li>Nursing care<\/li>\n<li>Oxygen equipment<\/li>\n<li>Rental of medical or healing equipment<\/li>\n<li>Seeing-eye dog and hearing-assisting cat<\/li>\n<li>Support or corrective devices<\/li>\n<li>Telephone for deaf<\/li>\n<li>Medically prescribed therapy treatments<\/li>\n<\/ul>\n[\/vc_column_text][\/vc_column_inner][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_spacing=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/2&#8243; tablet_width_inherit=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text]\n<div><strong>EXAMPLES OF INELIGIBLE REIMBURSEMENT EXPENSES<\/strong><\/div>\n<ul>\n<li>Retin-A<\/li>\n<li>Smoking cessation program<\/li>\n<li>Weight loss program<\/li>\n<li>Elective cosmetic surgery<\/li>\n<li>Medical insurance premiums<\/li>\n<li>Health club dues<\/li>\n<li>Rogaine<\/li>\n<li>Maternity clothing<\/li>\n<li>Non-prescription drugs<\/li>\n<li>Exercise programs and health spa membership<\/li>\n<li>Diaper service<\/li>\n<li>Swimming lessons<\/li>\n<li>Household help<\/li>\n<\/ul>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/tab][tab icon_family=&#8221;none&#8221; title=&#8221;Hartford Life Insurance&#8221; tab_id=&#8221;1775756399662-5&#8243; id=&#8221;1775756399660-6&#8243;][vc_column_text]\n<h1 align=\"center\"><img decoding=\"async\" src=\"https:\/\/s0.hfdstatic.com\/sites\/the_hartford\/img\/logo.png\" alt=\"The Hartford Insurance Company\" \/><\/h1>\n<h1 align=\"center\">Hartford Life Insurance<\/h1>\n<hr \/>\n<p align=\"left\"><b>SUPPLEMENTAL LIFE INSURANCE<br \/>\n<\/b><br \/>\nEmployees may select Supplemental Life Insurance provided by The Hartford Life &amp; Accident Insurance Company in even multiples of $5,000, subject to a minimum of $5,000. Guarantee issue up to $50,000. Evidence of Insurability is required over $50,000. After 31 days from the date of eligibility, you will be considered to be a \u201clate enrollee\u201d applicant and will be required to submit an evidence of insurability form to request coverage. Hartford Life must give approval on all \u201clate enrollee\u201d applications before coverage can be provided.<\/p>\n<p>The current cost is:<\/p>\n<table border=\"1\" width=\"100%\" cellspacing=\"1\" cellpadding=\"1\">\n<tbody>\n<tr>\n<td bgcolor=\"#006600\">\n<p align=\"center\"><span style=\"color: #ffffff;\"><strong>Age<\/strong><\/span><\/p>\n<\/td>\n<td bgcolor=\"#006600\">\n<p align=\"center\"><span style=\"color: #ffffff;\"><strong>Cost per $1,000<\/strong><\/span><\/p>\n<\/td>\n<td bgcolor=\"#006600\">\n<p align=\"center\"><span style=\"color: #ffffff;\"><strong>Age<\/strong><\/span><\/p>\n<\/td>\n<td bgcolor=\"#006600\">\n<p align=\"center\"><span style=\"color: #ffffff;\"><strong>Cost per $1,000<\/strong><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p align=\"center\">Under 30<\/p>\n<\/td>\n<td>\n<p align=\"center\">$.067<\/p>\n<\/td>\n<td>\n<p align=\"center\">55 \u2013 59<\/p>\n<\/td>\n<td>\n<p align=\"center\">$.47<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p align=\"center\">30 \u2013 34<\/p>\n<\/td>\n<td>\n<p align=\"center\">.067<\/p>\n<\/td>\n<td>\n<p align=\"center\">60 \u2013 64<\/p>\n<\/td>\n<td>\n<p align=\"center\">.661<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p align=\"center\">35 \u2013 39<\/p>\n<\/td>\n<td>\n<p align=\"center\">.078<\/p>\n<\/td>\n<td>\n<p align=\"center\">65 \u2013 69<\/p>\n<\/td>\n<td>\n<p align=\"center\">1.254<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p align=\"center\">40 \u2013 44<\/p>\n<\/td>\n<td>\n<p align=\"center\">.123<\/p>\n<\/td>\n<td>\n<p align=\"center\">70 \u2013 74<\/p>\n<\/td>\n<td>\n<p align=\"center\">2.666<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p align=\"center\">45 \u2013 49<\/p>\n<\/td>\n<td>\n<p align=\"center\">.213<\/p>\n<\/td>\n<td>\n<p align=\"center\">75 &amp; Up<\/p>\n<\/td>\n<td>\n<p align=\"center\">5.387<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p align=\"center\">50 \u2013 54<\/p>\n<\/td>\n<td>\n<p align=\"center\">.336<\/p>\n<\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><b>Travel Assistance Program<\/b><\/p>\n<p>The Travel Assistance Program gives you 24-hour, toll-free access to emergency assistance when you travel 100 miles or more from home for 31 consecutive days or less. The benefits and services are also available for your dependents \u2013 whether or not they\u2019re traveling with you. The Travel Assistance Program is provided by Worldwide Assistance Services, Inc. (WA) and provides the following benefits.[\/vc_column_text][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_spacing=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/2&#8243; tablet_width_inherit=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text]<b>Emergency Medical Assistance<\/b><\/p>\n<ul type=\"disc\">\n<li>Medical Referrals<\/li>\n<li>Medical Monitoring<\/li>\n<li>Medical Evacuation<\/li>\n<li>Medical Repatriation<\/li>\n<li>Traveling Companion Assistance<\/li>\n<li>Dependent Children Assistance<\/li>\n<li>Visit by a Family Member of Friend<\/li>\n<li>Emergency Medical Payments<\/li>\n<li>Return of Mortal Remains<\/li>\n<li>Replacement of Medication and Eyeglasses<\/li>\n<\/ul>\n[\/vc_column_text][\/vc_column_inner][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_spacing=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/2&#8243; tablet_width_inherit=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text]<b>Emergency Personal Services<\/b><\/p>\n<ul type=\"disc\">\n<li>Urgent Messages<\/li>\n<li>Emergency Travel Arrangements<\/li>\n<li>Emergency Cash<\/li>\n<li>Location Lost\/Stolen Luggage\/Personal Possessions<\/li>\n<li>Legal Assistance\/Bail<\/li>\n<li>Interpretation\/Translation<\/li>\n<\/ul>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][divider line_type=&#8221;No Line&#8221; custom_height=&#8221;30&#8243;][vc_column_text]Please see the\u00a0brochure to learn more about the services WA provides. All you have to do to take advantage of this program is to sign and return the Travel Assistance Program enrollment sheet to Human Resources.[\/vc_column_text][\/tab][tab icon_family=&#8221;none&#8221; title=&#8221;Universal Life Insurance&#8221; tab_id=&#8221;1775756399766-1&#8243; id=&#8221;1775756399764-5&#8243;][vc_column_text]\n<h1 align=\"center\"><img decoding=\"async\" src=\"https:\/\/www.transamerica.com\/system\/Images\/Transamerica_Logo_Horizontal_RGB_tcm90-53317.jpg\" alt=\"TA Logo\" \/><\/h1>\n<h1 align=\"center\">Universal Life Insurance<\/h1>\n<hr \/>\n<p align=\"center\">Transamerica Life Insurance<br \/>\nP.O. Box 8063<br \/>\nLittle Rock, AR 72203-8063<br \/>\n1-888-763-7474<br \/>\n1-800-400-3042<\/p>\n<hr \/>\n<p>Voluntary Universal Life Insurance, offered through Transamerica, combines life insurance protection with an ability to grow cash value. You have the safety and security of a specified death benefit plus the opportunity to tailor your coverage to your personal situation. Individual or family coverage is available and the policy is guaranteed issued up to $100,000.<\/p>\n<p>To address employee concerns about losing coverage because of a layoff. The layoff waiver protects your life insurance from lapse up to six months if you are involuntarily laid off. You must have been employed on a permanent, full-time basis. The layoff must be due to: a reduction in work force due to economic conditions; a decrease in your employer[\/vc_column_text][\/tab][tab icon_family=&#8221;none&#8221; title=&#8221;New York Life Insurance&#8221; tab_id=&#8221;1775756399781-2&#8243; id=&#8221;1775756399781-4&#8243;][vc_column_text]\n<h1 align=\"center\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.deltastate.edu\/images\/human_resources\/newyorklife_logo2.gif\" width=\"237\" height=\"124\" \/><\/h1>\n<p style=\"text-align: center;\"><a class=\"\" href=\"https:\/\/www.deltastate.edu\/finance\/human-resource-department\/employee-benefits\/new-york-life-insurance\/#Five (5) Year Term Life Insurance\" target=\"\" rel=\"noopener\">5\u00a0Year Term Life\u00a0Insurance<br \/>\n<\/a><a class=\"\" href=\"https:\/\/www.deltastate.edu\/finance\/human-resource-department\/employee-benefits\/new-york-life-insurance\/#Five (5) Year Term Life Insurance\" target=\"\" rel=\"noopener\">\u00a0<\/a><a class=\"\" href=\"https:\/\/www.deltastate.edu\/finance\/human-resource-department\/employee-benefits\/new-york-life-insurance\/#Twenty (20) Year Term Life Insurance\" target=\"\" rel=\"noopener\">20 Year Term Life Insurance<br \/>\n<\/a><a class=\"\" href=\"https:\/\/www.deltastate.edu\/finance\/human-resource-department\/employee-benefits\/new-york-life-insurance\/#Increasing Premium Term (IPT) Insurance\" target=\"\" rel=\"noopener\">IPT Term<\/a><br \/>\n<a class=\"\" href=\"https:\/\/www.deltastate.edu\/finance\/human-resource-department\/employee-benefits\/new-york-life-insurance\/#Whole Life Insurance\" target=\"\" rel=\"noopener\">Whole Life Insurance<\/a><br \/>\n<a class=\"\" href=\"https:\/\/www.deltastate.edu\/finance\/human-resource-department\/employee-benefits\/new-york-life-insurance\/#NYLIAC VUL 2000 (Variable Universal Life)\" target=\"\" rel=\"noopener\">NYLIAC VUL 2000 (Variable Universal Life)<\/a><\/p>\n<p align=\"center\"><em>Click on a product below to view additional details about the policy.<\/em><\/p>\n<hr \/>\n<p align=\"center\">New York Life Insurance Company<br \/>\n51 Madison Avenue<br \/>\nNew York, NY 10010<br \/>\n<a href=\"http:\/\/www.newyorklife.com\/\">www.newyorklife.com<\/a><\/p>\n<hr \/>\n<h3 align=\"center\"><u><strong><a name=\"Five (5) Year Term Life Insurance\"><\/a>Five (5) Year Term Life Insurance<\/strong><\/u><\/h3>\n<p align=\"left\"><u><\/u>5 Year Term (5YT) offers affordable, temporary life insurance protection. The initial premiums are guaranteed and remain level for the first five years. In years 6-10 premiums increase and are expected, but are not guaranteed, to remain level. Thereafter, premiums increase annually.<\/p>\n<p align=\"left\">The coverage 5YT provides could help families and business owners safeguard their financial future. The proceeds can be use to help pay mortgages and other debts, fund a child\u2019s college education, and help a family continue its standard of living.<\/p>\n<p align=\"left\"><strong>Highlights<\/strong><\/p>\n<ul>\n<li>\n<div align=\"left\">Pure life insurance protection.<\/div>\n<\/li>\n<li>\n<div align=\"left\">A death benefit that is, in most instances, free from federal income tax.<\/div>\n<\/li>\n<li>\n<div align=\"left\">Guaranteed renewable coverage through the expiry age.<\/div>\n<\/li>\n<li>\n<div align=\"left\">The privilege to convert to a permanent policy that builds cash value.<\/div>\n<\/li>\n<li>\n<div align=\"left\">The financial strength of New York Life.<\/div>\n<\/li>\n<\/ul>\n<p align=\"left\"><strong>The Uses of 5YT<\/strong><\/p>\n<p align=\"left\"><em><u>Temporary Need for Protection<\/u><\/em>\u00a0\u2013 When coverage is needed for a relatively short period of time, 5YT can be ideal. A common use is when a mortgage or student loan is taken.<\/p>\n<p align=\"left\"><em><u>Limited Funds<\/u><\/em>\u00a0\u2013 In situations where life insurance is essential but dollars are scarce, 5YT could serve as a stop-gp. Young people starting their careers can choose 5YT, then convert to a permanent plan as their finances improve.<\/p>\n<p align=\"left\"><em><u>Supplemental Insurance<\/u><\/em>\u00a0\u2013 5YT can be added as a rider to a permanent plan to help boost the death benefit.<\/p>\n<p align=\"left\"><em><u>Provide Other Coverage<\/u><\/em>\u00a0\u2013 Riders can be added to the policy to insure a spouse and\/or children, parents, or business partners, guaranteeing their future insurability.<\/p>\n<p align=\"left\"><strong>Product Specifics<\/strong><\/p>\n<table border=\"1\" width=\"100%\" cellspacing=\"1\" cellpadding=\"1\">\n<tbody>\n<tr>\n<td>Issue Ages:<\/td>\n<td>Base Plan: 15 \u2013 75<br \/>\nRider: 0 \u2013 75<\/td>\n<\/tr>\n<tr>\n<td>Expiry Age:<\/td>\n<td>90 for all states, except New York<\/td>\n<\/tr>\n<tr>\n<td>Minimum Face Amount:<\/td>\n<td>Base Plan: $100,000<br \/>\nRider: $10,000<\/td>\n<\/tr>\n<tr>\n<td>Premium Modes:<\/td>\n<td>Several convenient ways to pay premiums: annually, semi-annually, quarterly, monthly, automatic bank draft or NYL-A-Plan method<\/td>\n<\/tr>\n<tr>\n<td>Premium Guarantee<\/td>\n<td>Premiums are guaranteed and level for the first five years<\/td>\n<\/tr>\n<tr>\n<td>Risk Classes<\/td>\n<td>Based on defined underwriting criteria, New York Life offers the following risk classes: select preferred, preferred, non-smoker, select standard, standard, and non-smoker and standard special class 2-13.<\/td>\n<\/tr>\n<tr>\n<td>Conversion Privilege<\/td>\n<td>5YT policies allow the owner to convert all or part of the policy into permanent, cash value life insurance without furnishing evidence of insurability. In all states, except New York, the conversion period is during the later of 10 years or age 30.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<hr \/>\n<h2 align=\"center\"><u><a name=\"Twenty (20) Year Term Life Insurance\"><\/a>Twenty\u00a0(20) Year Term Life Insurance<\/u><\/h2>\n<p align=\"left\">20 Year Term (20YT) offers affordable life insurance protection. The initial premiums are guaranteed to remain level for the first ten years. In year eleven, the premiums are expected to remain the same for the next ten years, but this is not guaranteed. At year twenty-one, the premium rates increase annually.<\/p>\n<p align=\"left\">The coverage 20YT could help families and business owners safeguard their financial futures. The death benefit can be used to help pay mortgages and other debts, fund a child\u2019s college education, expand business operations, and help a family continue its standard of living.<\/p>\n<p align=\"left\"><strong>Highlights<\/strong><\/p>\n<ul>\n<li>\n<div align=\"left\">Pure life insurance protection<\/div>\n<\/li>\n<li>\n<div align=\"left\">A death benefit that, in most instances, is free from federal income tax.<\/div>\n<\/li>\n<li>\n<div align=\"left\">Guaranteed renewable coverage through the expiry age.<\/div>\n<\/li>\n<li>\n<div align=\"left\">The privilege to convert to a permanent policy that builds cash value.<\/div>\n<\/li>\n<li>\n<div align=\"left\">The financial strength of New York Life.<\/div>\n<\/li>\n<\/ul>\n<p align=\"left\"><strong>The Uses of 20YT<\/strong><\/p>\n<p align=\"left\"><em><u>Temporary Need for Protection<\/u><\/em>\u00a0\u2013 When coverage is needed for a finite period of time, 20YT can be ideal. A common use is when a mortgage or student loan is taken.<\/p>\n<p align=\"left\"><em><u>Limited Funds<\/u><\/em>\u00a0\u2013 In situations where life insurance is essential but dollars are scarce, 20YT could serve as a stop-gp. Young people starting their careers can choose 20YT, then convert to a permanent plan as their finances improve.<\/p>\n<p align=\"left\"><strong>Product Specifics<\/strong><\/p>\n<table border=\"1\" width=\"100%\" cellspacing=\"1\" cellpadding=\"1\">\n<tbody>\n<tr>\n<td>Issue Ages:<\/td>\n<td>Age 15 \u2013 60<\/td>\n<\/tr>\n<tr>\n<td>Expiry Age:<\/td>\n<td>90 for all states, except New York<\/td>\n<\/tr>\n<tr>\n<td>Minimum Face Amount:<\/td>\n<td>$100,000<\/td>\n<\/tr>\n<tr>\n<td>Maximum Face Amount<\/td>\n<td>Subject to New York Life limits<\/td>\n<\/tr>\n<tr>\n<td>Premium Modes:<\/td>\n<td>Several convenient ways to pay premiums: annually, semi-annually, quarterly,\u00a0Check-o-Matic, and NYL-A-Plan method<\/td>\n<\/tr>\n<tr>\n<td>Risk Classes<\/td>\n<td>Based on defined underwriting criteria, New York Life offers the following risk classes: select preferred, preferred, non-smoker, select standard, standard, and non-smoker and standard special class 2-13.<\/td>\n<\/tr>\n<tr>\n<td>Conversion Privilege<\/td>\n<td>20YT policies allow the owner to convert all or part of the policy into permanent, cash value life insurance without furnishing evidence of insurability.<\/p>\n<ul>\n<li>Original Age Conversion \u2013 Final conversion date is the fifth policy anniversary<\/li>\n<li>Attained Age Conversion \u2013 Final conversion date is age 30 or the tenth policy anniversary, whichever is later.<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<hr \/>\n<h2 align=\"center\"><u><strong><a name=\"Increasing Premium Term (IPT) Insurance\"><\/a>Increasing Premium Term (IPT) Insurance<\/strong><\/u><\/h2>\n<p>Increasing Premium Term (IPT) offers temporary life insurance protection at an affordable initial premium. IPT is guaranteed renewable through the contract expiry age and includes a conversion privilege that is available until age 70. The coverage it provides could help families and business owners safeguard their financial futures.<\/p>\n<p><strong>Highlights<\/strong><\/p>\n<ul>\n<li>Pure life insurance protection<\/li>\n<li>A death benefit that is, in most instances, free from federal income tax.<\/li>\n<li>An initial premium that may be considerably lower than a comparable permanent plan.<\/li>\n<li>Guaranteed renewable coverage through the contract\u2019s expiry date.<\/li>\n<li>The privilege to convert to a permanent policy that builds a cash value.<\/li>\n<li>A Conversion Credit that\u2019s applied to the new policy\u2019s first-year premium<\/li>\n<li>The financial strength of New York Life.<\/li>\n<\/ul>\n<p><strong>The Uses of IPT<\/strong><\/p>\n<p align=\"left\"><em><u>Temporary Need for Protection<\/u><\/em>\u00a0\u2013 When coverage is needed for a relatively short period of time, 5YT can be ideal. A common use is when a mortgage or student loan is taken.<\/p>\n<p align=\"left\"><em><u>Limited Funds<\/u><\/em>\u00a0\u2013 In situations where life insurance is essential but dollars are scarce, IPT could serve as a stop-gp. Young people starting their careers can choose IPT, then convert to a permanent plan as their finances improve.<\/p>\n<p align=\"left\"><em><u>Supplemental Insurance<\/u><\/em>\u00a0\u2013 IPT can be added as a rider to a permanent plan to help boost the death benefit.<\/p>\n<p align=\"left\"><em><u>Family Coverage<\/u><\/em>\u00a0\u2013 Optional riders such as Spouse and Children\u2019s Insurance and Children\u2019s Insurance can be added to the policy to extend coverage to family members.<\/p>\n<p align=\"left\"><strong>Product Specifics<\/strong><\/p>\n<table border=\"1\" width=\"100%\" cellspacing=\"1\" cellpadding=\"1\">\n<tbody>\n<tr>\n<td>Issue Ages:<\/td>\n<td>Base Plan: 15 \u2013 65<\/td>\n<\/tr>\n<tr>\n<td>Expiry Age:<\/td>\n<td>100 for all states, except New York, New\u00a0Jersey, Maryland<\/td>\n<\/tr>\n<tr>\n<td>Minimum Face Amount:<\/td>\n<td>Base Plan: $250,000<br \/>\nRider: $25,000<\/td>\n<\/tr>\n<tr>\n<td>Premium Modes:<\/td>\n<td>Several convenient ways to pay premiums: annually, semi-annually, quarterly, monthly, automatic bank draft or NYL-A-Plan method<\/td>\n<\/tr>\n<tr>\n<td>Premium Guarantee<\/td>\n<td>Premiums are guaranteed and level for the first\u00a0three years<\/td>\n<\/tr>\n<tr>\n<td>Risk Classes<\/td>\n<td>Based on defined underwriting criteria, New York Life offers the following risk classes: select preferred, preferred, non-smoker, select standard, standard, and non-smoker and standard special class 2-13.<\/td>\n<\/tr>\n<tr>\n<td>Conversion Privilege<\/td>\n<td>IPT\u00a0policies allow the owner to convert all or part of the policy into permanent, cash value life insurance without furnishing evidence of insurability.\u00a0This valuable privilege until the insured is age 70.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<hr \/>\n<h2 align=\"center\"><a name=\"Whole Life Insurance\"><\/a><u>Whole Life Insurance<\/u><\/h2>\n<p align=\"left\">In addition to paying a death benefit, Whole Life is also a value builder. The cash values that accumulate in the policy can be accessed during your lifetime to fund vital needs such as a child\u2019s education or a new home. Whole Life is a flexible product that can be customized to meet your family\u2019s unique needs. It can provide a foundation upon which you can build your family\u2019s financial future.<\/p>\n<p align=\"left\"><strong>Highlights:<\/strong><\/p>\n<ul>\n<li>\n<div align=\"left\">A guaranteed death benefit, generally free from federal income tax<\/div>\n<\/li>\n<li>\n<div align=\"left\">Tax-deferred cash value accumulation<\/div>\n<\/li>\n<li>\n<div align=\"left\">Generally, the ability to borrow from cash value on a tax-free basis<\/div>\n<\/li>\n<li>\n<div align=\"left\">A level premium that is guaranteed never to increase<\/div>\n<\/li>\n<li>\n<div align=\"left\">Permanent coverage that can never be canceled, provided that premiums are paid when due<\/div>\n<\/li>\n<li>\n<div align=\"left\">Eligibility to earn dividends as declared by the Company<\/div>\n<\/li>\n<li>\n<div align=\"left\">The ability to customize the plan be adding optional riders<\/div>\n<\/li>\n<\/ul>\n<p align=\"left\"><strong>The Uses of Whole Life<\/strong><\/p>\n<p align=\"left\"><em><u>Traditional Insurance<\/u><\/em>\u00a0\u2013 Provides the financial security that gives families the peace of mind they deserve.<\/p>\n<p align=\"left\"><em><u>Mortgage Protection<\/u><\/em>\u00a0\u2013 Can help pay off mortgage and other outstanding debts in the event of a premature death.<\/p>\n<p align=\"left\"><em><u>Retirement Funding<\/u><\/em>\u00a0\u2013 Over the long term, if you no longer need the death benefit protection, accumulated cash value can be accessed through policy loans or surrenders to help supplement a retirement income.<\/p>\n<p align=\"left\"><em><u>Education Funding<\/u><\/em>\u00a0\u2013 Help pay for children\u2019s and grandchildren\u2019s education through policy loans, or as named beneficiaries.<\/p>\n<p align=\"left\"><em><u>Pension Maximization<\/u><\/em>\u00a0\u2013 A possible solution to the pension dilemma, whereby a \u201csingle-life\u201d pension option is chosen and life insurance proceeds are earmarked to replace the lost pension benefit in the event of a pensioner\u2019s death.<\/p>\n<p align=\"left\"><em><u>Estate Planning Tool<\/u><\/em>\u00a0\u2013 Whole Life insurance can be an effective way of providing funds for estate expenses, and to help avoid the sale of assets and\/or the need to borrow.<\/p>\n<p align=\"left\"><em><u>Charitable Giving<\/u><\/em>\u00a0\u2013 Bequesting life insurance is an effective way to make a significant donation to your favorite charity.<\/p>\n<p align=\"left\"><strong>Product Specifics<\/strong><\/p>\n<table border=\"1\" width=\"100%\" cellspacing=\"1\" cellpadding=\"1\">\n<tbody>\n<tr>\n<td>Issue Ages:<\/td>\n<td>Age 0 \u2013 90<\/td>\n<\/tr>\n<tr>\n<td>Minimum Death Benefit<\/td>\n<td>For Issue Ages:<br \/>\n0 \u2013 17: $10,000<br \/>\n18 \u2013 90: $25,000 (Can go below $25,000 minimum as long as annual premium is at least $480)<\/td>\n<\/tr>\n<tr>\n<td>Premium Modes:<\/td>\n<td>Several convenient ways to pay premiums: annually, semi-annually, quarterly, monthly, automatic bank draft, Check-O-Matic\u00a0or NYLA-Plan method, or government allotment.<\/td>\n<\/tr>\n<tr>\n<td>Policy Loans<\/td>\n<td>\n<p align=\"left\">The maximum loan value on a policy anniversary, on a premium due date or during the grace period, is:<\/p>\n<p>Guaranteed cash value plus dividends values plus Option to Purchase Paid-Up Additions values minus the total of current loans and loan interest.<\/p>\n<p>At all other times, the maximum loans value is the amount that, with interest, will equal the maximum loan value on the next anniversary or on the next premium due date, if earlier.<\/td>\n<\/tr>\n<tr>\n<td>Loan Interest Rate<\/td>\n<td>Whole Life features a variable loan interest rate, which is increased or decreased based on the Monthly Average Corporate Yield shown in Moody\u2019s Corporate Bond Yield Average. The Company sets the loan interest rate at least once each year and may se the rate as often as quarterly.<\/td>\n<\/tr>\n<tr>\n<td>Risk Classes<\/td>\n<td>Based on defined underwriting criteria, New York Life offers the following risk classes: select preferred, preferred, non-smoker, select standard, standard, and non-smoker and standard special class 2-13.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<hr \/>\n<h2 align=\"center\"><u><a name=\"NYLIAC VUL 2000 (Variable Universal Life)\"><\/a>NYLIAC VUL 2000 (Variable Universal Life)<\/u><\/h2>\n<p><strong>Highlights:<\/strong><\/p>\n<ul>\n<li>Flexible life insurance coverage that enables you to tailor your policy with flexible premium payments: You can pay more than your planned premium, less or, sometimes, no premium at all.<\/li>\n<li>Ability to increase or decrease coverage (increases subject to underwriting; decreases may be subject to surrender charges), add or delete riders and change options.<\/li>\n<li>Tax-deferred accumulation\/tax-free transfers among a variety of Investment Divisions.<\/li>\n<li>Favorable tax advantages \u2013 the death benefit may be excluded from the gross income of the beneficiary\u2019s income for federal income tax purposes.<\/li>\n<li>Access to cash surrender value through loans and\/or withdrawals.<\/li>\n<li>27 Investment Divisions and a Fixed Account.<\/li>\n<li>3-Year No Lapse Guarantee (minimum premium payment required).<\/li>\n<li>Available on a non-qualified basis or within a qualified profit-sharing plan.<\/li>\n<li>Quarterly statements provided summarizing important facts about your policy.<\/li>\n<li>Convenient access to policy information through a toll free \u201c800\u201d number, available 7 days a week, 24 hours a day.<\/li>\n<\/ul>\n<p><strong>Insurance Benefit Options<\/strong><\/p>\n<ol>\n<li>Option 1 \u2013 Provides a level life insurance benefit equal to the policy\u2019s face amount.<\/li>\n<li>Option 2 \u2013 Provides a variable life insurance benefit that equals the sum of the policy\u2019s face amount and cash value.<\/li>\n<li>Option 3 \u2013 Provides a variable life insurance benefit that varies and equals the sum of your policy\u2019s face amount plus the total premiums paid, less any partial withdrawals.<\/li>\n<\/ol>\n<p>No matter what option you choose, a higher Life Insurance Benefit will apply if necessary to qualify as life insurance under Section 7702 of the Internal Revenue Code.<\/p>\n<p><strong>Fixed Account<\/strong><\/p>\n<p>Minimum guaranteed interest rate is 3%.<\/p>\n<p>The current interest rate is set by NYLIAC and is subject to change daily. Interest rates will be set in advance and become effective no later than the next day. All amounts (including any applied to or transferred to the Fixed Account)\u00a0receive the current interest rate. Different rates may apply to loaned and unloaned funds.<\/p>\n<p><strong>Investment Options<\/strong><\/p>\n<p>The NYLIAC Variable Universal Life 2000 policy offers a variety of investment options. You allocate your premium payments to achieve your financial objectives. You can select up to a maximum of 21 Investment Options, including the Fixed Account at one time.<\/p>\n<p><strong>Transfers<\/strong><\/p>\n<p>Transfers between Investment Divisions are easy and generally tax-free. There is no limit on the amount of money you can transfer between Investment Divisions. The minimum amount of a transfer from an Investment Division or the Fixed Account is the lesser of $500 or the total value of the Accumulation Unit in the Investment Division from which the transfer is being made. Limits apply to the maximum amount that can be transferred to and\/or from the Fixed Account.<\/p>\n<p><strong>Loans<\/strong><\/p>\n<p>The maximum loan can never exceed 90% of the policy\u2019s cash surrender value (cash value less surrender charges, any additional contract charge in the first Policy Year, unpaid loan principal, and accrued loan interest). Other limits and conditions apply. Loans will reduce the policy\u2019s cash value and death benefit.<\/p>\n<p><strong>Partial Withdrawals<\/strong><\/p>\n<p>The minimum available for withdrawal is $500, which is deducted from the policy\u2019s cash surrender value (cash value less any surrender charges, any additional contract charge in the first Policy Year, unpaid loan and accrued loan interest). A fee equal to the lessor of $25 or 2% of the amount withdraw will apply. Withdrawals will reduce the policy\u2019s cash value and death benefit.[\/vc_column_text][\/tab][tab icon_family=&#8221;none&#8221; title=&#8221;Cancer Select (Transamerica)&#8221; tab_id=&#8221;1775756399803-8&#8243; id=&#8221;1775756399802-9&#8243;][vc_column_text]<img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/www.transamerica.com\/system\/Images\/Transamerica_Logo_Horizontal_RGB_tcm90-53317.jpg\" alt=\"TA Logo\" \/><\/p>\n<h1 style=\"font-style: inherit; text-align: center;\">Cancer Select<\/h1>\n<hr \/>\n<p style=\"font-weight: inherit; font-style: inherit; text-align: center;\">Transamerica Life Insurance Company<br \/>\n1-800-797-2643<br \/>\nClaims Fax: 501-227-1651<\/p>\n<hr \/>\n<p style=\"font-weight: inherit; font-style: inherit;\">CancerSelect is a supplemental health insurance policy, offered through Transamerica, which provides benefits for the direct medical and indirect non-medical costs of cancer treatment. Benefits are paid in addition to any other insurance you may have, including the employer\u2019s medical plan. Benefits are paid directly to you or directly to anyone else you choose. CancerSelect is also available to your spouse and children at the same rates. Coverage is guaranteed renewable for life, and is 100% portable at the same rates.<\/p>\n<p style=\"font-weight: inherit; font-style: inherit;\">Medical Benefits include:<\/p>\n<p style=\"font-weight: inherit; font-style: inherit;\"><strong>In-Hospital Benefits<\/strong><\/p>\n<ul style=\"font-weight: inherit; font-style: inherit;\">\n<li style=\"font-weight: inherit; font-style: inherit;\"><u><em>Hospital Confinement:<\/em><\/u><strong>\u00a0<\/strong>This plan pays $100 per day-for up to 75 days of covered confinement. Beginning with the 76th day of continuous confinement, CancerSelect will pay the usual and customary charges for in-hospital costs in lieu of all other benefits (except surgery and anesthesia, which remain the same).\u00a0 No lifetime maximum.<\/li>\n<\/ul>\n<p style=\"font-weight: inherit; font-style: inherit;\">For hospital treatment where you are not required to pay for most services (government or charity hospitals) \u2013 in lieu of all other benefits \u2013 CancerSelect will pay $200 per day for the first 10 days of covered Hospital Confinement and $125 per day thereafter. This plan will also pay $75 per outpatient radiation therapy or chemotherapy. No lifetime maximum.<\/p>\n<ul style=\"font-weight: inherit; font-style: inherit;\">\n<li style=\"font-weight: inherit; font-style: inherit;\"><em><u>Attending Physician:<\/u><\/em>\u00a0CancerSelect will pay $45 for first day and $30 each day thereafter. No lifetime maximum.<\/li>\n<li style=\"font-weight: inherit; font-style: inherit;\"><em><u>Private Duty Nurse:<\/u><\/em>\u00a0 CancerSelect will pay $100 per day with no lifetime maximum.<\/li>\n<\/ul>\n<p style=\"font-weight: inherit; font-style: inherit;\"><strong>In- or Out-of-Hospital Benefits<\/strong><\/p>\n<ul style=\"font-weight: inherit; font-style: inherit;\">\n<li style=\"font-weight: inherit; font-style: inherit;\"><u><em>Drugs and Medicine:<\/em><\/u>\u00a0 This plan will pay $25 per day or $250 per confinement for in-hospital benefits, whichever is greater with no lifetime maximum. Radiation Therapy: \u00a0Pays charges from $5,000 to $25,000 (your choice) each calendar year for radiation therapy treatments with no lifetime maximum.<\/li>\n<li style=\"font-weight: inherit; font-style: inherit;\"><u><em>Chemotherapy Drugs:<\/em><\/u>\u00a0Pays charges from $5,000 to $25,000 (your choice) each calendar year for chemotherapy drugs with no lifetime maximum.<\/li>\n<li style=\"font-weight: inherit; font-style: inherit;\"><u><em>Experimental Treatment:<\/em><\/u>\u00a0 Pays usual and customary charges of up to $4,000 per year for drugs, chemicals, surgery, or therapy approved by FDA, NCI, or ACS. No lifetime maximum.<\/li>\n<li style=\"font-weight: inherit; font-style: inherit;\"><em><u>Surgery:<\/u><\/em>\u00a0Pays up to $3,000 for in-hospital surgery as scheduled in the policy. Pays up to $4,500 for outpatient surgery (including biopsies). No lifetime maximum.<\/li>\n<li style=\"font-weight: inherit; font-style: inherit;\"><u><em>Anesthesia:<\/em><\/u>\u00a025% of covered Surgery Benefit with no lifetime maximum. Diagnostic Tests:\u00a0 Pays up to $300 for in-hospital biopsies and $150 for other tests per Period of Hospital Confinement. For out-of-hospital, this plan will pay up to $300 for further diagnostic tests done within 30 days prior to a Period of Hospital Confinement (in lieu of in-hospital diagnostic tests). No lifetime maximum.<\/li>\n<li style=\"font-weight: inherit; font-style: inherit;\"><u><em>Reconstructive Surgery:<\/em><\/u>\u00a0 Charges (as scheduled in the policy) of up to $750 for reconstructive surgery within two years of cancer removal. Lifetime maximum for skin cancer is $500; other cancers have no lifetime maximum.<\/li>\n<\/ul>\n<p style=\"font-weight: inherit; font-style: inherit;\"><strong>Outpatient Benefits<\/strong><\/p>\n<ul style=\"font-weight: inherit; font-style: inherit;\">\n<li style=\"font-weight: inherit; font-style: inherit;\"><em><u>Physician:<\/u><\/em>\u00a0Pays $60 for one visit by your physician, other than the surgeon, on the day of outpatient surgery. No lifetime maximum.<\/li>\n<li style=\"font-weight: inherit; font-style: inherit;\"><u><em>Drugs, Medicines, Lab:<\/em><\/u>\u00a0 Pays $250 for drugs and tests related to outpatient surgery that are received within 30 days of outpatient surgery. No lifetime maximum.<\/li>\n<li style=\"font-weight: inherit; font-style: inherit;\"><em><u>2nd and 3rd Surgical Benefits:<\/u><\/em>\u00a0 Pays $150 each. No lifetime maximum.<\/li>\n<li style=\"font-weight: inherit; font-style: inherit;\"><u><em>Skin Cancer:<\/em><\/u>\u00a0 Pays $200 per removal, $400 per calendar year, for clinical diagnosis. Pathological diagnosis not required. With pathological diagnosis, all applicable benefits in policy schedule will be paid with no lifetime maximum with a pathological diagnosis.<\/li>\n<li style=\"font-weight: inherit; font-style: inherit;\"><u><em>Transportation:<\/em><\/u>\u00a0 When non-local hospital confinement (more than 50 miles from your residence) is required, the plan will pay (1) actual round-trip charges by common carrier, or private vehicle allowance of $.35 per mile (up to 700 miles) and (2) actual round-trip charges by common carrier for you or your spouse to accompany a child who is a covered person and requires non-local hospital confinement. Payable once per Period of Hospital Confinement. No lifetime maximum.<\/li>\n<li style=\"font-weight: inherit; font-style: inherit;\"><u><em>Family Member Lodging and Transportation:<\/em><\/u>\u00a0 When non-local hospital confinement is required, the plan will pay (1) charges no to exceed $40 per day at a motel, hotel, etc. for an adult member of your immediate family. The maximum benefit is $2,400 per Period of Hospital Confinement. And (2) actual round-trip charges by common carrier for same adult. No lifetime maximum.<\/li>\n<li style=\"font-weight: inherit; font-style: inherit;\"><u><em>Cancer Screening Wellness:<\/em><\/u>\u00a0 Pays $100 per calendar year for tests performed to determine whether cancer exists in a Covered Person. Diagnosis of cancer is not required for benefits to be payable. The benefit is not payable for any person during the first 30 days from the effective date of coverage. This benefit is limited to one payment per calendar year per covered person.<\/li>\n<\/ul>\n<p style=\"font-weight: inherit; font-style: inherit;\">This is a partial benefit list. For additional benefits, riders, and more information regarding the above benefits, please see the CancerSelect brochure.<\/p>\n<p style=\"font-weight: inherit; font-style: inherit;\"><strong>CancerSelect Rates:<\/strong><\/p>\n<p style=\"font-weight: inherit; font-style: inherit;\">Rates for New Enrollees effective March 1, 2007<\/p>\n<table width=\"100%\">\n<tbody>\n<tr>\n<td colspan=\"8\"><strong>$5,000 EACH for Radiation, Chemo, and Blood &amp; Plasma, $200 daily hospital benefit,\u00a0$100 Cancer Screening Benefit<\/strong><\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">Age 18 \u2013 59<\/p>\n<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">Age 60 \u2013 64<\/p>\n<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">Age 65 \u2013 69<\/p>\n<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">Age 70 \u2013 74<\/p>\n<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">Age 75 \u2013 79<\/p>\n<\/td>\n<td colspan=\"2\">\n<p style=\"font-weight: inherit; font-style: inherit;\">Age 80 -85<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>Individual<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">$19.70<\/p>\n<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">$19.70<\/p>\n<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">$49.65<\/p>\n<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">$53.80<\/p>\n<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">$57.20<\/p>\n<\/td>\n<td colspan=\"2\">\n<p style=\"font-weight: inherit; font-style: inherit;\">$60.80<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>Single Parent Family<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">$23.80<\/p>\n<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">$23.80<\/p>\n<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">$53.75<\/p>\n<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">$57.90<\/p>\n<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">$61.30<\/p>\n<\/td>\n<td colspan=\"2\">\n<p style=\"font-weight: inherit; font-style: inherit;\">$64.90<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>Two-Parent Family<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">$26.75<\/p>\n<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">$26.75<\/p>\n<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">$63.95<\/p>\n<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">$70.70<\/p>\n<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">$76.75<\/p>\n<\/td>\n<td colspan=\"2\">\n<p style=\"font-weight: inherit; font-style: inherit;\">$82.95<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>Family<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">$29.35<\/p>\n<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">$29.35<\/p>\n<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">$66.55<\/p>\n<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">$73.30<\/p>\n<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">$79.35<\/p>\n<\/td>\n<td colspan=\"2\">\n<p style=\"font-weight: inherit; font-style: inherit;\">$89.05<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td colspan=\"2\"><\/td>\n<\/tr>\n<tr>\n<td colspan=\"8\"><strong>$10,000 EACH for Radiation, Chemo, and Blood &amp; Plasma, $200 daily hospital benefit, $100 Cancer Screening Benefit<\/strong><\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">Age 18 \u2013 59<\/p>\n<\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td colspan=\"2\"><\/td>\n<\/tr>\n<tr>\n<td>Individual<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">$22.80<\/p>\n<\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td colspan=\"2\"><\/td>\n<\/tr>\n<tr>\n<td>Single Parent Family<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">$27.50<\/p>\n<\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td colspan=\"2\"><\/td>\n<\/tr>\n<tr>\n<td>Two-Parent Family<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">$30.65<\/p>\n<\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td colspan=\"2\"><\/td>\n<\/tr>\n<tr>\n<td>Family<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">$33.85<\/p>\n<\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td colspan=\"2\"><\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td colspan=\"2\"><\/td>\n<\/tr>\n<tr>\n<td colspan=\"8\"><strong>$15,000 EACH for Radiation, Chemo, and Blood &amp; Plasma, $200 daily hospital benefit, $100 Cancer Screening Benefit<\/strong><\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">Age 18 -59<\/p>\n<\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td colspan=\"2\"><\/td>\n<\/tr>\n<tr>\n<td>Individual<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">$25.90<\/p>\n<\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td colspan=\"2\"><\/td>\n<\/tr>\n<tr>\n<td>Single Parent Family<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">$31.20<\/p>\n<\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td colspan=\"2\"><\/td>\n<\/tr>\n<tr>\n<td>Two-Parent Family<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">$34.55<\/p>\n<\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td colspan=\"2\"><\/td>\n<\/tr>\n<tr>\n<td>Family<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">$38.35<\/p>\n<\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td colspan=\"2\"><\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td colspan=\"2\"><\/td>\n<\/tr>\n<tr>\n<td colspan=\"8\"><strong>You may add up to two additional $5,000 increments (for a total of $15,000 each) for Radiation, Chemotherapy, and Blood. Listed below is the monthly cost for each $5,000 increase<\/strong><\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">Age 60 \u2013 64<\/p>\n<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">Age 65 -69<\/p>\n<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">Age 70 \u2013 74<\/p>\n<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">Age 75 \u2013 79<\/p>\n<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">Age 80 \u2013 85<\/p>\n<\/td>\n<td colspan=\"2\"><\/td>\n<\/tr>\n<tr>\n<td>Individual<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">$3.10<\/p>\n<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">$7.50<\/p>\n<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">$7.50<\/p>\n<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">$7.20<\/p>\n<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">$6.40<\/p>\n<\/td>\n<td colspan=\"2\"><\/td>\n<\/tr>\n<tr>\n<td>Single-Parent Family<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">$3.70<\/p>\n<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">$8.10<\/p>\n<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">$8.10<\/p>\n<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">$7.80<\/p>\n<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">$7.00<\/p>\n<\/td>\n<td colspan=\"2\"><\/td>\n<\/tr>\n<tr>\n<td>Two-Parent Family<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">$3.90<\/p>\n<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">$9.40<\/p>\n<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">$9.80<\/p>\n<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">$9.60<\/p>\n<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">$9.00<\/p>\n<\/td>\n<td colspan=\"2\"><\/td>\n<\/tr>\n<tr>\n<td>Family<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">$4.50<\/p>\n<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">$10.00<\/p>\n<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">$10.40<\/p>\n<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">$10.20<\/p>\n<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">$9.60<\/p>\n<\/td>\n<td colspan=\"2\"><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n[\/vc_column_text][\/tab][tab icon_family=&#8221;none&#8221; title=&#8221;Accidental Death and Dismemberment (Metlife)&#8221; tab_id=&#8221;1775756399822-8&#8243; id=&#8221;1775756399820-0&#8243;][vc_column_text]\n<h1><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/www.metlife.com\/etc\/designs\/us\/_jcr_content\/global\/logo\/image.asset.spool\/MetLife.png\" alt=\"MetLife\" \/><\/h1>\n<h1 style=\"font-style: inherit; text-align: center;\">Accidental Death and Dismemberment<\/h1>\n<hr \/>\n<p style=\"font-weight: inherit; font-style: inherit; text-align: center;\">Metropolitan Life Insurance Company<br \/>\nNew York, NY<br \/>\n<b><a style=\"font-style: inherit;\" href=\"http:\/\/www.metlife.com\/\">www.metlife.com<\/a><\/b><\/p>\n<hr \/>\n<p style=\"font-weight: inherit; font-style: inherit;\">A group accidental death and dismemberment insurance plan which offers high level protection at a low premium is available to employees who desire to pay the full premium to supplement other coverage. You can select a Principal Amount based on your individual needs. The amount will be based on your annual salary or a flat dollar amount. The highest amount available is 10 times your basic annual earnings or $500,000, whichever is less. Employees may also cover their spouses and children for a percentage of the face amount of the coverage selected. Coverage is provided regardless of health history and provides broad 24-hour protection, year round. Voluntary Accidental Death and Dismemberment is offered through Metlife<\/p>\n<p style=\"font-weight: inherit; font-style: inherit;\"><strong>Voluntary Accidental Death and Dismemberment covers:<\/strong><\/p>\n<table width=\"100%\">\n<tbody>\n<tr>\n<td><strong>For The Loss Of<\/strong><\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\"><strong>The Amount Payable Is<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>Life<\/td>\n<td>Principal Amount<\/td>\n<\/tr>\n<tr>\n<td>Two or more members<\/td>\n<td>Principal Amount<\/td>\n<\/tr>\n<tr>\n<td>One member<\/td>\n<td>50% of Principal Amount<\/td>\n<\/tr>\n<tr>\n<td>Thumb and index finger on same hand<\/td>\n<td>25% of Principal Amount<\/td>\n<\/tr>\n<tr>\n<td>Hearing in both ears<\/td>\n<td>50% of Principal Amount<\/td>\n<\/tr>\n<tr>\n<td>Speech<\/td>\n<td>50% of Principal Amount<\/td>\n<\/tr>\n<tr>\n<td>Hearing in both ears and speech<\/td>\n<td>Principal Amount<\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td><strong>Covered losses also include:<\/strong><\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\"><strong>The Amount Payable Is<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>Quadriplegia<\/td>\n<td>Principal Amount<\/td>\n<\/tr>\n<tr>\n<td>Paraplegia<\/td>\n<td>50% of Principal Amount<\/td>\n<\/tr>\n<tr>\n<td>Hemiplegia<\/td>\n<td>50% of Principal Amount<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p style=\"font-weight: inherit; font-style: inherit;\">In addition to choosing coverage for yourself, VAD&amp;D offers you the opportunity to choose coverage for your family. Spouses and dependent children can receive VAD&amp;D, including the Seat Belt, Exposure and Hospitalization Benefits.<\/p>\n<p style=\"font-weight: inherit; font-style: inherit;\"><u><strong>Family Benefits include:<\/strong><\/u><\/p>\n<ul style=\"font-weight: inherit; font-style: inherit;\">\n<li style=\"font-weight: inherit; font-style: inherit;\">If you are married with children, your spouse may be covered for 40% of your Principal Amount and each child for 10% of your Principal Amount.<\/li>\n<li style=\"font-weight: inherit; font-style: inherit;\">If you are married without children, your spouse may be covered for 50% of your Principal Amount.<\/li>\n<li style=\"font-weight: inherit; font-style: inherit;\">If you do not have a spouse, your children may each be covered for 15% of your Principal Amount.<\/li>\n<li style=\"font-weight: inherit; font-style: inherit;\">If you and your spouse were to die in the same accident, your spouse\u2019s death benefit would be increased to 100% of your Principal Amount.<\/li>\n<\/ul>\n<p style=\"font-weight: inherit; font-style: inherit;\"><strong><u>Special Benefits:<\/u><\/strong><\/p>\n<ul style=\"font-weight: inherit; font-style: inherit;\">\n<li style=\"font-weight: inherit; font-style: inherit;\"><u>Seat Belt Benefit:<\/u>\u00a0Payable if you or a covered dependent should die from injuries sustained in an accident while driving or riding in a private passenger car and wearing a properly fastened seat belt. The benefit amount is an additional 10% of your Principal Amount, but not less than $1,000 or more than $25,000.<\/li>\n<li style=\"font-weight: inherit; font-style: inherit;\"><u>Hospitalization Benefit:<\/u>\u00a0Provides the patient with a monthly income to help defray hospitalization costs resulting from an accident. It is equal to 1% of your Principal Amount to a maximum of $2,500 per month, with a maximum during of 12 months.<\/li>\n<\/ul>\n<ul style=\"font-weight: inherit; font-style: inherit;\">\n<li><u>Child Care Center Benefit:<\/u>\u00a0Provides funds for each eligible dependent child, 12 years or younger, to attend a licensed child care facility for up to four consecutive years as long as the child is enrolled in a child care center at the time of your accidental death. The yearly benefit for each eligible child is equal to 3% of your Principal Amount or the actual amount of child care costs incurred, whichever is less, and cannot exceed $5,000 per year, per child. If none of your dependents qualifies, an additional benefit of $1,000 will be paid to your beneficiary.<\/li>\n<li><\/li>\n<li style=\"font-weight: inherit; font-style: inherit;\"><u>Child Education Benefit:<\/u>\u00a0Provides tuition funds for each eligible dependent child to attend college or another accredited institution for up to four years as long as the child is enrolled in the institution at the time of, or within one year following your accidental death. The yearly benefit for each eligible child is equal to 2% of your Principal Amount or the actual amount of tuition costs incurred, whichever is less. The benefit maximum is $5,000 per child. If none of your dependent children qualifies, an additional benefit of $1,000 will be paid to your beneficiary.<\/li>\n<li style=\"font-weight: inherit; font-style: inherit;\"><u>Spouse Education Benefit:<\/u>\u00a0Provides tuition funds if your spouse is enrolled in an accredited school at the time of your accidental death. The benefit is payable for up to one year and is equal to the actual cost of tuition or $5,000, whichever is less.<\/li>\n<li style=\"font-weight: inherit; font-style: inherit;\"><u>Common Disaster Benefit:<\/u>\u00a0Provides funds if you and yours spouse die within one year of sustaining bodily injuries in the same accident or separate accidents occurring within the same 24 hour period. The spouse\u2019s benefit amount will be increased to equal that of the employee\u2019s schedule of benefits.<\/li>\n<\/ul>\n<p style=\"font-weight: inherit; font-style: inherit; text-align: left;\"><strong>\u00a0VAD&amp;D Monthly Rates:<\/strong><\/p>\n<table width=\"200\">\n<tbody>\n<tr>\n<td><\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\"><strong>Per Thousand<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>Individual<\/td>\n<td>$.02<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\">Family<\/td>\n<td style=\"text-align: left;\">$.03<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n[\/vc_column_text][\/tab][tab icon_family=&#8221;none&#8221; title=&#8221;Accident Select II (Transamerica)&#8221; tab_id=&#8221;1775756399845-3&#8243; id=&#8221;1775756399843-9&#8243;][vc_column_text]<img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/www.transamerica.com\/system\/Images\/Transamerica_Logo_Horizontal_RGB_tcm90-53317.jpg\" alt=\"TA Logo\" \/><\/p>\n<h1 style=\"text-align: center;\">Accident Select II<\/h1>\n<hr \/>\n<p style=\"text-align: center;\">Transamerica Life Insurance Company<br \/>\nP.O. Box 8063<br \/>\nLittle Rock, AR 72203-8063<br \/>\n1-800-400-3042<br \/>\n1-888-763-7474<br \/>\nClaims Fax: 501-227-1651<\/p>\n<hr \/>\n<p>Accident Select II provides insureds with several benefits to assist with injuries associated with certain accidents. This product is offered through Transamerica.<\/p>\n<p><strong>Schedule of Benefits:<\/strong><\/p>\n<ul>\n<li style=\"font-weight: inherit; font-style: inherit;\"><u><em>Accident Specific Sum Injuries Benefit:<\/em><\/u>\u00a0Pays for dislocations, burns, ruptured discs and torn knee cartilage, eye injuries, lacerations, internal injuries, fractures, and blood and plasma.<strong>A.\u00a0<u>Dislocation<\/u><\/strong>\u00a0(Dislocations which are reduced under general anesthesia)<\/li>\n<\/ul>\n<table width=\"512\">\n<tbody>\n<tr>\n<td>1. Hip<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">Open Reduction<br \/>\nClosed Reduction<\/p>\n<\/td>\n<td>$4,000<br \/>\n$1,330<\/td>\n<\/tr>\n<tr>\n<td>2. Knee or Shoulder<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">Open Reduction<br \/>\nClosed Reduction<\/p>\n<\/td>\n<td>$1,330<br \/>\n$530<\/td>\n<\/tr>\n<tr>\n<td>3. Collar Bone<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">Open Reduction<br \/>\nClosed Reduction<\/p>\n<\/td>\n<td>$2,130<br \/>\n$400<\/td>\n<\/tr>\n<tr>\n<td>4. Ankle or Foot (excluding toes<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">Open Reduction<br \/>\nClosed Reduction<\/p>\n<\/td>\n<td>$1,330<br \/>\n$400<\/td>\n<\/tr>\n<tr>\n<td>5. Lower Jaw<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">Open Reduction<br \/>\nClosed Reduction<\/p>\n<\/td>\n<td>1,330<br \/>\n$665<\/td>\n<\/tr>\n<tr>\n<td>6. Wrist or Elbow<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">Open Reduction<br \/>\nClosed Reduction<\/p>\n<\/td>\n<td>$1,065<br \/>\n$530<\/td>\n<\/tr>\n<tr>\n<td>7. Toe or Finger<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">Open Reduction<br \/>\nClosed Reduction<\/p>\n<\/td>\n<td>$265<br \/>\n$130<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<ol>\n<li style=\"font-weight: inherit; font-style: inherit;\"><u><strong>Tendons and Ligaments:<\/strong><\/u>Must be torn, ruptured, or severed and must be treated by a physician within 72 hours after the Covered Accident and repaired through surgery within six months after the Covered Accident. If a covered person receives a fracture and\/or a dislocation and also tears, ruptures, or severs a tendon\/ligament in a Covered Accident, the Insurer will pay only one benefit. The Insurer will pay the largest of this benefit, the Fractures Benefit or the Dislocation Benefit.<\/li>\n<\/ol>\n<table width=\"512\">\n<tbody>\n<tr>\n<td>Repair of one<\/td>\n<td>$665<\/td>\n<\/tr>\n<tr>\n<td>Repair of all if more than one<\/td>\n<td>$1,330<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<table width=\"516\">\n<tbody>\n<tr>\n<td>1. Second-degree burns of a least 25%, but not more than 35% of body surface<\/td>\n<td>$530<\/td>\n<\/tr>\n<tr>\n<td>2. Second-degree burns of more than 35% of body surface<\/td>\n<td>$1,330<\/td>\n<\/tr>\n<tr>\n<td>3. Third-degree burns covering 6 through 9 square inches of body surface<\/td>\n<td>$1,065<\/td>\n<\/tr>\n<tr>\n<td>4. Third-degree burns covering 10 through 25 square of inches of body surface<\/td>\n<td>$2,665<\/td>\n<\/tr>\n<tr>\n<td>5. Third-degree burns covering more than 25 square inches of body surface<\/td>\n<td>$5,330<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<ol>\n<li style=\"font-weight: inherit; font-style: inherit;\"><strong><u>Ruptured Disc or Torn Knee Cartilage:<\/u><\/strong> Must be treated by a physician within 72 hours after the accident and repaired through surgery within one year after the Covered Accident.<\/li>\n<li style=\"font-weight: inherit; font-style: inherit;\"><strong><u>Eye Surgery<\/u><\/strong><\/li>\n<\/ol>\n<table width=\"534\">\n<tbody>\n<tr>\n<td>With Surgical Repair<\/td>\n<td>$265<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<ul style=\"font-weight: inherit; font-style: inherit;\">\n<li style=\"font-weight: inherit; font-style: inherit;\"><em><u>Accident Follow-up Treatment Benefit:<\/u><\/em>\u00a0Pays for additional treatment of injuries sustained in a Covered Accident over and above emergency treatment administered within 72 hours following the accident. This benefit is payable for up to a maximum of three treatments per Covered Person per Covered Accident. Such treatment must begin within 30 days of the Covered Accident or discharged from the hospital or extended care facility, and be within the six-month period following the Covered Accident or discharge. Pays $25 per visit.<\/li>\n<li style=\"font-weight: inherit; font-style: inherit;\"><u><em>Accident Emergency Treatment Benefit:<\/em><\/u>\u00a0Pays for emergency treatment for a Covered Accident, we will pay the amount shown in the Policy Schedule for treatment received. This benefit is payable for treatment by a physician, x-rays, or treatment received in a hospital emergency room. Treatment must be received within 72 hours of such accident. This benefit is payable once per Covered Accident.<\/li>\n<\/ul>\n<table width=\"518\">\n<tbody>\n<tr>\n<td>Insured and Spouse<\/td>\n<td>$150<\/td>\n<\/tr>\n<tr>\n<td>Children<\/td>\n<td>$105<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<ul style=\"font-weight: inherit; font-style: inherit;\">\n<li style=\"font-weight: inherit; font-style: inherit;\"><em><u>Initial Hospitalization for Injury Benefit:<\/u><\/em>\u00a0 When a Covered Person is confined for 24 hours or more for a covered accidental bodily injury, the Insurer will pay the benefit amount shown in the Policy Schedule. This benefit is payable only once per Hospital Confinement and only once for each Covered Person per calendar year. Benefit amount is $1,500.<\/li>\n<li style=\"font-weight: inherit; font-style: inherit;\"><u><em>Accident Hospital Income Benefit:<\/em><\/u>\u00a0Pays for hospital confinement for treatment of a Covered Accident, the Insurer will pay the daily amount shown in the Policy Schedule for each day of such confinement. Such confinement must start within 30 days of the accident. The Insurer will pay this benefit for up to 365 days per Covered accident.\u00a0 Benefit amount is $200 per day.<\/li>\n<li style=\"font-weight: inherit; font-style: inherit;\"><u><em>Ambulance Benefit:<\/em><\/u>\u00a0Pays for ambulance transportation to a hospital or emergency room. Ambulance transportation must be within 72 hours of the accident. Pays four times the Ambulance Benefit for transportation provided by an air ambulance. The hospital or emergency room must be within 100 miles of the site of the accident or residence of the Covered Person. Benefit is limited to one trip per Covered Accident per Covered Person.<br \/>\n<table width=\"440\">\n<tbody>\n<tr>\n<td>Ground Ambulance<\/td>\n<td>$150<\/td>\n<\/tr>\n<tr>\n<td>Air Ambulance<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">$600<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/li>\n<\/ul>\n<ul style=\"font-weight: inherit; font-style: inherit;\">\n<li style=\"font-weight: inherit; font-style: inherit;\"><u><em>Physical Therapy Benefit:<\/em><\/u>\u00a0Pays if a physician advises a Covered Person to seek treatment from a physical therapist. Physical therapy must be for injuries sustained in a Covered Accident and must start within 30 days of such accident or discharged from the hospital. Pays for one treatment per day up to six treatments per Covered Accident. The six treatments must take place within six months after the accident. Benefit amount is $75 per day.<\/li>\n<li style=\"font-weight: inherit; font-style: inherit;\"><u><em>Transportation Benefit:<\/em><\/u>\u00a0Pays for transportation to a hospital for special treatment and confinement for injuries sustained in a Covered Accident. This benefit is payable for the trip to the hospital. The local attending physician must prescribe the treatment, and the treatment must not be available locally. This benefit is not payable for transportation to any hospital located within a 100-mile radius of the site of the accident or residence of the Covered Person. This benefit is payable for up to three trips per calendar year per Covered Person. Benefit amount is $300.<\/li>\n<li style=\"font-weight: inherit; font-style: inherit;\"><u><em>Family Lodging Benefit:<\/em><\/u>\u00a0Pays for one motel or hotel room for a member (or members) of the immediate family to accompany the Covered Person for hospital confinement for the treatment of injuries. This benefit is payable only during the same period of time the injured Covered Person is confined to the hospital. Benefit is not payable for the trip to the hospital. The hospital and the motel or hotel must be more than 100 miles from the residence of the Covered Person. The local attending physician must prescribe the treatment. This benefit is payable for up to 30 days per Covered Accident. Benefit amount is $100 per day.<\/li>\n<li style=\"font-weight: inherit; font-style: inherit;\"><u><em>Wellness Benefit:<\/em><\/u>\u00a0After 12 months of paid premium for this benefit, the Insurer will pay for an Insured to undergo routine examinations or other preventive testing. Benefits include and are payable for: annual physical exams, mammograms, pap smears, immunizations, flexible sigmoidoscopy, Prostatic Specific Antigen, and blood screenings. This benefit is payable only once per 12-month period. Benefit amount is $60.<\/li>\n<li style=\"font-weight: inherit; font-style: inherit;\"><u><em>Accidental Death Benefit:<\/em><\/u>\u00a0 Death must occur as a result of a Covered Accident and must occur within 90 days of a Covered Accident.<\/li>\n<\/ul>\n<table width=\"492\">\n<tbody>\n<tr>\n<td><\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\"><strong><u>Insured<\/u><\/strong><\/p>\n<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\"><strong><u>Spouse<\/u><\/strong><\/p>\n<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\"><strong><u>Child<\/u><\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>Common-Carrier Accidents<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">$70,000<\/p>\n<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">$35,000<\/p>\n<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">$7,000<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">Motorized-Vehicle or Pedestrian Accidents<\/p>\n<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">$50,000<\/p>\n<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">$25,000<\/p>\n<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">$5,000<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">Other Accidents<\/p>\n<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">$30,000<\/p>\n<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">$15,000<\/p>\n<\/td>\n<td>\n<p style=\"font-weight: inherit; font-style: inherit;\">$3,000<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<ul style=\"font-weight: inherit; font-style: inherit;\">\n<li style=\"font-weight: inherit; font-style: inherit;\"><em><u>Accidental Dismemberment:<\/u><\/em>\u00a0Pays a percentage of the Accidental Death Benefit selected.<\/li>\n<\/ul>\n<table width=\"533\">\n<tbody>\n<tr>\n<td>Both arms and both legs<\/td>\n<td>100%<\/td>\n<\/tr>\n<tr>\n<td>Two arms\u00a0or two legs<\/td>\n<td>50%<\/td>\n<\/tr>\n<tr>\n<td>Two eyes, hands, or feet<\/td>\n<td>50%<\/td>\n<\/tr>\n<tr>\n<td>One eye, hand, foot, arm, or leg<\/td>\n<td>20%<\/td>\n<\/tr>\n<tr>\n<td>One or more fingers and\/or one or more toes<\/td>\n<td>5%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3 style=\"font-style: inherit;\"><strong>OPTIONAL DISABILITY BENEFITS:<\/strong><\/h3>\n<ul style=\"font-weight: inherit; font-style: inherit;\">\n<li style=\"font-weight: inherit; font-style: inherit;\"><em><strong>Off-the-job Accident Disability Benefit:<\/strong><\/em>\u00a0 This Rider only applies to the Insured employee (not a spouse or child), as shown in the Policy Schedule. A 1,000 monthly benefit is available.\n<ul style=\"font-weight: inherit; font-style: inherit;\">\n<li style=\"font-weight: inherit; font-style: inherit;\">1.\u00a0Full-time employee through age 69: If an Insured is totally disabled within 90 days of a covered off-the-job accident, pays the benefit selected beginning with the very first day of disability; will pay benefits for up to 12 months.<\/li>\n<li style=\"font-weight: inherit; font-style: inherit;\">2. Not Employed Full-time through age 69: If an Insured is unable to perform two or more Activities of Daily Living (ADLs) as certified by a physician, and direct personal assistance is required to perform such ADLs, within 90 days of a covered accident, benefits are payable for up to 12 months.<\/li>\n<li style=\"font-weight: inherit; font-style: inherit;\">3. Age 70 or above: If, as a result of a covered off-the-job accident, a covered person is hospital-confined, the Insurer will pay one-thirtieth of the benefit shown in the Policy Schedule times three for each day of confinement. Benefits are payable up to 12 months.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p style=\"font-weight: inherit; font-style: inherit;\">Accident\u00a0Select II Monthly Rates:<\/p>\n<table width=\"323\">\n<tbody>\n<tr>\n<td>Employee Only<\/td>\n<td>$22.49<\/td>\n<\/tr>\n<tr>\n<td>Employee and Children<\/td>\n<td>$35.09<\/td>\n<\/tr>\n<tr>\n<td>Employee and Spouse<\/td>\n<td>$33.64<\/td>\n<\/tr>\n<tr>\n<td>Employee and Family<\/td>\n<td>$46.24<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n[\/vc_column_text][\/tab][tab icon_family=&#8221;none&#8221; title=&#8221;Additional Insurances&#8221; id=&#8221;1775756399877-4&#8243; tab_id=&#8221;1775756399878-3&#8243;][vc_column_text]<span style=\"font-size: 14pt;\"><strong>Short &amp; Long Term Disability<\/strong><\/span> are available through New York Life, formerly Cigna. For information and the application see the links below:<\/p>\n<ul>\n<li><a href=\"https:\/\/www.deltastate.edu\/docs\/human_resources\/DSU-NY-Life-LTD-Benefit-Highlight-Sheet.pdf\">Long Term Disability Information<\/a><\/li>\n<li><a href=\"https:\/\/www.deltastate.edu\/docs\/human_resources\/DSU-NY-Life-STD-Benefit-Highlight-Sheet.pdf\">Short Term Disability Information<\/a><\/li>\n<li><a href=\"https:\/\/www.deltastate.edu\/docs\/human_resources\/DSU-NY-Life-Enrollment-Form.pdf\">Application for Coverage<\/a><\/li>\n<\/ul>\n<p>Completed Applications are returned to Human Resources.<\/p>\n<hr \/>\n[\/vc_column_text][vc_column_text]\n<table class=\" alignleft\" style=\"width: 31.0036%; border-collapse: collapse; border-style: none; height: 94px;\">\n<tbody>\n<tr>\n<td style=\"width: 50%;\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-177139 alignleft\" src=\"https:\/\/1000logos.net\/wp-content\/uploads\/2022\/12\/Aflac-logo-500x281.png\" alt=\"Aflac logo\" width=\"137\" height=\"77\" \/><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<table class=\" alignleft\">\n<tbody>\n<tr>\n<td><strong>James T Mitchell Jr<\/strong><br \/>\nAn Independent Associate Representing Aflac<br \/>\nP.O. Box 2132<br \/>\nMadison, MS 39130<br \/>\n<a href=\"mailto:j_mitchelljr@us.aflac.com\">j_mitchelljr@us.aflac.com<\/a><br \/>\nCell: 601-832-5788<br \/>\nFax: 601-790-7283<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p>Aflac offers a variety of insurance options including short-term disability, cancer, and accident policies. For more information regarding their options, rates, and to enroll in any insurances contact our representative above.<\/p>\n<p><strong>\u00a0<\/strong>[\/vc_column_text][\/tab][\/tabbed_section][\/vc_column][\/vc_row][vc_row type=&#8221;in_container&#8221; full_screen_row_position=&#8221;middle&#8221; column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; scene_position=&#8221;center&#8221; text_color=&#8221;dark&#8221; text_align=&#8221;left&#8221; row_border_radius=&#8221;none&#8221; row_border_radius_applies=&#8221;bg&#8221; overlay_strength=&#8221;0.3&#8243; gradient_direction=&#8221;left_to_right&#8221; shape_divider_position=&#8221;bottom&#8221; bg_image_animation=&#8221;none&#8221;][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_spacing=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][divider line_type=&#8221;Full Width Line&#8221; line_thickness=&#8221;1&#8243; divider_color=&#8221;default&#8221; custom_height=&#8221;20&#8243;][vc_column_text]\n<p align=\"center\">Send questions and comments regarding this site to Human Resources.<\/p>\n[\/vc_column_text][\/vc_column][\/vc_row]\n","protected":false},"excerpt":{"rendered":"<p>[vc_row type=&#8221;in_container&#8221; full_screen_row_position=&#8221;middle&#8221; column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; scene_position=&#8221;center&#8221; text_color=&#8221;dark&#8221; text_align=&#8221;left&#8221; row_border_radius=&#8221;none&#8221; row_border_radius_applies=&#8221;bg&#8221; overlay_strength=&#8221;0.3&#8243; gradient_direction=&#8221;left_to_right&#8221; shape_divider_position=&#8221;bottom&#8221; bg_image_animation=&#8221;none&#8221;][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_spacing=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221;&#8230;<\/p>\n","protected":false},"author":530,"featured_media":0,"parent":113,"menu_order":99,"comment_status":"closed","ping_status":"closed","template":"page-left-sidebar.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-284","page","type-page","status-publish"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.deltastate.edu\/human-resources\/wp-json\/wp\/v2\/pages\/284","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.deltastate.edu\/human-resources\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.deltastate.edu\/human-resources\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.deltastate.edu\/human-resources\/wp-json\/wp\/v2\/users\/530"}],"replies":[{"embeddable":true,"href":"https:\/\/www.deltastate.edu\/human-resources\/wp-json\/wp\/v2\/comments?post=284"}],"version-history":[{"count":11,"href":"https:\/\/www.deltastate.edu\/human-resources\/wp-json\/wp\/v2\/pages\/284\/revisions"}],"predecessor-version":[{"id":1423,"href":"https:\/\/www.deltastate.edu\/human-resources\/wp-json\/wp\/v2\/pages\/284\/revisions\/1423"}],"up":[{"embeddable":true,"href":"https:\/\/www.deltastate.edu\/human-resources\/wp-json\/wp\/v2\/pages\/113"}],"wp:attachment":[{"href":"https:\/\/www.deltastate.edu\/human-resources\/wp-json\/wp\/v2\/media?parent=284"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}