Basic Life Insurance & AD&D with Unum
Paid For by Fello
Fello recognizes the importance of planning for the unexpected. Life insurance helps protect your family from financial risk and sudden loss of income in the event of your death. Accidental Death & Dismemberment (AD&D) insurance provides an additional benefit if you lose your life, sight, hearing, speech or use of your limbs due to an accident.
Employee Basic Life and AD&D
Fello provides you with Basic Term Life insurance in the amount of 2x your basic earnings with overtime through Unum at no cost to you.
Employee benefits are reduced to 65% at age 65, reduced to 40% at age 70, and reduced to 25% at age 75.
You have one option for continuing your life coverage if you leave the company:
- Conversion allows you to convert the coverage to an individual policy if any or all of your life insurance ends while you are insured under the group plan.
Additional Voluntary Life and AD&D Insurance
Voluntary Term Life & AD&D Insurance allows employees to purchase additional life insurance coverage beyond the Basic Life insurance provided by Fello through convenient payroll deductions. Coverage includes Term Life Insurance and Accidental Death & Dismemberment (AD&D) Insurance. You may elect AD&D separately from Life coverage. Coverage is available to employees working at least 30 hours per week.
Employee Coverage: You may elect up to the lesser of 5x your annual earnings or $500,000 in increments of $10,000. The minimum benefit is $10,000. You may elect up to $150,000 without medical questions if you enroll when first eligible.
Spouse Coverage: You may elect up to $500,000 in increments of $5,000 for your spouse. Up to $30,000 is available without medical underwriting. You must be enrolled to elect spouse coverage.
Child(ren) Coverage: You may elect coverage from $2,000 to $10,000 in increments of $2,000 for dependent children up to age 19, or age 26 if a full-time student. You must be enrolled to elect child coverage.
Portability: You may be able to continue coverage if your employment ends, you retire, or your hours are reduced, subject to plan provisions.
Additional Features: Includes Accelerated Death Benefit, Waiver of Premium, and Life Planning & Financial Resources.
If you waive voluntary life insurance when you are first eligible, any amount elected after that will require Evidence of Insurability!
Voluntary Life/AD&D Weekly Contributions For Non-Exempt, Hourly Employees
Voluntary Life Insurance-below are the weekly deductions for Voluntary Life Insurance. The spouse rate is based on the employee’s age bracket. As employee’s move between age brackets, the premiums will increase at the policy renewal. One child election covers all children up to age 26.
How To Calculate Your Voluntary Life Premium
Benefit Amount / $1,000 x Age Rate = Monthly Premium
Monthly Premium x 12 / 26 = Per Pay Premium
$_____________ / $1,000 x_____________ = $_____________
Age Band | Employee & Spouse Rate |
|---|---|
<25 | $0.110 |
25−29 | $0.110 |
30−34 | $0.120 |
35−39 | $0.170 |
40−44 | $0.280 |
45−49 | $0.460 |
50−54 | $0.690 |
55−59 | $1.030 |
60−64 | $1.710 |
65−69 | $3.080 |
70−74 | $4.360 |
75> | $9.410 |
AD&D | $0.030 |
| Weekly Amount | |||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| Employee | Age | $10,000 | $20,000 | $30,000 | $40,000 | $50,000 | $60,000 | $70,000 | $80,000 | $90,000 | $100,000 |
| 0-29 | $0.32 | $0.65 | $0.97 | $1.29 | $1.62 | $1.94 | $2.26 | $2.58 | $2.91 | $3.23 | |
| 30-34 | $0.35 | $0.69 | $1.04 | $1.38 | $1.73 | $2.08 | $2.42 | $2.77 | $3.12 | $3.46 | |
| 35-39 | $0.46 | $0.92 | $1.38 | $1.85 | $2.31 | $2.77 | $3.23 | $3.69 | $4.15 | $4.62 | |
| 40-44 | $0.72 | $1.43 | $2.15 | $2.86 | $3.58 | $4.29 | $5.01 | $3.72 | $6.44 | $7.15 | |
| 45-49 | $1.13 | $2.26 | $3.39 | $4.52 | $5.56 | $6.78 | $7.92 | $9.05 | $10.18 | $11.31 | |
| 50-54 | $1.66 | $3.32 | $4.98 | $6.65 | $8.31 | $9.97 | $11.63 | $13.29 | $14.95 | $16.62 | |
| 55-59 | $2.45 | $4.89 | $7.34 | $9.78 | $12.23 | $14.86 | $17.12 | $19.57 | $22.02 | $24.46 | |
| 60-64 | $4.02 | $8.03 | $12.05 | $16.06 | $20.08 | $24.09 | $28.11 | $32.12 | $36.14 | $40.15 | |
| 65-69 | $7.18 | $14.35 | $21.53 | $28.71 | $35.88 | $43.06 | $50.24 | $57.42 | $64.59 | $71.77 | |
| 70-74 | $10.13 | $20.26 | $30.39 | $40.52 | $50.65 | $60.78 | $70.92 | $81.05 | $91.18 | $101.31 | |
| 75+ | $21.78 | $43.57 | $65.35 | $87.14 | $108.92 | $130.71 | $152.49 | $174.28 | $196.06 | $217.85 | |
| Spouse | Age | $5,000 | $10,000 | $15,000 | $20,000 | $25,000 | $30,000 | $35,000 | $40,000 | $45,000 | $50,000 |
| 0-29 | $0.16 | $0.32 | $0.48 | $0.65 | $0.81 | $0.97 | $1.13 | $1.29 | $1.45 | $1.62 | |
| 30-34 | $0.17 | $0.35 | $0.52 | $0.69 | $0.87 | $1.04 | $1.21 | $1.38 | $1.56 | $1.73 | |
| 35-39 | $0.23 | $0.46 | $0.69 | $0.92 | $1.15 | $1.38 | $1.62 | $1.85 | $2.08 | $2.31 | |
| 40-44 | $0.36 | $0.72 | $1.07 | $1.43 | $1.79 | $2.15 | $2.50 | $2.86 | $3.22 | $3.58 | |
| 45-49 | $0.57 | $1.13 | $1.70 | $2.26 | $2.83 | $3.39 | $3.96 | $4.52 | $5.09 | $5.65 | |
| 50-54 | $0.83 | $1.66 | $2.49 | $3.32 | $4.15 | $4.48 | $5.82 | $6.65 | $7.48 | $8.31 | |
| 55-59 | $1.22 | $2.45 | $3.67 | $4.89 | $6.12 | $7.34 | $8.56 | $9.78 | $11.01 | $12.23 | |
| 60-64 | $2.01 | $4.02 | $6.02 | $8.03 | $10.04 | $12.05 | $14.05 | $16.06 | $18.07 | $20.08 | |
| 65-69 | $3.59 | $7.18 | $10.77 | $14.35 | $17.94 | $21.53 | $26.12 | $28.71 | $32.30 | $35.88 | |
| Child | Age | $2,000 | $3,000 | $4,000 | $5,000 | $6,000 | $7,000 | $8,000 | $9,000 | $10,000 | |
| 0-29 | $0.11 | $0.16 | $0.21 | $0.27 | $0.32 | $0.37 | $0.42 | $0.48 | $0.53 | ||
Voluntary Life/AD&D Bi-Weekly Contributions For Exempt, Salaried Employees
Voluntary Life Insurance-below are the weekly deductions for Voluntary Life Insurance. The spouse rate is based on the employee’s age bracket. As employee’s move between age brackets, the premiums will increase at the policy renewal. One child election covers all children up to age 26.
How To Calculate Your Voluntary Life Premium
Benefit Amount / $1,000 x Age Rate = Monthly Premium
Monthly Premium x 12 / 26 = Per Pay Premium
$_____________ / $1,000 x_____________ = $_____________
Age Band | Employee & Spouse Rate |
|---|---|
<25 | $0.110 |
25−29 | $0.110 |
30−34 | $0.120 |
35−39 | $0.170 |
40−44 | $0.280 |
45−49 | $0.460 |
50−54 | $0.690 |
55−59 | $1.030 |
60−64 | $1.710 |
65−69 | $3.080 |
70−74 | $4.360 |
75> | $9.410 |
AD&D | $0.030 |
| Weekly Amount | |||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| Employee | Age | $10,000 | $20,000 | $30,000 | $40,000 | $50,000 | $60,000 | $70,000 | $80,000 | $90,000 | $100,000 |
| 0-29 | $0.65 | $1.29 | $1.94 | $2.58 | $3.23 | $3.88 | $4.52 | $5.17 | $5.82 | $6.46 | |
| 30-34 | $0.69 | $1.38 | $2.08 | $2.77 | $3.46 | $4.15 | $4.85 | $5.54 | $6.23 | $6.92 | |
| 35-39 | $0.92 | $1.85 | $2.77 | $3.69 | $4.62 | $5.54 | $6.46 | $7.38 | $8.31 | $9.23 | |
| 40-44 | $1.43 | $2.86 | $4.29 | $5.72 | $7.15 | $8.58 | $10.02 | $11.45 | $12.88 | $14.31 | |
| 45-49 | $2.26 | $4.52 | $6.78 | $9.05 | $11.31 | $13.57 | $15.83 | $18.09 | $20.35 | $22.62 | |
| 50-54 | $3.32 | $6.65 | $9.97 | $13.29 | $16.62 | $19.94 | $23.26 | $26.58 | $29.91 | $33.23 | |
| 55-59 | $4.89 | $9.78 | $14.68 | $19.57 | $24.46 | $29.35 | $34.25 | $39.14 | $44.03 | $48.92 | |
| 60-64 | $8.03 | $16.06 | $24.09 | $32.12 | $40.15 | $48.18 | $56.22 | $64.25 | $72.28 | $80.31 | |
| 65-69 | $14.35 | $28.71 | $43.06 | $57.42 | $71.77 | $86.12 | $100.48 | $114.83 | $129.18 | $143.54 | |
| 70-74 | $20.26 | $40.52 | $60.78 | $81.05 | $101.31 | $121.57 | $141.83 | $162.09 | $182.351 | $202.62 | |
| 75+ | $43.57 | $87.14 | $130.71 | $174.28 | $217.85 | $261.42 | $304.98 | $348.55 | $392.12 | $435.69 | |
| Spouse | Age | $5,000 | $10,000 | $15,000 | $20,000 | $25,000 | $30,000 | $35,000 | $40,000 | $45,000 | $50,000 |
| 0-29 | $0.32 | $0.65 | $0.97 | $1.29 | $1.62 | $1.94 | $2.26 | $2.58 | $2.91 | $3.23 | |
| 30-34 | $0.35 | $0.69 | $1.04 | $1.38 | $1.73 | $2.08 | $2.42 | $2.77 | $3.12 | $3.46 | |
| 35-39 | $0.46 | $0.92 | $1.38 | $1.85 | $2.31 | $2.77 | $3.23 | $3.69 | $4.15 | $4.62 | |
| 40-44 | $0.72 | $1.43 | $2.15 | $2.86 | $3.58 | $4.29 | $5.01 | $5.72 | $6.44 | $7.15 | |
| 45-49 | $1.13 | $2.26 | $3.39 | $4.52 | $5.65 | $6.78 | $7.92 | $9.05 | $10.18 | $11.31 | |
| 50-54 | $1.66 | $3.32 | $4.98 | $6.65 | $8.31 | $9.97 | $11.63 | $13.29 | $14.95 | $16.62 | |
| 55-59 | $2.45 | $4.89 | $7.34 | $9.78 | $12.23 | $14.68 | $17.12 | $19.57 | $22.02 | $24.46 | |
| 60-64 | $4.02 | $8.03 | $12.05 | $1606 | $20.08 | $24.09 | $28.11 | $32.12 | $36.14 | $40.15 | |
| 65-69 | $7.18 | $14.38 | $21.53 | $28.71 | $32.88 | $43.06 | $50.24 | $57.42 | $64.59 | $71.77 | |
| Child | Age | $2,000 | $3,000 | $4,000 | $5,000 | $6,000 | $7,000 | $8,000 | $9,000 | $10,000 | |
| 0-29 | $0.21 | $0.32 | $0.42 | $0.53 | $0.64 | $0.74 | $0.42 | $0.96 | $1.06 | ||
Disability Insurance with Unum
Fello understands that there may be times of illness or injury that prevent you from working for a period of time. In fact, statistics show that 1 out of every 4 persons in the U.S. workforce will suffer a disabling injury before retirement. Disability insurance provides financial protection in the
Voluntary Short-Term Disability (STD)
Short Term Disability Insurance provides partial income replacement if a covered illness or injury prevents you from working. Benefits may continue for up to 11 weeks while you remain disabled. This coverage can help pay for everyday expenses such as rent or mortgage payments, groceries, and medical costs. A Cesarean section benefit is also included, providing a minimum disability benefit period of eight weeks unless you return to work sooner.
Eligible employees may enroll in STD insurance at an additional cost. Coverage is offered through Unum.
Long-Term Disability (LTD) Paid for by Fello
Long Term Disability Insurance provides income replacement if a covered illness or injury prevents you from working for an extended period of time. This employerpaid coverage replaces 60% of your monthly income, up to a maximum benefit of $12,500, after a 90-day elimination period. Benefits may continue up to Social Security Normal Retirement Age while you remain disabled. This coverage can help pay for everyday expenses such as housing, groceries, transportation, and medical costs. Additional features include Employee Assistance Program services, Worldwide Emergency Travel Assistance, Survivor Benefits, Disability Plus Benefits, and Recovery Income Benefits.
Benefits | Voluntary Short-Term Disability | Long-Term Disability |
|---|---|---|
Elimination Period | 15th day accident or illness | 90 days |
Benefit Percentage | 60% | 60% |
Max Benefit Amount | $1,000 per week | $5,000 per month |
Benefit Duration | 11 weeks | SSNRA |
Disability Insurance with Unum
Weekly Contributions for Non-Exempt, Hourly Employees
The amounts are listed below on a weekly basis for non-exempt, hourly employees.
| Voluntary Short-Term Disability Weekly Employee Rates | |
|---|---|
| Age Band | Employee & Spouse Rate |
| <25 | $0.13 |
| 25–29 | $0.13 |
| 30–34 | $0.13 |
| 35–39 | $0.12 |
| 40–44 | $0.12 |
| 45–49 | $0.13 |
| 50–54 | $0.16 |
| 55–59 | $0.20 |
| 60–64 | $0.24 |
| 65–69 | $0.27 |
| 70< | $0.30 |
Bi-Weekly Contributions for Exempt, Salaried Employees
The amounts are listed below on a bi-weekly basis for exempt, salaried employees.
| Voluntary Short-Term Disability Weekly Employee Rates | |
|---|---|
| Age Band | Employee & Spouse Rate |
| <25 | $0.27 |
| 25–29 | $0.27 |
| 30–34 | $0.26 |
| 35–39 | $0.25 |
| 40–44 | $0.25 |
| 45–49 | $0.27 |
| 50–54 | $0.31 |
| 55–59 | $0.40 |
| 60–64 | $0.48 |
| 65–69 | $0.55 |
| 70< | $0.60 |
Unum Additional Rewards
Emergency Travel Support Services
- Worldwide Emergency Travel Assistance available when traveling 100 miles or more from home (domestic or international).
- 24/7 access to emergency support for employees and eligible family members with one phone call or the Assist America mobile app.
- Assistance includes medical referrals, prescription replacement, emergency medical evacuation, lost luggage help, and transportation for a family member if needed.
- Additional support includes passport replacement, care for unattended minors, and coordination during medical emergencies while traveling.
- Mobile app provides one-touch access, travel guides, embassy locations, and service information.
Hospital Indemnity with The Hartford
Intensive Financial Care for Hospital Admissions
The Hartford offers you a supplemental health plan that softens the financial impact of higher medical plan deductibles and other out-of-pocket costs associated with hospital admissions.
With The Hartford Hospital Indemnity, lump-sum benefits are paid directly to you if admitted to a hospital for a covered sickness or injury. These payments can be used for any purpose, such as meeting everyday expenses, whether medical or non-medical.
Maximum Flexibility
The Hartford Hospital Indemnity enables you to select features that best fit with your current medical plan, other supplemental health plans and budget.
Why The Hartford Hospital Indemnity?
Key features:
- Pays indemnity benefits directly to you whether or not charges are covered by your medical plan
- Reduces the financial burden of high deductibles and co-pays
New – Hospital Indemnity plans now include a Health Screening Benefit. Once per year, each covered person may receive $50 for completing a covered health screening. Covered health screenings include EKG, lipid panel, pap smear, mammography, colonoscopy, fasting blood glucose test, and more.
Did You Know?
The average cost for a hospital stay is $1,986 per day?
| Benefits | |
|---|---|
| First Day Hospital Confinement | $500 per day |
| Daily Hospital Confinement (day 2 forward) | $100 per day |
| Daily ICU Confinement (day 2 forward) | $200 per day |
| Dependent Age Limits | Child Birth to 26 years (26 if full time student) |
| Treatments Covered | Sickness and Injury |
| Pre-Existing Condition Limitation |
12 month look back period, 12 month exclusion period, Continuity of Coverage |
Hospital Indemnity, Critical Illness, Accident Contributions
Weekly Contributions for Non-Exempt, Hourly Employees
The amounts are listed below on a weekly basis for non-exempt, hourly employees.
| Critical Illnesses $10,000 Weekly Premium | ||||
|---|---|---|---|---|
| Age | Employee | Employee & Child(ren) | Employee & Spouse | Family |
| 18-24 | $0.48 | $0.83 | $0.72 | $1.12 |
| 25-29 | $0.58 | $0.89 | $0.87 | $1.23 |
| 30-34 | $0.65 | $0.90 | $0.96 | $1.26 |
| 35-39 | $0.84 | $1.06 | $1.26 | $1.51 |
| 40-44 | $1.21 | $1.06 | $1.26 | $1.51 |
| 45-49 | $1.89 | $2.07 | $2.85 | $3.06 |
| 50-54 | $2.64 | $2.81 | $4.02 | $4.21 |
| 55-59 | $3.64 | $3.81 | $5.57 | $5.76 |
| 60-64 | $5.25 | $5.41 | $8.06 | $8.25 |
| 65-69 | $7.41 | $7.57 | $11.34 | $11.53 |
| 70-74 | $5.14 | $5.22 | $7.87 | $8.00 |
| 75-79 | $6.87 | $6.95 | $10.50 | $10.60 |
| Critical Illnesses $20,000 Weekly Premium | ||||
|---|---|---|---|---|
| Age | Employee | Employee & Child(ren) | Employee & Spouse | Family |
| 18-24 | $0.95 | $1.30 | $1.41 | $1.84 |
| 25-29 | $1.16 | $1.47 | $1.74 | $2.10 |
| 30-34 | $1.30 | $1.54 | $1.93 | $2.22 |
| 35-39 | $1.69 | $1.90 | $2.52 | $2.76 |
| 40-44 | $2.43 | $2.61 | $3.62 | $3.83 |
| 45-49 | $3.79 | $3.96 | $5.71 | $5.91 |
| 50-54 | $5.29 | $5.45 | $8.03 | $8.22 |
| 55-59 | $7.29 | $7.45 | $11.15 | $11.34 |
| 60-64 | $10.50 | $10.66 | $16.12 | $16.31 |
| 65-69 | $7.89 | $14.97 | $22.68 | $22.87 |
| 70-74 | $10.28 | $10.36 | $15.74 | $15.83 |
| 75-79 | $13.73 | $13.81 | $20.98 | $21.07 |
| Coverage Details | Employee | Employee & Spouse | Employee & Child(ren) | Family |
|---|---|---|---|---|
|
The Hartford Hospital Indemnity |
$2.12 | $4.39 | $4.06 | $6.62 |
| The Hartford Accident | $1.86 | $2.93 | $3.07 | $4.84 |
Bi-Weekly Contributions for Exempt, Salaried Employees
The amounts are listed below on a bi-weekly basis for exempt, salaried employees.
| Critical Illnesses $10,000 Bi-Weekly Premium | ||||
|---|---|---|---|---|
| Age | Employee | Employee & Child(ren) | Employee & Spouse | Family |
| 18-24 | $0.96 | $1.65 | $1.44 | $2.25 |
| 25-29 | $1.16 | $1.79 | $1.74 | $2.50 |
| 30-34 | $1.29 | $1.76 | $1.93 | $2.51 |
| 35-39 | $1.69 | $2.12 | $2.52 | $3.01 |
| 40-44 | $2.42 | $2.79 | $3.62 | $4.05 |
| 45-49 | $3.79 | $4.14 | $5.71 | $6.12 |
| 50-54 | $5.29 | $5.62 | $8.03 | $8.42 |
| 55-59 | $7.29 | $7.62 | $11.15 | $11.53 |
| 60-64 | $10.50 | $10.82 | $16.12 | $16.50 |
| 65-69 | $14.81 | $15.13 | $22.68 | $23.06 |
| 70-74 | $10.28 | $10.44 | $15.74 | $15.93 |
| 75-79 | $13.73 | $13.90 | $21.00 | $21.17 |
| Critical Illnesses $20,000 Bi-Weekly Premium | ||||
|---|---|---|---|---|
| Age | Employee | Employee & Child(ren) | Employee & Spouse | Family |
| 18-24 | $1.91 | $2.60 | $2.87 | $3.68 |
| 25-29 | $2.32 | $2.95 | $3.47 | $4.20 |
| 30-34 | $1.29 | $3.08 | $3.85 | $4.44 |
| 35-39 | $3.38 | $3.81 | $5.03 | $5.53 |
| 40-44 | $4.85 | $2.61 | $7.24 | $7.67 |
| 45-49 | $7.58 | $7.93 | $11.42 | $11.82 |
| 50-54 | $5.29 | $10.57 | $16.06 | $16.45 |
| 55-59 | $14.58 | $14.91 | $22.29 | $22.68 |
| 60-64 | $21.00 | $21.32 | $32.24 | $32.61 |
| 65-69 | $29.63 | $29.94 | $45.37 | $45.74 |
| 70-74 | $20.55 | $20.71 | $31.48 | $31.67 |
| 75-79 | $27.47 | $27.63 | $41.93 | $42.15 |
| Coverage Details | Employee | Employee & Spouse | Employee & Child(ren) | Family |
|---|---|---|---|---|
|
The Hartford Hospital Indemnity |
$4.25 | $8.78 | $8.13 | $13.25 |
| The Hartford Accident | $3.72 | $5.86 | $6.14 | $9.69 |
Critical Illness with The Hartford
The Hartford Critical Illness Insurance
It takes a lot to beat a serious illness. Unfortunately, it can also cost a lot. When you or a family member suffers a serious illness such as a stroke or heart attack, Critical Illness Insurance can help with expenses that medical insurance doesn’t cover such as deductibles or out of pocket costs, or services such as experimental treatment. Critical Illness supplements your medical and your disability income insurance. The lump sum benefit is paid when you need it most, upon diagnosis, so you can rest assured that you will have funds to offset upcoming out of pocket costs, and that you’ll have the flexibility to elect treatments with less worry about the cost.
Employees have the opportunity to purchase this plan through a convenient payroll deduction. Contributions are made on a post-tax basis. Employees also have the option of portability.
New – Critical Illness plans now include a Health Screening Benefit. Once per year, each covered person may receive $50 for completing a covered health screening. Covered health screenings include EKG, lipid panel, pap smear, mammography, colonoscopy, fasting blood glucose test, and more.
| What Your Benefits Cover - Benefit Amounts | |
|---|---|
| Employee | Choose a lump sum benefit of $10,000–20,000 |
| Spouse/Domestic Partner Benefits | Choose a lump sum benefit of $5,000–10,000 |
| Child | $5,000 per child |
| What Your Benefits Cover | 1st Occurrence | 2nd Occurrence |
|---|---|---|
| Cancer | ||
| Invasive Cancer | 100% | |
| Carcinoma in Situ | 25% | |
| Benign Brain Tumor | 100% | |
| Vascular | ||
| Heart Attack | 100% | 100% |
| Stroke | 100% | 100% |
| Heart Failure | 100% | 100% |
| Aneurysm | 25% | 0% |
| Additional Conditions | ||
| Coma | 100% | 100% |
| Paralysis | 100% | N/A |
| Major Organ Transplant | 100% | 100% |
| Loss of Hearing | 100% | N/A |
| Loss of Speech | 100% | N/A |
| Loss of Vision | 100% | N/A |
| Bone Marrow Transplant | 25% | N/A |
Child - 300% of Coverage Amount
Accident with The Hartford
The Hartford Accident Insurance
Accidents happen every day. If you were injured from an accident, chances are you will have expenses that you were not anticipating. Accident Insurance can help you deal with those expenses. Benefit payments can help you with your medical deductibles and copays, and cover household expenses such as groceries, mortgage payments and childcare, which can begin to pile up if you have to take some time off from work.
Employees have the opportunity to purchase this plan through a convenient payroll deduction. Contributions are made on a post-tax basis. Employees also have the option of portability.
Accident plans include a Health Screening Benefit. Once per year, each covered person may receive $50 for completing a covered health screening. Covered health screenings include EKG, lipid panel, pap smear, mammography, colonoscopy, fasting blood glucose test, and more.
| Coverage Details | Benefits |
|---|---|
| Accidental Death & Dismemberment | |
| Employee | $10,000 |
| Spouse/Domestic Partner w/ Benefits | $5,000 |
| Child | $5,000 |
| Features | |
| Accident Emergency Room Treatment | $150 |
| Accident Follow-Up Visit | $75 |
| Air Ambulance | $900 |
| Ambulance | $300 |
| Appliance - wheelchair, brace, crutches, boot | $100 |
| Blood/Plasma/Platelets | $200 |
| Burns (2nd Degree/3rd Degree) | Schedule up to $10,000 |
| Coma | $10,000 |
| Concussions | $150 |
| Dislocations | Schedule up to $2,000 |
| Diagnostic Exam (Major) | $200 |
| Eye Injury | Schedule up to $400 |
| Fracture | Schedule up to $6,000 |
| Hospital Admission | $1,000 |
| Hospital Confinement | $200 per day |
| Hospital ICU Confinement | $400 per day |
| Urgent Care Facility Treatment | $75 |
| Joint Replacement | $2,000 |
| Laceration | Schedule up to $600 |
| Physical Therapy | $25/day |
| Tendon/Ligament/Rotator Cuff | Schedule up to $1,000 |
| X-Ray | $50 |
Legal Assistance Plan with Country Wide
Legal Assistance Plan
Fello offers a voluntary benefit designed to offer comprehensive legal coverage through Legal Resources nationwide services. Members choose their own law firm from experienced and highly rated Law Firm and Attorney Network and contact them directly when a legal need arises. Customer service is provided by award winning Certified Paralegals in our Member Services Department. Benefits will be payroll deducted on a pre-tax basis.
Legal Resources Offers:
- Family Law Matters.
- Will & Estate Matters.
- Elder Law Matters.
- Real Estate & Tenant/Landlord Matters.
- Consumer Protection Matters.
- Traffic & Criminal Matters.
- Civil Action & Defense Matters.
- Documents Preparation & Review.
| Services | Your Fees with Legal Resources |
|---|---|
| Unlimited Phone Consultations and Advice | NO CHARGE |
| Unlimited In-office Consultation | NO CHARGE |
| Courtroom Representation in District Court | NO CHARGE |
| Separation | NO CHARGE |
| Divorce, uncontested | NO CHARGE |
| Adoption, uncontested | NO CHARGE |
| Will Preparation and Related Documents | NO CHARGE |
| Living Wills | NO CHARGE |
| Unlimited Estate Advice as administrator | NO CHARGE |
| Specific Powers of Attorney | NO CHARGE |
| Cease and Desist Letter | NO CHARGE |
| Non-disclosure Agreement | NO CHARGE |
Weekly Contributions for Non-Exempt, Hourly Employees
The amounts are listed below on a weekly basis for non-exempt, hourly employees.
| Plan | Employee | Employee & Children | Employee & Spouse | Family |
|---|---|---|---|---|
| Legal | $4.62 | $4.62 | $4.62 | $4.62 |
Bi-Weekly Contributions for Exempt, Salaried Employees
The amounts are listed below on a bi-weekly basis for exempt, salaried employees.
| Plan | Employee | Employee & Children | Employee & Spouse | Family |
|---|---|---|---|---|
| Legal | $9.23 | $9.23 | $9.23 | $9.23 |