NAPUS members comprise a special fraternity of more than 42,000 other Postmasters, officers-in-charge and retired Postmasters.
A National Office staff of full-time professionals works to promote the interests of Postmasters and OICs.
For full information of the benefits and services available to NAPUS members, visit the NAPUS website.
At Last, Real Help For Identity Theft Victims
Up until now, there have been three basic ways to deal with the growing problem of Identity Theft: 1. Credit Monitoring (buy a service or do-it-yourself), 2. Insurance (get reimbursed for monetary losses after the fact), and 3. Caution (taking every prudent step possible to protect your identity). There is of course the most popular option in America – DO NOTHING! Maybe that’s why Identity Theft is the fastest growing crime in America today?
None of these options alone are very effective, and even in combination there’s no way to absolutely prevent ID Theft. Worst of all, none even begin to address the most serious problems victim’s face – the time and frustration of stopping ongoing fraud, and restoring ones good name and credit. Here’s why.
Insurance does nothing to prevent or solve the ongoing problems caused by identity theft. Insurance merely reimburses you for a portion of your losses. According to the FTC the average loss is only $500. Most insurance plans only cover losses above a deductible, usually $200 or more, so for most people there is very little to recover and a lot of extra time and paperwork required filing a claim. When you factor in the yearly premiums, this option becomes even less attractive.
Caution is the most effective of the three tools in the battle against ID Theft and Fraud. No matter how careful you are, a determined identity thief can find a way to get personal information. There are literally hundreds of ways, both legal and illegal, to get access to information about you and your personal information.
So, if there’s no foolproof way to avoid Identity Theft, what’s a person to do?
First let’s look at the most frequent consequence of Identity Theft – the loss of your good name and/or credit rating and the hundreds of hours of your personal time that can be spent trying to correct the problem, along with the emotional trauma involved.
Credit Monitoring is now provided by ID Theft Assist. This addition will help catch any new account activity by someone who has accessed your personal information.
Until the introduction of ID Theft Assist, you were on your own in dealing with these consequences. Sure, some Identity Theft Programs provided “ID Recovery Kits”, but most were little more than Do-It-Yourself manuals with instructions and sample form letters. It was a frustrating “trial and error” process, compounded by the inexperience of the victim and the emotional trauma of the situation.
With the introduction of ID Theft Assist there’s finally a better way to deal with the consequences of Identity Theft. With the cards stacked against you, the victim, only pro-active, dedicated professionals with extensive experience and worldwide resources can bring order to the chaos and restore your security. Here’s a thumbnail description of how the program works when you discover your identity has been compromised.
You simply call our toll free number to report the situation, and authorize us (the program providers - (Worldwide Assistance, Trans Union and Affinity Care) to act on your behalf to correct the problem.
COST: $85.00 per year Single or $95.00 per year Family
OR – Call Mass Benefits for an application – 703-256-7800
The program can do all of the following:
With one phone call ID Theft Assist brings order out of chaos by untangling the red tape and completing the arduous and time consuming tasks you would otherwise have to assume!
ID Theft Assist is truly a pro-active service, stepping into the victim’s shoes and doing everything he/she would otherwise have to do to correct the situation. It’s the first and only true third party assistance service for victims of identity theft that saves time, money and aggravation. This is what sets ID Theft Assist apart from every other product on the market today.
Tuition, books, rent, food, fun...health insurance?
With all the things you have to pay for in college, paying for health insurance is probably last on your list. But what's last on your list could be the first thing to put you at serious financial risk. Think about it - if you're currently without health insurance, just one knee injury could cost you up to $12,000*.
That's why Fortis Health created Student Select - health insurance for college students of all ages. If you are an undergraduate with nine or more credits or a full-time graduate student, and are attending an accredited college or university, you are eligible for Student Select, up to age 63.
Student Select is ideal if you find yourself in one of the following situations
Are you no longer eligible for coverage under your parents' health plan? Many health plans only cover you up to age 19-23, or they require you to have more college credit hours than Student Select.
Does your college or university require coverage but you find the college-sponsored plan inadequate? Many college or university plans offer "bare bones" benefits that may not be enough to give you financial security against large, unexpected expenses.
Do you attend school outside an HMO or PPO region? Restrictions on coverage outside HMO or PPO service areas may leave you with inadequate protection.
Is your current health coverage too expensive? Traditionally, individual major medical plans cost two or three times as much as Student Select. The cost to include a student on an employer's health plan as a dependent can also be very expensive.
* Based on an average 1997 Fortis Health Student Select Claim
Here's How Student Select Works
You choose the deductible that best meets your needs: $250, $500, $1000, $2500
Since this plan is not an HMO or PPO, you pick your doctors and hospitals.
If you change schools, take a semester off or have to leave school, Student Select travels with you. And, because Student Select is guaranteed renewable, you can keep your coverage for as long as it's needed, as long as you pay your premiums.
Benefits are paid as follows:
| FIRST | You pay your calendar year deductible. |
| SECOND |
Once your deductible is satisfied, Fortis pays 80% of the next $10,000 of covered expenses. |
| THEREAFTER | Fortis pays 100% of your remaining covered expenses up to $100,000 for each illness or injury. Your total plan maximum is $1 million. |
Plan Highlights
Up to
$1 million protection, $100,000 per illness or injury
Freedom to choose you own doctors and hospitals
Semi-private room and board
Office visits
Emergency care
Surgery
In-hospital and outpatient services
X-ray and laboratory services
Home health care
Ground or air ambulance service
Medical equipment and supplies
Intensive care
Medical evacuation benefit
Money Back Guarantee!
If you are not 100 percent satisfied with the plan, you may return the contract within 10 days of delivery for a full refund. No questions asked!
Click here to enroll online - www.assuranthealth.com.
The issue of Long-Term Care is one that may affect almost all of us in one
way or another. The costs associated with nursing home and home health care
continue to escalate. Traditional sources of health coverage such as FEHB
and Medicare cover few long-term care expenses.
Even though Congress has passed legislation that provides long-term coverage to federal employees, the insurance plan sponsored by NAPUS may provide more comprehensive coverage at a lower cost, and can cover parents and children of NAPUS members as well as employees and their spouses.
Complete the following
proposal request form to get a personalized rate and benefit illustration.
BENEFITS ARE AVAILABLE REGARDLESS OF THE TYPE OF CARE YOU NEED:
Home Health Care: Home nursing care by an RN, LPN or LVN, or services provided by home health aids who are certified or employed through qualified home health agencies, physical, respiratory, occupational, or speech therapy, and nutritional counseling, by or under the supervision of qualified home health agency.
Adult Day Care Services: Coverage is provided for licensed facilities with planned daytime activities to relieve the primary caregiver.
Informal Care: This includes help with everyday activities, personal supervision from a skilled or unskilled provider if you are cognitively impaired, and certain services to maintain the home environment.
Assisted Living Facilities/Nursing Home Care: Coverage is provided in qualified assisted living facilities or nursing home.
Nursing Home Care: Coverage
is provided for all levels of nursing home care including skilled, intermediate
and custodial nursing care.
To obtain a proposal (rate quote and benefit outline), complete the information below:
Name:______________________________
Street:______________________________
City, St, Zip__________________________
Sex:_________ NAPUS
Date of Birth:________________________
Spouse Date of Birth:__________________
Daytime Phone: (______) _____________
Evening Phone: (______)_____________
Mail your request to:
Mass Benefits Consultants,
Inc.
P.O. Box 828
Annandale, VA 22003-0828
OR
E-mail your request to:
mbc@massbenefits.com
SUPPLEMENTAL RETIREMENT PLAN
Click here to open the Enrollment Form
The
NAPUS Supplemental Health Insurance
Plan (SHIP) Underwritten
by: New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010 SHIP PLAN BENEFITS HOSPITAL
INDEMNITY BENEFITS*: $75
(Red Plan), $150 (White Plan), or $225 (Blue Plan) as per plan selected
by Insured. INTENSIVE CARE BENEFIT*: $75 (Red Plan), $150
(White Plan), or $225 (Blue Plan) as per plan selected by Insured. AT HOME RECUPERATION* $50 (Red Plan), $100
(White Plan), or $150 (Blue Plan) as per plan selected by Insured. Benefit
equal to the number of days of hospital confinement. Benefits are paid
directly to you - in addition to any other medical benefits you may have. PRE-ADMISSION
TESTING*: $75
(Red Plan), $150 (White Plan), or $225 (Blue Plan) as per plan selected
by Insured. $150 (Red Plan), $300
(White Plan), or $450 (Blue Plan) benefit per session - coverage as per
plan selected by Insured. $75 (Red Plan), $150
(White Plan), or $225 (Blue Plan) as selected by Insured - one benefit
payment per accident. Not available to residents
of: DE, FL, IN, KY, ME, MN, MS, NC, NH, NY, OR, TN, TX, VT, WA. Coverage
terminates for employees and dependents when employee reaches attained age
70. COVERAGE IS GUARANTEED You
are guaranteed to be accepted when you enroll in SHIP no matter what
the condition of your health is. You will NOT be required to take a
physical exam or answer a health questionnaire. As a government employee,
under age 70 and enrolled in a Federal Employee Health Benefit Plan
(FEHB), you are eligible and qualify to enroll for SHIP benefits. PREMIUM CALCULATION All
premiums are based on the member's age at issue and at renewal and is
determined on the immediately preceding December 31, except that if
a person's birthday is December 31, then age is determined as of that
day. Rates increase as the member attains a new age bracket. Premium
rates shown are current and may be changed by New York Life on any premium
due date and on any date on which benefits are changed. Benefits are
subject to change by agreement between New York Life and the policyholder.
Monthly, Quarterly, Semi-Annual and Annual billing available - see following
rate charts. WHEN COVERAGE Insurance
on you and your eligible dependents will take effect on the first of
the month following the date your enrollment form is received and approved
by New York Life, provided the initial premium deposit for insurance
is paid for monthly Check Service or Quarterly Direct Bill, or the first
day of the pay period following the date the first deduction is received
for Bi-Weekly Direct Deposit. You and any person to be insured must
be performing the normal activities of a person in good health of like
age and sex on the later of the date of approval and the premium is
paid. Additional Dependents may be Generally
you must apply for coverage for new dependents. But there is an important
exception: If you have any dependent hospital indemnity insurance in
force, newborn children are automatically covered from birth for 31
days. This coverage will be continued if there is medical insurance
in force on other dependent children. You must inform the SHIP Administrator
in writing of the child's name and date of birth. If there is no dependent
coverage, you must notify the SHIP Administrator within 31 days and
remit the extra premium needed. WHEN COVERAGE ENDS You
may continue your coverage as long as you: remain a member; pay your
premiums when due; don't enter in the armed forces for more than 30
days of active duty; are under age 70; or, the Master Policy is not
terminated or modified to end your coverage. Dependent coverage ends
when they are no longer eligible or when your coverage ends. Definition:
Pre-Existing Condition Conditions
for which an individual consulted a doctor or received any medical services
or supplies, or took any medical, during the 12 months prior to their
effective date of coverage won't be covered until after: 12 consecutive
months have elapsed while insured and during which no treatment, care
or advice was received for that condition; or, if earlier, 24 consecutive
months of coverage under the plan. Definition:
Hospital A
"hospital" is a licensed institution primarily engaged in providing
in-patient medical services. It must have permanent facilities for
diagnosis and surgery, 24-hour nursing by registered nurses and continuous
supervision by one or more doctors. It does not include a convalescent
home, nursing home, rest home, an extended care facility or a place
for the aged. PLAN EXCLUSIONS: Benefits
provided only for confinements, which begin while insured for which
a room and board charge is made, and which are recommended by a doctor
as medically necessary to treat a sickness or accident. Benefits are
not provided for confinements caused by, resulting from or contributed
to by: intentionally self-inflicted injury, while sane or insane (Missouri
while sane); treatment of nervous or mental condition, alcoholism or
drug addiction; injuries resulting from active military service; dental
care, except as a result of injury to sound natural teeth; well-baby
care of a newborn dependent child; treatment or service rendered in
any Hospital or Convalescent Facility owned or operated by the Government
where, in the absence of insurance, there is no legal obligation to
pay (Exclusions may differ in your state. See your Certificate of Insurance
for details); declared or undeclared war or any act of war; pregnancy
(except Complication of Pregnancy, as defined in your certificate of
insurance); expenses incurred or care received outside of the United
States; participating in a crime, illegal activity; or a pre-existing
condition as defined below. ENROLLMENT IS EASY..... You
can give your family the extra protection of SHIP in minutes....... 1.
Complete the Enrollment Form. 2.
Make sure you check which coverage options you want. 3.
Choose your payment option - 4.
Mail the application and payment to: Mass
Benefits Consultants, Inc. YOUR PERSONAL GUARANTEE OF SATISFACTION After
your Enrollment Form has been accepted, you will receive a Certificate of
Insurance describing the Plan's benefits in detail. If you decide, for any reason,
that you do not want to continue coverage, return the Certificate within 30
days. You'll get a full refund, with no questions or obligations. YOUR PLAN ADMINISTRATOR Mass
Benefits Consultants, Inc. (MBC) remains the administrator of the SHIP Plan
and has been the NAPUS broker/administrator for 30 years. ANY QUESTIONS REGARDING THE SHIP PLAN? CALL TOLL-FREE 1-800-221-3083 OR e-mail mbc@massbenefits.com --------------------------------------------------------------------------------- Although
every attempt has been made to verify the accuracy of the information contained
on this website, errors and omissions may occur. This information is a brief
description of important features of the SHIP Hospital Indemnity Plan. It
is not a contract. Terms and conditions of coverage are set forth in group
policy number G-29162-0, on policy form GMR issued to the Government Employees
Voluntary Benefit Trust (GEVBT).
Daily benefits payable for:
Employee, Spouse or Child(ren)
Maximum Benefit Period: 365 days
Daily Benefit
(after hospital confinement)
OUT-PATIENT SURGERY*
ACCIDENT BENEFIT*:
*No Waiting (Elimination) Period except for Pre-Existing Conditions (see
"Definition: Pre-Existing Condition" below).
RED PLAN
BI-WEEKLY RATES
WHITE PLAN
BI-WEEKLY RATES
BLUE PLAN
BI-WEEKLY PLANS
Insured's
Attained Age
MEMBER
ONLY
MEMBER
PLUS 1
MEMBER
PLUS 2 OR
MORE
MEMBER
ONLY
MEMBER
PLUS 1
MEMBER
PLUS 2 OR
MORE
MEMBER
ONLY
MEMBER
PLUS 1
MEMBER
PLUS 2 OR
MORE
Under 30
3.00
6.00
9.00
6.00
12.00
18.00
9.00
18.00
27.00
30-39
3.00
7.00
10.00
6.00
14.00
20.00
9.00
21.00
30.00
40-49
5.00
9.00
13.00
10.00
18.00
26.00
15.00
27.00
39.00
50-59
7.00
14.00
17.00
14.00
28.00
34.00
21.00
42.00
51.00
60-64
9.00
18.00
21.00
18.00
36.00
42.00
27.00
54.00
63.00
65-69
12.00
24.00
26.00
24.00
48.00
52.00
36.00
62.00
78.00
BECOMES EFFECTIVE
automatically covered:
(Monthly, Quarterly, Semi-Annual and Annual rate charts are linked below.)
P.O. Box 828
Annandale, VA 22003-0828
NAPUS HIGH-LIMIT ACCIDENTAL DEATH AND DISMEMBERMENT PLAN
Accidents can happen to anyone at any time. No one can foresee when one will occur, but now you can plan against the severe financial loss such a tragedy could bring to you and members of your family.
During the current enrollment period, you may enroll individually or include your spouse and dependent children.
A brief description of the benefits, premium rates and an enrollment form follow. Take this opportunity today to enroll in this important plan to protect yourself and your family's future.
$25,000 to $250,000 - Choose the protection you want........
This Accidental Death and Dismemberment Plan is offered to you, your spouse and dependent children at reasonable, group rates because you are a member of the National Association of Postmasters of the United States. These benefits are payable for death or dismemberment due to accidents that occur anywhere in the world.
You Are Eligible for up to $250,000 of Coverage
All members under age 70
who are actively at work are eligible for this plan. You select the protection
you want, from $25,000 to $250,000.
You May Select Individual
Coverage or Include Your Spouse
and Dependents in this Plan...
You can include your spouse (husband or wife to age 70) and all dependent, unmarried children to 19 years of age (25 if a full-time student). It costs you much less than similar individual coverage alone. If you select the Family Plan, the benefits are:
A) If you have a spouse only, he or she is covered for 50% of the member's full benefit amount.
B) If you have a spouse and children -
a) Your spouse is insured for 40% of the member's full benefit amount.
b) Each unmarried child under 19 (25 if full-time student) is insured for 10% of the member's full benefit amount.
c) If only member and child(ren) are insured, each unmarried child under 19 (25 if full-time student) is insured for 15% of the member's full benefit amount.
You Are Paid the Benefits Shown Below....
When injuries caused by an accident result in death or dismemberment, within 90 days of an accident, the Accidental Death & Dismemberment Plan pays these benefits.
For loss of:*
| Life | Full Benefit Amount | |
| Both hands or both
feet or sight of both eyes |
Full Benefit Amount | |
| Any combination of
foot, hand or sight of one eye |
Full Benefit Amount | |
| Either hand or foot | One-Half the Full Benefit Amount |
|
| Sight of one eye | One-Half the Full Benefit Amount |
* Loss means: with reference
to hands and feet, actual severance through or above
wrist or ankle joints; with reference to sight, entire and irrecoverable loss
of sight which
cannot be restored by surgical or other means.
You Also Receive These Important Benefits
SEAT BELT BENEFIT
If the insured suffers loss of life as a result of a covered automobile accident,
and was wearing a properly fastened safety belt at the time of the accident,
and death occurs within 90 days of the date of the accident, the benefit amount
payable will be the lesser of 50% of the full benefit amount or $50,000.
EDUCATION BENEFIT
If you select Family Plan coverage and lose your life as a result of a covered
accident, this benefit will provide educational assistance to your surviving
dependent children who are under 25 years of age and enrolled as full-time students
in an institution of higher learning at the time of your death. The amount of
the education benefit will equal the lesser of 1% of the inured member's full
benefit amount or $2,500. The education benefit will be paid until the earlier
of 4 consecutive years form the date the member dies or the date the dependent
child ceases to be enrolled as a full-time student at an institution of higher
learning.
EXPOSURE AND DISAPPEARANCE
BENEFITS
If death occurs as a result of exposure to the elements due to an accident,
the death benefit will be paid if: such exposure could not be avoided; and the
accident brought a forced landing, stranding, sinking or damaging of a transport
on which such persons covered under this policy; and such exposure caused a
loss covered by this policy.
If an insured person disappears due to an accident, benefits will be paid for loss of life if: the transport in which such person was riding disappears or sinks and the insured's body was not found within 52 weeks after such accident, or a court declares the person to be presumed dead due to a covered injury.
Enroll Now at Reasonable Rates
1. Select the total amount of coverage you want from the table below.
2. Fill out the enrollment form.
3. Mail the enrollment form and first annual payment to:
Mass Benefits Consultants, Inc.
P.O. Box 828
Annandale, VA 22003-0828
|
Annual Cost:
|
||
| Principal Sum | Member Only | Member & Family |
| $250,000 | $177.00 | $239.50 |
| $200,000 | $142.00 | $192.00 |
| $150,000 | $107.00 | $144.50 |
| $100,000 | $ 72.00 | $ 97.00 |
| $ 50,000 | $ 37.00 | $ 49.50 |
| $ 25,000 | $ 19.50 | $ 25.75 |
The above costs include a $2.00 billing fee.
Coverage greater than $50,000 will reduce to $50,000 at Age 70.
Coverage terminates at age 75.
Important Coverage Information
EFFECTIVE DATE AND TERMINATION
Your coverage goes into effect on the first day of the month following receipt
of your enrollment form and the first annual premium payment. Members must be
actively at work the date insurance is to take effect. If not, insurance will
take effect when the member resumes work. Dependent must not be hospitalized
on the date insurance is to take effect. If hospitalized, insurance will take
effect on the day after being discharged.
Your policy continues in effect, up to age 75, unless you cease to be a NAPUS member, fail to pay premiums when due, cease to be actively at work (unless retired), or the group policy is terminated.
EXCLUSIONS
No benefits will be paid for any loss that results from or is caused directly,
indirectly, wholly or partly by:
1. suicide; or intentionally self-inflicted injury;
2. insurrection; war or act of war;
3. a physical or mental sickness, or treatment of that sickness;
4. voluntary intake of poison, drugs, gas or fumes, unless taken as prescribed
by a physician;
5. committing a crime, or an attempt to do so;
6. being intoxicated or under the influence of any drug, unless prescribed by
a physician;
7. flight in any type of aircraft. This item applies only to:
This is a brief summary of benefits only and is subject to the terms, conditions and limitations of Group Policy No. G-205,867. Complete details can be found in the Certificate of Insurance, which will be sent to you when your application is approved.
Administered by:
Mass Benefits Consultants, Inc.
P.O. Box 828
Annandale, VA 22003-0828
(800) 221-3083
E-Mail address: mbc@massbenefits.com
Serving NAPUS members' insurance needs for over 30 years.
Underwritten by:
The United States Life Insurance Company
in the City of New York
3600 Route 66
P.O. Box 1580
Neptune, NJ 00754-1580
United States Life is an
A+ (Superior) by A.M. Best, reflecting the company's superior overall financial
strength and operating performance when compared to A.M. Best's standards.
Although every attempt has been made to verify the accuracy of the information contained on this website, errors and omissions may occur. You will receive a certificate of insurance describing the exact coverage and benefits purchased. This website explains the general purposes of the insurance described, but in no way changes or affects the insurance afforded under the group insurance policy actually issued. All coverage is subject to the actual policy conditions and exclusions
Members of NAPUS and their spouses can apply for as much as $300,000 of Term Life Insurance at affordable group rates:
Why Term Life Insurance:
We can sum it up in one word - cost. Term Life offers a considerable advantage over permanent life insurance because term policies provide pure protection at a lower cost during the time your growing family needs it.
Your NAPUS Group Term Life Insurance Plan combines economical group rates with high-limit protection. There are no extras such as cash loans or retirement income value to increase the cost. This is truly a no-frills group plan offering you one of the best life insurance values available.
Apply now and erase the worry and concern for your loved ones' financial future. You will have provided them with a no-nonsense, affordable, term life insurance plan.
Who Can Apply?
Any NAPUS member, under the age of 60, who is actively at work can apply. A
member must be actively at work on a full-time basis on the date his/her insurance
is to take effect. If he/she is not, such insurance will take effect on the
day the person resumes such work. There are absolutely no restrictions based
on grade level or length of service.
You can also apply for coverage for your spouse and dependent children. Dependents must be able to perform the normal activities of a person of like age, sex or retired status on the date the insurance is to take effect. If not, the insurance will take effect on the day the insured resumes such activities.
Affordable group rates.
The buying power of your NAPUS membership makes this insurance affordable. (You
choose how much protection you need.)
Volume discount.
A volume discount of 10% will be applied to members and/or spouses purchasing
six or more units of insurance ($150,000 or more).
Coverage even if you retire.
As long as you remain a member of NAPUS, you may keep your insurance.
Renewable to age 75.
As long as you make your payments on time, remain a member of NAPUS, and the
master policy is in force, you can keep renewing your insurance. No more medical
questions will be asked after your application is approved. (Benefits are reduced
by 50% at age 70; benefits are terminated upon a member's attainment of age
75.)
Conversion privileges.
If your insurance ends for a reason other than non-payment of premium before
age 75, you may buy an individual policy of permanent life insurance (other
than term) from United States Life during the conversion period without further
evidence of insurability.
All applications for conversion must be made within 31 days after the date the individual becomes entitled to exercise the conversion privilege.
Waiver of Premium.
If an insured member becomes totally disabled prior to age 60, all premiums
after six months of continuous disability will be waived and the insurance will
continue in effect.
An Accelerated Death Benefit.
This attractive benefits provision is available to members under the age of
70. If you are terminally ill, as defined by the policy, you make elect to receive
an amount up to 50% (less the discount) of your group life insurance benefit.
The remaining benefit then becomes payable to your beneficiary after your death.
Terminal illness is a medical condition which is expected to result in the insured person's death within 6 months and from which the insured person is not expected to recover. You are eligible for this benefit after a waiting period of 180 consecutive days. Living benefits are subject to certain exclusions which are listed in the Certificate of Insurance. Receipt of living benefits may be taxable. Consult your tax advisor for details. A physician's certification will be required and will be subject to United States Life's review and concurrence.
Term Life
Rates
Semi-Annual (Per $25,000 Unit Coverage)
(Member or Spouse)
| AGE | PREFERRED1 | STANDARD2 |
| Under 30 | $9.00 | $14.00 |
| 30-34 | 12.00 | 19.00 |
| 35-39 | 15.00 | 25.00 |
| 40-44 | 21.00 | 36.00 |
| 45-49 | 31.00 | 56.00 |
| 50-54 | 48.00 | 87.00 |
| 55-59 | 74.00 | 135.00 |
| 60-64* | 134.00 | 215.00 |
| 65-74 | 175.00 | 273.00 |
| CHILDREN: | $1.25 | $2,500 coverage |
| $2.50 | $5,000 coverage |
* 60+ rates are for renewal
only. Upon attainment of age 70, benefits will reduce 50%.
Coverage terminates at age 75.
1 Preferred rates are for
non-tobacco users.
2 Standard rates are for tobacco users.
Notes:
How do I apply?
1. Print and fill out the application. Be sure to sign and date the application/medical
authorization form.
2. Use the table (above)
to decide on coverage and to figure the amount of your payment.
Check the amount of coverage you desire on the application.
3. Mail the signed form and check for your first semi-annual payment to:
Mass Benefits Consultants, Inc.
NAPUS Administrator
P.O. Box 828
Annandale, VA 22003-0828
4. Your insurance will become
effective on the first day of the month after your
application is approved and the required premium is paid.
All dependent children
(regardless of how many) may be insured for one payment of $1.25 per $2,500
unit of coverage - maximum of two units for each child over 14 days and under
age 21 (to age 25 if a full-time student).
Effective Date
Coverage becomes effective on the first day of the month coinciding with, or
immediately following, the date a completed application and any evidence of
insurability required is determined to be satisfactory by United States Life,
and the full premium for the insurance is received.
Benefits and Exclusions
United States Life will pay the amount of your insurance to your beneficiary
if you die from any cause anywhere in the world. The only exclusions are for
misrepresentation of facts on your application and for suicide in the first
two years of the policy. United States Life will pay your beneficiary either
in a lump sum or as installments with interest. They will pay your beneficiary
directly, thus avoiding the delays of probating your will.
Important Notice About
The Medical Information Bureau
Information given in your application may be made available to other insurance
companies to which you make application for life or health insurance coverage
or to which a claim is submitted.
Information regarding your insurability will be treated as confidential except that The United States Life Insurance Company in the City of New York may, however, make a brief report thereon to the Medical Information Bureau, a non-profit membership organization of life insurance companies which operates an information exchange on behalf of its members. Upon request by another member insurance company to which you have applied for life or health insurance coverage or to which a claim is submitted, the Medical Information Bureau will supply such company with the information it may have in its files.
Upon receipt of a request from you, the Bureau will arrange disclosure of any information it may have in your file. If you question the accuracy of the information in the Bureau's file, you may contact the Bureau and seek a correction in accordance with the procedures set forth in the Federal Fair Credit Reporting Act. The address of the Bureau's information office is Post Office Box 105, Essex Station, Boston, Massachusetts 02112, telephone number (617) 426-3660.
The United States Life Insurance Company in the City of New York may also release information in its file to other life insurance companies to whom you may apply for life or health insurance or to whom a claim for benefits may be submitted.
This summary is a brief
summary of benefits only and is subject to the terms, conditions and limitations
of Group Policy No. G-205,391. Complete details can be found in the Certificate
of Insurance, which will be sent to you when your application is approved.
Administered by:
Mass Benefits Consultants, Inc.
P.O. Box 828
Annandale, VA 22003-0828
Call Toll-Free - 1-800-221-3083
Underwritten by:
The United States Life Insurance Company in the City of New York
3600 Route 66
P.O. Box 1580
Neptune, NJ 07754-1580
United States Life is rated
A+ (Superior) by A.M. Best, reflecting the company's superior overall financial
strength and operating performance when compared to A.M. Best's standards.
Although every attempt
has been made to verify the accuracy of the information contained on this website,
errors and omissions may occur. You will receive a certificate of insurance
describing the exact coverage and benefits purchased. This website explains
the general purposes of the insurance described, but in no way changes or affects
the insurance afforded under the group insurance policy actually issued. All
coverage is subject to the actual policy conditions and exclusions.
APPLICATION FOR TERM LIFE INSURANCE
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