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Dental, Life, Short and Long Term Disability, and Temporary Health – With one call to the Financial Designs Sales Support Team, you can get quotes and information on Allied’s excellent, high-quality products for almost any need your client might have.
Allied™Dental Design is designed for groups of 2-99, and offers affordable dental insurance benefits and many plan options that allow groups to choose the type of coverage that best fits their needs and budget. Plan features:
- Choose any dentist
- A Passive PPO network using the AIG National Dental Network is automatically included. Voluntary use of its dentists at 60,000-plus locations may help reduce coinsurance costs and eliminate balance billing by the dentist.
- 100% preventive care benefits with no deductibles
- Orthodontia benefit option and takeover benefits for groups of two or more
- No ineligible industries.
Allied Group Life, Short Term Disability (STD) and Long Term Disability Plans. The Standard Plan is available for groups of 2 to 24 insured employees. Custom plans are available for groups of 10+ and provide lower premiums and additional options. Plans can be rated by the Financial Designs Sales Support Team using the custom proposal software. Standard Plans can be hand rated using the rates in the plan brochure.
Standard Plan features:
- Allied™Group Life Plan provides Term Life and AD&D benefits to the small group market. Coverage will be guaranteed acceptance to eligible groups to maximums determined by group size and prior coverage amount. [insert Guaranteed Issue Limits table]
- Allied™ Group Short Term Disability (STD) plan provides weekly disability income to covered employees for groups of 2 to 99. Coverage will be guaranteed acceptance for all qualifying groups.Pre-existing Conditions – 3/6/12.
- Coverage Amounts – insures 60% of salary with a maximum weekly benefit of $1,000.
- Elimination Periods – options are 1 or 8 days for accident and 8 days for illness.
- Maximum Benefit Periods – 13 or 26 weeks as selected by Employer.
- Total Disability – prevented from performing ANY work or receiving ANY earnings due to injury, sickness or pregnancy. Maternity covered as any other illness.
- Partial Disability Benefit – Standard Plan requires Total Disability.
- Allied™ Group Long Term Disability (LTD) plan provides monthly disability income to covered employees for groups of 2 to 99. No occupational class coding is required for the Standard Plan. Coverage will be guaranteed acceptance for all qualifying groups.
- Pre-existing Conditions – 12/6/24
- Coverage Amounts – insures 60% of monthly salary up to the standard maximum insured benefit of $6,000 per month.
- Elimination Periods – 90 or 180 days.
- Maximum Benefit Periods – Industry Classes A, B and C: Social Security Normal Retirement Age for owners and white collar; 5 years all others. Industry Class D: 5 years for all employees.
- [link to SIC Codes for Industry Rating Class]
- Total Disability –During Own Occupation Period, limited from performing material duties of their regular occupation due to injury, sickness or pregnancy. Standard Plan Own Occupation Period is 2 years.
- Partial Disability Benefit is included with the Standard Plan.
Obtaining a quote.
- A computer generated proposal is available from the Financial Designs Sales Support Team.
- For a Standard Plan (groups of 2-24), you can use the Life, STD and LTD rating worksheet & rating chart in the field.
Allied Temporary Health
New and improved short term medical coverage – New “A” rated carrier! Covers most medical services, including physician care, Inpatient and Outpatient hospital services, lab tests and surgical services. They have added these great new features to the plan:
- New reduced rates! As much as 20% lower in all areas.
- Special accident protection. The deductible is waived for all covered expenses caused by an accident. That’s NO deductible for accidents!
- New "A" rated carrier! American Alternative Insurance Company (AAIC) is rated "A" (Excellent) by A.M. Best Company.
With the great low rates and waiver of deductible benefit, the new AAIC plan should be your temporary health plan of choice.
Appointment with Allied National and AAIC is convenient for agents through their unique online electronic Fill-N-Sign system. For more information, please contact Kitty Beard of the Financial Designs Sales Support Team.
Or Just visit www.alliednational.com/agent.htm and click on the Fill-N-Sign link.
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