If an insured passes away prior to a certain age, this rider would allow their estate to receive a percentage of what has been paid for their certificate, minus any claims that may have been paid.
What is Return of Premium @ Death?
100
___________ Activities of Daily Living
What is Significant?
100
In most Group plans, this is not needed to satisfy an insured's Elimination Period.
What is Billing?
100
This is commonly referred to as GIMET.
What is Group Insurance Multiple Employer Trust?
100
In the Group world, an insured is issued a certificate instead of this, its Retail equivalent.
What is a Policy?
200
This rider allows an insured & their spouse to be simultaneously premium free.
What is Dual Waiver?
200
In most Group plans, this type of provider can be included as any service type allowed under the plan.
What is Respite?
200
This provision deals with how a Group certificate works w/other types of insurance, not just Medicare.
What is Coordination of Benefits?
200
This was the 1st Group plan to include the expectation that a condition must last at least 90 days for an insured to be Benefit Eligible.
What is the 97 Plan?
200
The amount of steps in the Group sales process.
What is Two?
300
This is available as a rider on many Group plans and is sometimes called Nonforfeiture.
What is Reduced Paid-Up?
300
This Benefit Eligibility requirement is not included in all plans and is commonly referred to as the 6 Month Rule.
What is Pre-Existing Condition?
300
In some plans, this room retention benefit can be paid if the insured left their facility for any reason.
What is Bed Hold?
300
This was the first plan to offer Return of Premium @ Death as a Core Benefit.
What is Bell South?
300
Underwriting is not required for Group employees classified as this.
What is Actively at Work?
400
Although a lesser amount may have been elected by the employer, Restoration of Benefits could restore an insured's Lifetime Maximum Benefit if they were no longer Benefit Eligible for this many consecutive months.
What is 24?
400
Prior to the 97 Plan, this type of provider had to meet the certificate's definition of a Skilled Nursing Facility in order to be approved.
What is an Assisted Living Facility?
400
In order to receive benefits under this provision, the type of care being received must cost less than traditional care and be agreed upon by the company, a licensed health care practitioner & the insured.
What is Alternate Plan of Care?
400
This plan contains a 540 day rule re: its Qualification Period.
What is IBM?
400
Unlike Retail products, most Group plans do not require the insured to be receiving services for this to occur.
What is Waiver of Premium?
500
This was the first rider made available on a Group product.
What is Termination of Premium?
500
This is the only provider type to have multiple name changes.
What is Home Health Care?
500
The earliest version of this well traveled benefit did not require services in order for benefits to be received.
What is the International Benefit?
500
This plan is actually 2 plans, CareChoice and Corporate Choice.
What is the 2009 Plan?
500
Group premiums are often lower than Retail premiums due to standardized plans, fewer plan options and this.