$15,000 Term Life (BaseLine version)- $15,000 benefit level - New Benefit Level, Same Great Rate
- Guaranteed issue without underwriting - regardless of industry or group size
- No physicals, no age restrictions.*
- One convenient bill for both DBL and Life
What is BaseLine?- BaseLine equals simplicity: no rate tiers, one plan design, one bill (together with DBL.
- Fast-tracked submission: no roster, no enrollment forms, guaranteed issue
- Employees covered under ShelterPoint DBL are covered under Term Life,* even part time and temporary employees
Notice
*35% benefit reduction occurs at age 65.
Note: This is for illustrative purposes only, providing a general overview of the services described. Benefits are paid to the estate unless otherwise specified. Full participation is required for those covered under DBL. Available in NY only. Policies are subject to Underwriting approval. All coverage extends up to policy limits. Policies are reviewed annually and may be cancelled for nonpayment; claim payment is not guaranteed. Please refer to the policy for coverage details, a complete listing of covered services, policy provisions, conditions, exclusions, and terms under which the policy may be continued or cancelled. In the event of conflicting information with the policy, the policy will take precedence over what is shown in this material. Not available in all jurisdictions.
ShelterPoint Life Insurance Company (principal office in Garden City, NY) in: NY
Form# SPL GTL0115 P NY
Employee Assistance Program
TELUS Health EAP & Wellbeing Resource
TELUS Health EAP is a confidential service to help your employees with personal & work-related issues 24/7 via phone & app.
It's great for your business, too!Research shows companies save $5-$16 for every dollar invested in an EAP*
TELUS Health EAP can help you... - Improve employee performance
- Reduce absenteeism
- Resolve conflicts
- Manage employee stress, substance abuse, depression
- Find answers to basic tax/legal questions
Sold through:
ShelterPoint Life Insurance Company (principal office in Garden City, NY) in: NY, NJ, PA, CT, RI, MA, IL, MN, DE, MD, CO, TN, NC, SC, DC, MI
*U.S. Department of Labor, What Works: Workplaces without Drugs.
Please Note: This is NOT insurance. All services of this Employee Assistance Program are provided and administered by TELUS Health (US) Ltd. (TELUS Health). TELUS Health offers an array of comprehensive, integrated human resource programs and services designed to maximize organizational and employee performance. Sessions are limited to 3 per Eligible User per applicable EAP Services category per contract year. The Program fee is per enrolled employee and is in addition to insurance premiums if insurance coverage is in force for any given group. Individuals who access the Program services will be required to provide their Username and Password to verify service eligibility. ShelterPoint Life is not providing legal, financial, or investment advice which should be obtained from an appropriately licensed professional.
Call a nurse, just in case
- Speak to experienced, registered nurses 24/7/365
- Get information on pain, allergies, mental health, pregnancy, dermatology, diabetes and more
- Use Nurse HelpLine for everyone in your household
Call Whenever You are In Doubt "My child is running a fever."
"I am pregnant and not feeling well."
"My wife has a bad headache."
Notice
Please Note: This is NOT insurance.
Sold through and administered by:
ShelterPoint Life Insurance Company (principal office in Garden City, NY) in: NY, MI, CA
ShelterPoint Insurance Company (licensed in 48 jurisdictions, not including NY) in: all other US-States and DC
All services of the Nurse HelpLine are provided by Alicare Medical Management, Inc. The Nurse HelpLine fee is per enrolled employee. Individuals who access the Nurse HelpLine will be required to provide their group# to verify service eligibility.
If you have a medical emergency, call 911. The ShelterPoint Nurse HelpLine is not designed for medical emergency situations, and gives general health information, but does not diagnose or prescribe.
Enriched DBL Benefit Rider
Enriched benefit options work just like statutory DBL while multiplying the statutory maximum benefit of $170/week by the benefit level chosen.
DBL In-hospital Rider:- The In-hospital Rider pays an additional maximum of $170/week while an employee is hospital-confined - even during the 7-day waiting period for regular (underlying) DBL
- After the 7-day waiting period, the in-hospital benefit continues for as long as the employee is hospitalized, and is in addition to the underlying DBL benefit
- Duration for in-hospital benefit is tied to the mandated DBL maximum of 26 weeks of consecutive disability
For policies with minimum premium, premiums for any of these riders are counted towards the minimum premium.
Notice
This product information is for illustrative purposes only, providing a general overview of featured benefit highlights provided under the policy. It is not a contract. In the event of conflicting information with the policy, the policy will take precedence over what is shown in this material. Available in NY only. Policies are subject to Underwriting approval. All coverage extends up to policy limits. Policies are reviewed annually and may be cancelled for nonpayment. Please refer to the policy for coverage details, a complete listing of covered services, policy provisions, conditions, exclusions, and terms under which the policy may be continued or cancelled. Exclusions, limitations, reduction of benefits, and terms of coverage apply as pursuant to NY State Disability Benefits Law. All benefit calculations are based on $340 covered payroll per week. Claim payment is not guaranteed; benefit amount depends on wages. Policies have a statutory 7-day waiting period.
Underwritten by:
ShelterPoint Life Insurance Company (principal office in Garden City, NY) in: NY
Form# SPL DB0717 E (Enriched Benefit Rider), SPL DBL1114 H (In-hospital Rider)
Hospital Cash Insurance (BaseLine version)
| Hospital Stay1 | Daily Benefit2
$240
(Metro NY)
$165 (non-Metro NY) | Pays a fixed daily amount, as long as covered individual is continuously confined to the hospital and under the care of a doctor. Hospital stay must be for at least 24 hours. |
| Skilled Nursing Facility Stay | Pays a fixed daily amount, while a covered individual is confined to a skilled nursing facility. Must immediately follow a hospital stay of at least 24 hours. Benefit is paid for a maximum of 30 consecutive days. |
- Includes spouse/partner and dependent coverage!3
- Benefits are paid for an unlimited continuous number of days per hospital stay
- Benefits paid are independent of any other insurance, even Consumer-driven Health Plans
- Benefits are paid directly to covered individuals - money can be used however they see fit
What is BaseLine?- BaseLine equals simplicity: no rate tiers, one plan design, one bill (together with DBL).
- Fast-tracked submission: no roster, no enrollment forms, guaranteed issue
- Employees and their spouse/partner and dependents covered under ShelterPoint DBL can be covered under Hospital Cash,4 even part-time employees
Notice
1Treatment in an emergency room is not hospitalization and is not covered under this policy unless the individual is admitted to the hospital for a period of at least 24 hours immediately following the emergency room visit.
2Benefit level determined by employees (Certificate Holders) place of residence. Metro New York area: Bronx, Kings (Brooklyn), Manhattan, Nassau, Queens, Richmond (Staten Island), Rockland, Suffolk and Westchester Counties. No other New York counties are included in the Metro New York area.
3Benefit for a spouse/partner and/or dependent is 100% of the employees benefit level.
4Unlike with DBL, Hospital Cash coverage ends on the employees termination date, and Hospital Cash claims incurred after that date will not be honored. Employment verification takes place at the time of claim submission. Additional employment verification is required for hospital stays of more than 10 days.
No benefits are payable except as stated in this policy. This insurance does not apply to hospital stays or expense resulting from:
1.Suicide or attempted suicide;
2.Intentionally self-inflicted injury;
3.Aviation as other than a fare-paying passenger on a scheduled or charter flight operated by a scheduled airline;
4.Cosmetic surgery other than reconstructive surgery incidental to or following surgery resulting from trauma, infection or other diseases or because of congenital disease which has resulted in a functional defect;
5.Participation in or commission of a felony, riot or insurrection;
6.Rest cures, custodial care and transportation, with the exception of ambulance service;
7.Illness, accident, treatment or medical condition caused by war or act of war, declared or not.
The policy described in this material covers Hospital Cash benefits only. IT DOES NOT PROVIDE BASIC HOSPITAL, BASIC MEDICAL OR MAJOR MEDICAL INSURANCE AS DEFINED BY THE NEW YORK STATE DEPARTMENT OF FINANCIAL SERVICES. LACK OF MAJOR MEDICAL COVERAGE (OR OTHER MINIMAL ESSENTIAL COVERAGE) MAY RESULT IN AN ADDITIONAL PAYMENT WITH YOUR TAXES. Coverage extends up to policy limits. Policies are reviewed annually and may be cancelled for nonpayment. Please refer to the policy for coverage details, a complete listing of covered services, policy provisions, conditions, exclusions, and terms under which the policy may be continued or cancelled. Not available in all jurisdictions..
Underwritten by:
ShelterPoint Life Insurance Company (principal office in Garden City, NY) in: NY
Form# SPL GHC115 P NY (9/19)
AD&D Rider: - Provides coverage for accidental death and dismemberment 24/7
- 2 death benefit levels are available $50,000 and $100,000 - New Benefit Level, Same Great Rate
- The benefit amount for covered dismemberments is 50% of the death benefit
The AD&D premium is not included in the DBL premium. For policies with minimum premium, AD&D is in addition to the minimum premium.
Notice
This product information is for illustrative purposes only, providing a general overview of featured benefit highlights provided under the policy. It is not a contract. In the event of conflicting information with the policy, the policy will take precedence over what is shown in this material. Available in NY only. Policies are subject to Underwriting approval. All coverage extends up to policy limits. Policies are reviewed annually and may be cancelled for nonpayment. Please refer to the policy for coverage details, a complete listing of covered services, policy provisions, conditions, exclusions, and terms under which the policy may be continued or cancelled. Exclusions, limitations, reduction of benefits, and terms of coverage apply as pursuant to NY State Disability Benefits Law. Claim payment is not guaranteed; benefit amount depends on wages. Policies have a statutory 7-day waiting period. AD&D is only available as arider to a DBL policy. For AD&D coverage details, please refer to the AD&D Rider of the DBL policy (SPL DBL1114 D).
Underwritten by:
ShelterPoint Life Insurance Company (principal office in Garden City, NY) in: NY
Form# SPL DBL1114 D (AD&D Rider)
Statutory PFL Rider
Starting in January 2018, Paid Family Leave (PFL) becomes a mandatory benefit in New York,providing paid time off to employees for certain qualifying events while their job is protected. PFL is implemented by NY State as a rider to your statutory short-term disability (DBL) policy-unless your business is exempt and as such can choose to provide PFL on a voluntary stand-alone basis.
The key differentiator between PFL and DBL is that DBL is taken for your employees OWN non-occupational injury or illness, while PFL is taken to care for someone else-there are 3 main categories of qualifying events for which employees can take paid leave: - To provide care for a family member with a severe health condition
- To bond with a child after birth,adoption, or to welcome a child into foster care
- To attend to family matters due a military exigency
Notice
The information in this material is not intended as an offer of coverage. It is for illustrative purposes only, providing a general overview of featured benefit highlights provided under the policy. It is not a contract. In the event of conflicting information with the policy, the policy will take precedence over what is shown in this material. Policies are governed by Article 9 of Workers Compensation Board (WCB) Law (New York State Disability and Paid Family Leave Benefits Law). Not available in all jurisdictions (Available in NY only.) Policies are subject to Underwriting approval. All coverage extends up to policy limits. Policies are reviewed annually and may be cancelled for nonpayment. Please refer to the policy for coverage details, a complete listing of covered services, policy provisions, conditions, exclusions, and terms under which the policy may be continued or cancelled. Exclusions, limitations, reduction of benefits, and terms of coverage apply as pursuant to NY State Disability and Paid Family Leave Benefits Law. Claim payment is not guaranteed; benefit amount depends on wages. ShelterPoint is a registered Service Mark. All images licensed through iStockphoto.
Underwritten by:
ShelterPoint Life Insurance Insurance Company (principal office in Garden City, NY) in: NY
Paid Family Leave Rider: Publication of rate does not imply availability of coverage at time of publication of rates. PFL policies will be available effective 01/01/18.
Policy# SPL DB0918 F