Boston Mutual Life Insurance Company
Solutions For The Workplace

This is life insurance coverage where the benefit is payable only if the insured dies during a specified period. This coverage is less costly than other types of life insurance as there is no cash value build-up.

This is life insurance coverage designed to provide lifetime coverage. The death benefit and policy premium are fixed and unlike term insurance, this coverage has a cash value which accumulates over time. The cash value varies according to the insurer's investment earnings and cannot be computed in advance beyond the guaranteed minimums. The coverage may also be eligible for policy loans. It is sometimes referred to as permanent or whole life insurance and the premiums are typically higher than term insurance.

This coverage is made available to eligible employees and union members on a voluntary basis. The premium is typically deducted from the employee's paycheck.

Coverage Highlights:

• Permanent life insurance with cash value accumulation
• Premiums are guaranteed not to increase for the life of the policy
• Guarantee issue amounts for eligible employees - no medical underwriting required
• Flexibility to cover the employee, spouse, children and grandchildren
• Optional riders include Children Term coverage, Accidental Death Benefit, Payor Waiver of Premium / Strike Waiver of premium and our Catastrophic Loss Rider
• Policy is portable should the employee leave his/her employer
• Tobacco distinct and blended rates are available

Our Group Term Life and Accidental Death & Dismemberment Insurance program offers many combinations of coverage options to meet both Employer and Employees’ insurance needs. Employers can elect to purchase basic coverage for their employees, such as a multiple of salary benefit or a flat amount. They can also offer a Voluntary plan where employees choose the benefit amount they wish to purchase, often without needing to provide evidence of good health. These products may be offered together or on a stand-alone basis. Standard Life Provisions:

• Flexible Benefit Schedules
• Competitive Plan Maximums
• Dependent Coverage available for both Spouse and Children
• Waiver of Premium – life insurance is continued without premium payments for employees who become totally disabled.
• Accelerated Death Benefit – available to insured employees with a life expectancy of 12 months or less allowing them to collect a percentage of their life insurance benefit early and the remaining benefit is then payable to the beneficiary.
• Portability – offers insured employees and their dependents the opportunity to continue their life insurance upon leaving employment while Boston Mutual bills for premium directly to the former employees.
• Conversion – allows insured employees and their dependents to convert their term life insurance to a permanent life policy without evidence of insurability within 31 days of termination from employment.
• Bereavement Counseling – provided by our counseling partner Health Management Systems of America offers toll-free counseling services to all beneficiaries.

• 24 hour coverage
• Education Benefit – this benefit payable in the event of an insured employees’ accidental death. This benefit provides each qualified dependent a percentage of the employee’s life insurance for up to four years.
• Seat Belt Benefit – an additional 50% of the AD&D benefit is payable if the insured’s death is the result of an automobile accident while the insured was wearing a properly secured seat belt.
• Repatriation of Remains Benefit – payable up to $5,000 to cover expenses occurred to return the body if the insured’s accidental death occurs 100 miles outside of his/her primary residence.

This coverage is made available to eligible employees and union members on a voluntary basis. The premium is typically deducted from the employee's paycheck.

Coverage Highlights:

• Off-the-Job and 24 Hour coverage options
• Indemnity amounts payable for many triggers such as:
  • Hospitalization, Intensive Care, Rehabilitation and Ambulance
  • Emergency Room treatment, Urgent Care and Physician's Office
  • Diagnostic Imaging and Therapy Services
  • Fractures, Dislocations, Lacerations and Burns
• Accidental Death and Dismemberment benefits
• Guarantee issue for eligible employees, spouses and children
• Optional riders for Health Screening, Hospital Confinement due to Sickness, Occupational HIV.
• Policy is portable should the employee leave his/her employer

This coverage is made available to eligible employees and union members on a voluntary basis. The premium is typically deducted from the employee's paycheck.

Coverage Highlights:

• Non-Occupational and 24 Hour coverage options
• Indemnity amounts payable for many triggers such as:
  • Hospitalization, Intensive Care, Rehabilitation and Ambulance
  • Emergency Room treatment, Urgent Care and Physician's Office
  • Fractures, Dislocations, Lacerations and Burns
• Accidental Death and Dismemberment benefits
• Guarantee issue for eligible employees, spouses and children
• Optional riders for Hospital Confinement due to Sickness, increases to the Emergency Room and Physician Office benefits, a Wellness Benefit and Occupational HIV coverage.
• Policy is portable should the employee leave his/her employer

This coverage is made available to eligible employees and union members on a voluntary basis. The premium is typically deducted from the employee's paycheck.

Coverage Highlights:

• Pays a lump sum benefit for the diagnosis of many conditions such as Cancer, Myocardial Infarction, Stroke, End Stage Renal Disease, Major Organ Transplant, Coma, Paralysis and more.
• Pays a reduced benefit for Coronary Artery Bypass, Angioplasty and Stent Insertion and Carcinoma in situ.
• Guarantee issue is often available for eligible employees.
• Optional riders for Health Screening tests, Genetic Testing, Occupational HIV and Extended Loss.
• Spouse and Children coverage is also available.

This coverage is made available to eligible employees and union members on a voluntary basis. The premium is typically deducted from the employee's paycheck. This Voluntary Disability product is priced with Issue Age rated benefits and provides flexible plan design options for income protection that will help employees cover expenses while they are disabled.

• Non-Occupational and 24 Hour coverage options
• Benefit Durations of 13, 26, 52 or 104 weeks
• Benefit Amounts in $25 increments from $100 to $1,400 per week
• Guaranteed Issue available for qualifying groups
• Replacement Coverage is available up to policy limits if replacing existing coverage
• Residual Disability Benefits included
• Waiver of Premium begins on the first of the month following the satisfaction of the Elimination Period
• Telephonic claims with a seamless transition to Long-Term (if in place) and all eligible short-term claims are paid on a weekly basis.
• Pregnancy is covered the same as any other illness

This coverage is made available to eligible employees and union members on a voluntary basis. The premium is typically deducted from the employee's paycheck. This Voluntary Disability product is priced with Attained Age rated benefits and provides flexible plan design options for income protection that will help employees cover expenses while they are disabled.

Coverage Highlights:

• Salary Based or Incremental Benefits
• Comprehensive Plan Maximums and Guaranteed Issue Amounts
• Flexible Benefit Durations and Elimination Periods
• Employer/Employee Buy-Up Options
• W-2 Reporting Services
• Employee Assistance Program (EAP)

Disability Income Protection Insurance with Accidental Death and Dismemberment Benefits. This coverage is made available to benefit Federal, Postal, Municipal and State employees and the premiums are typically paid through Allotments (payroll deductions).    This Individual Disability product is designed to provide short-term monthly disability income protection that will help cover employee’s expenses while they are disabled due to sickness or injury.  It also offers a Hospital Confinement Indemnity benefit that will pay a benefit if hospitalized due to injury or sickness, and an Accidental Death and Dismemberment benefit that will pay a benefit if death occurs as a result of an accident. Coverage Highlights:

• 24 Hour Coverage options
• Benefit Durations of 7 or 20 day, 10 or 30 day, and 14 or 30 day.
• Benefit Amounts from $100 to $1,500 per month
• Waiver of Premium for total disability for a period of 90 days after satisfying the elimination period
• Accidental Death and Dismemberment Benefit available upon receipt of proof of death resulting from accidental injuries
• Hospital Confinement Indemnity will pay a benefit per diem for up to 30 days if hospitalized due to a covered injury or sickness.

This coverage is made available to benefit eligible employees and the premium is typically paid all or in part by the employer. This Disability product is priced with Attained Age rated benefits and provides flexible plan design options for income protection that will help employees cover expenses while they are disabled.

Coverage Highlights:

• Comprehensive Plan Maximums and Guaranteed Issue Amounts
• Flexible Benefit Durations and Elimination Periods
• Employer/Employee Buy-Up Options
• W-2 Reporting Services
• Employee Assistance Program (EAP)

This coverage is made available to eligible employees and union members on a voluntary basis. The premium is typically deducted from the employee's paycheck. This Voluntary Disability product is priced with Issue Age rated benefits and provides flexible plan design options for income protection that will help employees cover expenses while they are disabled.

• Non-Occupational and 24 Hour Coverage options
• Benefit Durations of 24, 36, or 60 months
• Benefit Amounts in $100 increments from $300 to $6,000 per month
• Guaranteed Issue available for qualifying groups
• Replacement Coverage is available up to policy limits if replacing existing coverage
• Residual Disability Benefits included
• Waiver of Premium begins on the first of the month following the satisfaction of the Elimination Period but if both short-term and long-term plans are in place, long-term is waived earlier.
• Claims are seamlessly aligned with Short Term Disability claims and all eligible claims are paid monthly.
• Return to work incentives
• Pregnancy is covered the same as any other illness

This coverage is made available to eligible employees and union members on a voluntary basis. The premium is typically deducted from the employee's paycheck. This Voluntary Disability product is priced with Attained Age rated benefits and provides flexible plan design options for income protection that will help employees cover expenses while they are disabled.

Coverage Highlights:

• 24 Hour Coverage
• Salary based or Incremental benefit options available
• Comprehensive Plan Maximums and Guaranteed Issue Amounts
• Flexible Benefit Durations and Elimination Periods
• Employer/Employee Buy-Up Options
• W-2 Reporting Services
• Employee Assistance Program (EAP)

This coverage is made available to benefit eligible employees and the premium is typically paid all or in part by the employer. This Disability product is priced with Attained Age rated benefits and provides flexible plan design options for income protection that will help employees cover expenses while they are disabled.

Coverage Highlights:

• Comprehensive Plan Maximums and Guaranteed Issue Amounts
• Flexible Benefit Durations and Elimination Periods
• Employer/Employee Buy-Up Options
• W-2 Reporting Services
• Employee Assistance Program (EAP)