The Life Insurance conversion option provides an employee whose group insurance coverage is ceasing to convert their current Basic and Optional Life insurance amount to an individual insurance policy without the need to provide evidence …

Mandatory Generic Substitution is a drug plan feature that limits the ingredient cost of a drug charge to that of the lowest cost alternative.  Where there is a generic interchangeable drug (a generic equivalent) then …

Life insurance is expressed as a rate per $1,000 of insurance.  To calculate Life Insurance premium you take the benefit volume per $1,000 of coverage multiplied by the monthly rate.  For example, to calculate the …

Long Term Disability (LTD) is expressed per $100 of benefit volume.  To calculate monthly LTD premium you take the benefit volume multiplied by the rate per $100 of coverage.  For example, if you have monthly …