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Universal Life Insurance
Universal Life Insurance offers fund value accumulation, a competitive interest rate and can help ease the financial burden brought upon by the death of a family’s primary provider.
Term Life Insurance
Life Insurance offers an economical method of owning life insurance to cover a specific need for a specific amount of time.
Cancer and Specified Disease Insurance
Policies for Cancer only or Cancer and Specified Disease Insurance. Pays benefits, in addition to existing coverage, that can be used to help cover the costs associated with the treatment of cancer and other specified diseases.
Accident Insurance (with Expanded Benefits)
Accident Insurance provides benefits for on- and off-the-job accidents or off-the-job only accidents and pay a lump sum benefit to the insured that can be used to help cover the costs not paid by the primary insurer. Riders can be added to expand benefits.
Hospital Indemnity Insurance (Supplemental Health Options Plan)
Hospital Indemnity Insurance referred to as SHOP allows the insured to "shop" for the supplemental health benefits that best meet their budget and needs.
Heart & Stroke Insurance
Heart & Stroke Insurance pays benefits, in addition to existing coverage, that can be used to help cover costs associated with the treatment for heart & stroke related conditions.
Disability Income Insurance
Disability Income Insurance provides an income when the insured can’t work because of a covered sickness or off-the-job accident.
Find out more about our partner Allstate at www.allstateatwork.com
Our Allstate Insurance broker can be
reached at the following:
David Morrow
Ryland Morrow Agency
3997 Commons Drive
Suite H
Destin, FL 32541
Office: 850-650-0600
Fax: 850-650-5755
Plan Details
Select Benefits is a limited benefit medical and life insurance policy that can provide coverage for you, your spouse and all other eligible dependents.
Why You Should Enroll
Select Benefits doesn't minimize coverage with prerequisites and benefit requirements.
For example, there are:
- No preexisting condition limitations
All preexisting health conditions are accepted
- No required networks
You may see the medical provider of your choice
- No deductibles
There are no deductibles for covered medical events
- No restrictions with other insurance plans
Claims are paid regardless of any other coverage you may have
Your Monthly Plan
The plan offered by your company provides consistent benefits every month. The stability gives you control over how you manage your care.
Select Benefits is not a replacement for a major medical policy or other comprehensive policy. It is designed to provide a preselected fixed dollar amount for covered benefits used on a routine basis. Coverage may be subject to exclusions, limitations, reductions and termination of benefit provisions. Select Benefits is insured by Symetra Life Insurance Company.
For cost and complete details, contact your Select Benefits representative or your benefits department.
To use your plan, follow these steps:
- Enroll in the plan as directed by your benefits department or Select Benefits representative.
- Present your ID card to the provider at the time of service.
- Ask the provider to bill the policy administrator, Select Benefit Administrators of America (SBBA), directly.
- If there is any balance due, the provider may send you a bill.
You also have the option of paying the provider yourself and filing a claim with SBAA. SBAA will then pay benefits directly to you
Most of the benefits in your plan pay a preselected fixed dollar amount. This is an easy way to know exactly how much coverage you have for a particular benefit. Here's and example of how this works:
You need to see the doctor for some pain you are experiencing.
You present your ID card at the time of the visit, knowing that your plan pays $40 for a doctors office visit. The bill comes to $75, which the provider sends directly to SBAA. A few weeks after your visit, SBAA mails you an Explanation of Benefits showing what was paid. Your provider may send you a bill for the remaining $35. |
Select Benefits is a simple way to provide you and your family with essential health coverage. Enroll today and help find a piece of mind, knowing you are covered.
Symetra Rates
2007 Symetra Benefits Plan Matrix |
Plan #4
84750 |
Plan #7
84760
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Plan #10
84770
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| Life Insurance / AD&D Benefit |
Life Insurance Benefit |
$5,000.00 |
$10,000.00 |
$20,000.00 |
AD&D |
$5,000.00 |
$10,000.00 |
$20,000.00 |
| Dependent Life Insurance Benefit |
Spouse |
$2,500.00 |
$5,000.00 |
$7,500.00 |
Child (6 months - 19 years / 26 if full-time student) |
$1,250.00 |
$2,500.00 |
$3,750.00 |
Infant (14 days - 6 months) |
$200.00 |
$400.00 |
$600.00 |
| Hospital Indemnity Benefit |
| Per Day, Per Person; 30 days maximum per calendar year |
$200.00 |
$500.00 |
$500.00 |
| Per Day, Per Person for treatment of alcoholism or drug abuse; 30 days maximum per calendar year |
$200.00 |
$500.00 |
$500.00 |
| Per Day, Per Person for ICU; 30 days maximum per calendar year |
$400.00 |
$1000.00 |
$1000.00 |
| Per Day, Per Person for mental illness; 300 days maximum per calendar year, 180 days per lifetime |
$100.00 |
$250.00 |
$250.00 |
| Per Day, Per Person for stays in a skilled nursing facility (only if following a covered hospital stay of at least three consecutive days and the person is less than age 65); maximum 60 consecutive days per stay |
$100.00 |
$250.00 |
$250.00 |
| Maximum days lifetime per person (except for mental illness) |
500 |
500 |
500 |
| Benefits become payable on the first day of coverage confinement |
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| Maternity Care covered as any other illness |
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| No Deductible and no Co-payment |
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| No additional premium charge for additional eligible dependents |
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| Surgical Benefit |
| Surgical Benefit per person, per calendar year maximum. Benefits paid directly to the physician/surgeon, not to the facility. No deductible and no additional premium charge for eligible dependents. |
None |
$1,000.00 |
$1,000.00 |
| Doctor's Office Visit Indemnity Benefit |
| Selected dollar benefit per person, per visit up to a calendar year maximum. No deductible. Excludes routine exams and injections. No additional premium charge for eligible dependents. |
$40/$300 |
$55/$300 |
$55/$300 |
| Outpatient Diagnostic X-ray and Lab (DXL) Indemnity Benefit |
| Tests ordered or performed by a doctor, payable at selected dollar benefit per person, per visit up to a calendar year maximum when hospital confinement is not required. Must be medically necessary. No deductible. No additional premium charge for eligible dependents. |
$45/$300 |
$55/$300 |
$55/$300 |
| Additional Accident Benefit |
| Covered charges payable for services furnished by a doctor or hospital within 90 days after an accident. No deductible or co-payment. No additional premium for eligible dependents. Per Person, Per Calendar Year Maximum. |
$300.00 |
$500.00 |
$500.00 |
| Prescription Drug Benefit |
| Per person calendar year maximum, per family calendar year maximum; Co-Payment: Generic- $10 Name Brand-$20 |
None |
None |
$150/$300 |
| Preventive Care Indemnity Benefit |
| Routine exams, medical treatment and injections payable at selected dollar benefit per visit, up to a calendar year maximum. |
None |
$50/$150 |
$75/$150 |
| Other Additional Benefits |
Survivor Benefit |
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Pharmacy Discount Program |
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Vision Benefit |
No |
No |
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Dental Care Benefit |
No |
No |
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Employee Disability Weekly Benefit |
No |
No |
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COBRA Eligible (Plan is portable) |
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Current Rates are available by contacting the Simple HR Benefits Administrator,
Sally LaPierre, at 1-850-650-9935, extension 37.
Identity Theft ShieldSM
$12.95 per month
It's no secret: Identity Theft is a major problem in America.
Think you're not at risk? Unfortunately, you are.
- Do you hand your credit card to servers at restaurants?
- Do you sign your credit cards?
- Do you supply personal information over the Internet?
- Do you keep your Social Security number in your wallet or purse?
- Do you leave mail at your home or business for the postal carrier to collect?
- Do you shred unwanted mail with personal information?
What does the Identity Theft ShieldSM Cover?
- Credit Reports
- Continuous Credit Monitoring
- Identity Restoration
Prepaid Legal Services
$15 monthly
Preventative Legal Services
- Legal Consultation & Advice
- Letters & Phone Calls
- Contract & Document Review
- Will Preparation
Motor Vehicle Legal Services
- Minor and Major Legal Expenses
Trial Defense Services
- Up to 60 Hours of Attorney Time
IRS Audit Legal Services
- Up to 50 Hours of Attorney Time
Preferred Member Rates
- Receive 25% off your Provider Law Firm’s standard rate
Select both benefits for just $25.00 per month!
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