Benefits are paid directly to you. All benefits you receive are yours to use as you please. Pay hospital, doctor or other miscellaneous medical expenses. Pay at-home expenses or continuing monthly bills. The choice is yours!
No tax is payable on your monthly benefits as long as you, not your employer, pay the entire premium. If you use the premium under a pre-taxed section 125 plan, your benefits are taxable. Please consult your tax advisor.
Renew your coverage until retirement – provided you pay your premiums, remain a member, are gainfully employed and the group policy remains in force. This policy is renewable at the option of the company.
The disability plan pays for the disability portion of the leave only – for pregnancy leave, usually 6-8 weeks. If you make the choice to stay off longer under FMLA (i.e. care for a newborn), that time is not considered a disability so no benefits would be payable. The FMLA is unpaid, job-protected leave. For more details on FMLA, please visit http://www.dol.gov/agencies/whd/fmla/
Benefits are not payable for any injury, sickness or condition caused by or due to: war or acts of war declared or undeclared; military service of any country or international organization; pregnancy or childbirth (unless applying for maternity coverage); abortion, except to save the life of the mother; illegal blood alcohol content; being under the influence of any narcotic, barbiturate or hallucinatory drug, unless administered under advice of a physician and taken in the prescribed dosage; suicide or any attempt at suicide while sane or insane; travel or flight in any kind of aircraft while participating in aviation training, or as a pilot, officer or other member of the crew; injury or sickness arising out of and in the course of any occupation for wage or profit.