Waiver of Premium...
An Often Forgotten Provision
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By Chrystine Heier
Question - have you ever had an employee out on long term disability? If you answered yes, then I have a second question for you - were they disabled prior to the age of 60? If they were, that leads me to a third question - did you have them file for Life Insurance Waiver of Premium? If you can't answer yes - please read on...
What is the Waiver of Premium Provision?
Commonly included in most group life insurance programs, the Waiver of Premium Provision allows group life insurance coverage to continue for employees who are totally disabled prior to the contract stated age limit, typically age 60 or 65. Coverage is continued without further premium payment from the employee or employer and is subject to the same policy provisions as active employees (e.g. age reductions). Read More |
Asthma - Managing Your Condition
By Nan Maley, RN
Director, Corporate Wellness |
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Asthma is a serious and occasionally fatal disease. However, with a careful diagnosis, expert medical treatment and responsible self-care, most people with asthma lead normal, healthy lives. It is important for your employees and their family members to understand and manage their allergies.
Causes
It is not exactly clear what causes asthma. Those who seem more at risk of developing the condition include individuals with a family history of asthma or allergies, or those who were exposed to tobacco smoke, infections and certain allergens early in life.
Read More |
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