Iron Horse Trucking, LLC

Iron Horse
Trucking, LLC NDPSA SHORT TERM DISABILITY Plan Description Elimination Period: 14 Days Injury / 14 Days Sickness Benefit Period: 26 Weeks Benefit Amount: $700 Per Week – Not to exceed 60% of weekly earnings. Partial Disability Benefit – pays 50% of the weekly benefits for up to 13 weeks. Wavier of Premium – while receiving Short‐Term Disability benefits. Claim Payment – paid on a weekly basis on all eligible claims. Non‐Occupational Coverage – off the job only. The information provided here is only a summary of the Short Term Disability plan. Refer to your certificate/policy for complete details and limitations of coverage NDPSA LONG TERM DISABILITY Plan Description Elimination Period: 180 Days Benefit Period: Up to 2 years (Graded over Age 65) Benefit Amount: $3,000 Per Month – Not to exceed 60% of weekly earnings. Partial Disability Benefit – pays 50% of the weekly benefits for up to 12 months. Wavier of Premium – after 180 days or when purchased STD is waived. Claim Payment – paid on a weekly basis on all eligible claims. Coverage – 24 Hour. The information provided here is only a summary of the Long Term Disability plan. Refer to your certificate/policy for complete details and limitations of coverage NDPSA GROUP TERM LIFE WITH AD&D Plan Description Member coverage: $50,000 ‐ $100,000 ‐ $150,000 Spouse Coverage: Up to half of the Member Coverage. Child Life: $10,000 Guarantee Issue Accelerated Benefit ‐ of up to 80% of benefit to a maximum of $150,000 Attained age rate structure. 2 Year rate guarantee. AD&D Rider The information provided here is only a summary of the Group Term Life plan. Refer to your certificate/policy for complete details and limitations of coverage ELIGIBILITY:
• Employees: Full-time employees of the employer or an associated company, at active work in the United States of America and working the minimum
hours per week as required under the Plan. Temporary or seasonal workers are not eligible. Any other requirements set by the employer must also be
met.
• • Eligible Dependents: Lawful spouse (if not disabled or hospital confined on the effective date) and unmarried children (if not hospital confined) -14
days to age 19, or to age 23 if a full-time student. The hospital confinement exception does not apply to a child born while dependent insurance is in
effect. Spouses who both work for the policyholder/employer and who are both eligible for this insurance as employees cannot cover each other as
dependents, and only one insured employee may insure any dependent children.
• AGE REDUCTIONS: (applies for both Life and AD&D): Spouse coverage terminates at age 70.
• At age 70, reduce by 33% of the original scheduled amount. • At age 75, reduce by 55% of the original scheduled amount.
GUARANTEE ISSUE: The amount of coverage available without answering proof of good health questions. Guarantee Issue amounts apply to
employees or dependents that apply for coverage within 31 days from the date that all eligibility requirements are met. The entire dependent child
amount is guarantee issue for timely applicants. The guarantee issue amount depends on the number of eligible employees in the group. See your
employer or agent for your guarantee issue amount.
PORTABILITY: Allows employees to continue life and any dependent life coverage (not AD&D) after a covered employee is no longer eligible for
insurance for a specified period of time as defined by the employer’s contract. Limitations and exclusions apply.
ACCELERATED BENEFIT: Pays up to 80% of the Life benefit to a maximum of $250,000 in the event of a life-threatening medical condition where
there is a life expectancy of 12 months or less. An Accelerated Benefit may also be available for an insured spouse. Limitations and exclusions apply.
DISABILITY BENEFIT (WAIVER OF PREMIUM): If an insured employee becomes disabled prior to age 60 and remains continuously disabled for 9
months, life insurance protection will remain in force without further premium payment until the earliest of the date of recovery, age 65 or retirement. If
an insured employee becomes disabled on or after age 60, but before age 65, insurance may continue for up to 1 year, but not past the earlier of age
65, or the date of retirement. Limitations and exclusions apply.
CONVERSION PRIVILEGE: When coverage is terminated for any reason except non-payment of premium, employees, their spouses and their
dependent children will have 31 days from the date any insurance is terminated to purchase an individual life policy without submitting proof of good
health. AD&D coverage is not eligible for conversion.
LIFE SUICIDE LIMITATION: Applies to both employees and dependents and limits payment of benefits for death from suicide during the first two years
of new or additional coverage to only a return of premium payments to the beneficiary.
LATE ENROLLEES/CHANGES IN AMOUNT OF INSURANCE:
• Insured employees may increase benefit amounts up to $10,000 without proof of good health during an annual enrollment period, provided the
amount is under the guarantee issue. Increases in excess of $10,000 annually, or for amounts over the guarantee issue, require proof of good health.
An insured employee may also change amounts at other times, but must submit proof of good health for any increase.
• Employees hired following the effective date of the plan who do not enroll within 31 days of becoming eligible may enroll during the first annual
enrollment period following their original date of eligibility without providing proof of good health, up to the guarantee issue.
• If employees are eligible for coverage and choose not to enroll, they are late applicants and will be required to provide proof of good health if they
elect coverage either during a subsequent annual enrollment period or if they elect coverage at any other time.
• An insured employee may change a dependent’s amount of insurance at any time. Proof of good health is required for any dependent increase.
ACCIDENTAL DEATH AND DISMEMBERMENT (AD&D): 24-hour coverage provides a payment in the event of loss of life, limb or eyesight, as a direct
result of an accident, provided the loss occurs within 90 days of the accident.
The AD&D option includes the following features which pay an additional amount of benefit if accidental death occurs.
• Higher Education Benefit: 2.5% of the principle sum up to $2,500 for eligible dependents.
• Automobile Accident Benefit: Seat belt benefit is 10% of the scheduled AD&D benefit to a maximum of $10,000; Air bag benefit is 5% of the
scheduled AD&D benefit to a maximum of $5,000. Limitations and exclusions apply.
AD&D EXCLUSIONS: No benefit will be paid for a Loss caused or contributed to by: sickness; disease; any medical or surgical treatment for items
(1) or (2); any infection, except a pus forming infection of an accidental cut or wound; war or any act of war, whether war is declared or not; any injury
received while in any armed service of a country which is at war or engaged in armed conflict; any intentionally self-inflicted injury, suicide, or suicide
attempt, whether sane or insane; taking drugs, sedatives, narcotics, barbiturates, amphetamines or hallucinogens unless prescribed for or
administered by a licensed physician; the injured person's intoxication; riding in or boarding or alighting from any vehicle or device for aerial navigation
as a pilot or crew member; driving or riding in any vehicle used in a race, speed or endurance test or for acrobatic or stunt driving; or participation in
an illegal occupation or activity or attempt to commit a felony.
If a discrepancy exists between this document and the group plan, the plan provisions shall control. This coverage contains limitations and
exclusions. Our plans comply with applicable state laws. We can cancel the plan after giving the policyholder advance written notice.
PLAN ISSUED THROUGH
www.NABenefits.com
"A" RATING BY A.M. BEST
www.ABACUSSeries.com
The rating represents A.M. Best’s opinion of Kansas City Life’s financial strength and its ability to meet ongoing obligations to policyholders as of 12/2007
Iron Horse
Trucking, LLC
Advantage Dental Plan Description This plan pays 100% coverage of allowable charges for preventive services, 80% coverage for basic services and 50% coverage for certain major services after a combined $100 lifetime deductible (all covered services). This is a PLAN YEAR policy (not calendar year). Open network – choose any dentist. FEATURES: ANNUAL MAXIMUM ‐ $1,000 per person PREVENTIVE SERVICES:  Routine exams and cleanings (one per 12 months)  Fluoride treatment for children under age 19 (one per 12 months)  Bitewing X‐rays (one per 12 months)  Emergency treatment for dental plan (minor procedures) BASIC SERVICES: (6 month waiting period)  Simple restorative services (fillings)  Sealants for children ages 6 through 15 (one per tooth per 36 months) MAJOR SERVICES: (12 month waiting period)  Endodontics (includes root canals)  Periodontics  Teeth removal and other oral surgery  Medically appropriate anesthesia related to covered surgery  X‐rays of the roots of teeth  X‐rays (Full mouth or Panorex, one per 36 months)  Space maintainers Major Services NOT covered  Dentures, bridges, inlays, onlays and all associated charges  Crowns, except associated with root canal procedure performed while covered under this plan  No Orthodontic coverage This is a general outline of covered benefits and does not include all the benefits, limitations, and exclusions of the policy. Please see certificate for details. Weekly Settlement Rates
Employee $5.31 Employee + Spouse
$9.00
Employee + Children
$11.77
Family
$15.69
Plans are underwritten by Companion Life Insurance Company of South Carolina. Plan administered by ADMU Benefits, LLC located in Plano, TX. CORE MEMBERSHIP BENEFITS AND SERVICES NDPSA‐II PRO PLUS PLATINUM Roadside Membership benefits for: Legally Licensed Drivers and Legally Licensed members of Primary NDPSA Member’s household:  Family Legal Services  Identity Theft Restoration and Insurance Services  Small Business Legal Services  Emergency Accident Helicopter Rescue Benefit  Emergency Medical Travel Assistance  TelaDoc ‐ $10.00 Telemedicine Consult  Virtual Sleep Lab Sleep Apnea Testing Access  Transportation Insurance Management System (TIMS)  Level III Roadside (Family, Farm, Trailers including those hauling livestock, RV’s, Motor Homes & Commercial Use Vehicles Up to and Over 26,001 lbs + GVW) Class II PLATINUM Dues $ 6.91 per week. All dues, fees and insurance premiums are collected and dispersed through a nationally licensed Third Party Administrator. The NDPSA is a Washington DC domiciled Non Profit association incorporated in 1990. All Insurance products are offered through Michael E. Reith DBA/The RS Agency licensed to sell LA&H and P&C in Texas and every other jurisdiction necessary. The NDPSA is managed by 631 Association Management Company, LLC., a Texas LLC.