One of the biggest perks of voluntary benefits is that they are, in fact, fully optional, so you can opt for the benefits that you truly want, rather than having Excelligence choose for you. This autonomy in your overall benefits plan and deciding what combination of benefits will best suit your lifestyle and your family needs adds value to working for Excelligence.Â
In addition to Basic Life and AD&D, you may purchase Voluntary Life and AD&D coverage at discounted group rates. The chart below describes the amounts of coverage you can buy for yourself, your spouse, and your child(ren). You must elect Voluntary Life for yourself in order to elect coverage for your dependents.
Excelligence Learning Corporation offers all eligible employees the opportunity to purchase Short-Term Disability coverage through New York Life. The STD plan pays you a portion of your earnings if you are unable to work due to a non-occupational illness or injury.
Benefits Highlight
Excelligence Learning Corporation offers all eligible employees the opportunity to purchase Long-Term Disability coverage through New York Life. The LTD plan pays you a portion of your earnings if you cannot work for an extended time due to a disabling illness or injury.
Accidents can happen any time. Allstate Benefits Accident insurance helps you pay for expenses related to unexpected accidents and injuries. Accident insurance pays in addition to your medical plan, and benefits are payable regardless of any other insurance plans.
The benefit amount is determined by the injury and medical care received and paid in a lump sum amount. No health questions are required, but a pre-existing condition clause may apply.
Are you protected if you experience a critical illness? Allstate Benefits Critical Illness insurance offsets your out-of-pocket expenses related to the diagnosis of a critical illness such as a heart attack, coma, kidney failure, or cancer. Critical Illness insurance pays in addition to your medical plan, and benefits are payable regardless of any other insurance plans.
An unexpected hospital stay can be expensive, even with medical insurance. Allstate Benefits Hospital Indemnity insurance helps you cover your expenses related to being admitted or confined in a hospital. Benefits are paid directly to you, and the funds can be used as you see fit. No health questions are required, but a pre-existing condition clause may apply.
The MetLife Legal Plan gives you access to attorneys who can offer help or advice without you worrying about accruing high hourly costs. Your plan covers you, your spouse (or domestic partner), and your dependents.
Your pets can receive coverage to stay healthy, too. Voluntary pet insurance helps you keep your out-of-pockets costs low, as veterinary bills can add up quickly. With pet insurance from Nationwide, you can save on everything from wellness exams, cleanings and vaccinations to unexpected veterinary expenses. Call Nationwide at 877-738-7874 to speak with a pet insurance expert if you have any questions. Visit www.PetsNationwide.com, to get an instant quote and enroll at any time.
| Age |
Voluntary Life |
Voluntary AD&D |
Combined Rate |
|---|---|---|---|
| <20-34 | $0.02 | $0.03 | $0.05 |
| 35-39 | $0.04 | $0.03 | $0.07 |
| 40-44 | $0.09 | $0.03 | $0.12 |
| 45-49 | $0.14 | $0.03 | $0.17 |
| 50-54 | $0.32 | $0.03 | $0.35 |
| 55-59 | $0.51 | $0.03 | $0.54 |
| 60-64 | $0.53 | $0.03 | $0.56 |
| 65-69 | $0.97 | $0.03 | $1.00 |
| 70-74 | $2.62 | $0.03 | $2.65 |
| 75+ | $5.52 | $0.03 | $5.55 |
| Age | Voluntary Life | Voluntary AD&D | Combined Rate |
|---|---|---|---|
| One contribution covers all dependent children | $0.149 | $0.030 | $0.179 |
| Age |
Monthly Rate per $10 of Weekly Gross Benefit |
|---|---|
| <20-24 | $0.480 |
| 25-29 | $0.490 |
| 30-34 | $0.510 |
| 35-39 | $0.490 |
| 40-44 | $0.530 |
| 45-49 | $0.590 |
| 50-54 | $0.700 |
| 55-59 | $0.870 |
| 60-64 | $1.040 |
| 65-69 | $1.160 |
| 70-74 | $1.510 |
| 75+ | $1.970 |
| Age |
Monthly Rate per $100 of Covered Payroll |
|---|---|
| <20-24 | $0.10 |
| 25-29 | $0.19 |
| 30-34 | $0.38 |
| 35-39 | $0.60 |
| 40-44 | $0.91 |
| 45-49 | $1.22 |
| 50-54 | $1.49 |
| 55-59 | $1.68 |
| 60-64 | $1.76 |
| 65-69 | $1.85 |
| 70-74 | $1.94 |
| 75+ | $2.04 |
| Bi-Weekly | Weekly | |
|---|---|---|
| Employee | $8.00 | $4.00 |
| Employee + Spouse | $13.84 | $6.92 |
| Employee + Children | $16.82 | $8.41 |
| Family | $21.34 | $10.67 |
| Age | Non-Tobacco | Tobacco | ||
|---|---|---|---|---|
| Frequency | Bi-Weekly | Weekly | Bi-Weekly | Weekly |
| 18-29 | $3.46 | $1.73 | $4.34 | $2.17 |
| 30-39 | $7.26 | $3.63 | $10.20 | $5.10 |
| 40-49 | $14.06 | $7.03 | $22.30 | $11.15 |
| 50-59 | $24.68 | $12.34 | $39.78 | $19.89 |
| 60-64 | $33.42 | $16.71 | $54.18 | $27.09 |
| 65+ | $51.88 | $25.94 | $84.12 | $42.06 |
| Age | Non-Tobacco | Tobacco | ||
|---|---|---|---|---|
| Frequency | Bi-Weekly | Weekly | Bi-Weekly | Weekly |
| 18-29 | $5.50 | $2.75 | $6.84 | $3.42 |
| 30-39 | $11.28 | $5.64 | $15.68 | $7.84 |
| 40-49 | $21.58 | $10.79 | $33.94 | $16.97 |
| 50-59 | $37.66 | $18.83 | $60.32 | $30.16 |
| 60-64 | $50.86 | $25.43 | $82.00 | $41.00 |
| 65+ | $78.74 | 4 $39.37 | $127.10 | $63.55 |
| Low Plan | High Plan | |||
|---|---|---|---|---|
| Frequency | Bi-Weekly |
Weekly |
Bi-Weekly |
Weekly |
| Employee | $7.02 | $3.51 | $14.04 | $7.02 |
| Employee + Spouse | $19.32 | $9.66 | $38.58 | $19.29 |
| Employee + Children | $12.12 | $6.06 | $24.30 | $12.15 |
| Family | $20.75 | $10.38 | $41.52 | $20.76 |
