Return to flip book view

HOWTOENROLLENROLLMENTOPTIONS02You can enroll in person at your employers office located at259 E Goodnight Ave.Aransas Pass, TX78335on Thursday, March 14th starting at 7am.01You con enroll independently throughour online Enrollment Platform. Login instructions are included on the next page.

CoastMaterials,Inc.EMPLOYEEBENEFITS:HOWTOLOGINTOBERNIEPORTALACCOUNTBelowaretheinstructionsforhowtologinbothwithandwithoutanemailaddress:Howtologinwithemail:Goto:https://www.bernieportal.com/en/loginEmployeedefaultlogins:Username:emailaddressPassword:Selecttheforgotpasswordoptionifyoudonotrememberorhavenotsetoneupbefore.ORHowtologinwithoutemail:https://www.bernieportal.com/en/emplovercode/loginEmployeecodelogins:2-digitcode:2-digitbirthmonth(Example:March=03)4-digitcode:last4ofsocialEmployercode:a70cd0BerniePortalABernardHealthProduction

CoastMaterials,Inc.CoastMaterials,Inc,thrivesonbalance-balancingprofessionalandpersonalworlds-balancingworkandrest-whilealwaysbalancingcostandvalue.WealsounderstandthatbalancemustbeindividualizecWhatisrightforonepersonmaynotbeappropriateforanother.ItisourgoaltoofferchoicesallowingyoutoItailoryourbenefitsplanspecificallytowhatisbestfor'youandyourfamilymembers.YourChoicesCoastMaterials,Inc.Providesacompletepackageofbenefitsaimedatprovidingflexibleinsuranceprotectionandprogramstomeetyourever-changingneeds.CoastMaterials,Inc,sharesthecostofsomebenefitswithyou,whilemakingadditionalbenefitsavailablethatyoupayforifyouchoosetoenroll.Thepartofthebenefitcoststhatyouareresponsibleforwillbeautomaticallydeductedfromyourpaycheck,eitherbeforeorafteryourtaxesarecalculated.BenefitPre-TaxorPostTaxWhopaysthecost?HealthInsurancePre-TaxEmployerSharedDentalInsurancePre-TaxEmployeePaidVisionInsurancePre-TaxEmployeePaidShortTermDisabilityPost-TaxEmployeePaidVoluntaryLifeIns.Post-TaxEmployeePaidAccidentPost-TaxEmployeePaidCriticalIllnessPost-TaxEmployeePaidHospitalPost-TaxEmployeePaidMakingChangesGenerally,youcanonlychangeyourbenefitschoicesduringtheannualBenefitsEnrollmentPeriod.However,youcanchangeyourbenefitschoicesduringtheyearifyouhavealifeeventchange.Lifeeventchangesincludebutarenotlimitedto:•Marriage•Divorce•Birth,adoption,orplacementforadoptionofaneligiblechild•Deathofyourspouseorcoveredchild•Changeinyouoryourspouse'sworkstatusthatresultsincancellationofyourbenefits•BecomingeligibleforMedicareorMedicaidduringtheyearIfyouhavealifeeventchange,youmustnotifyHumanResourceswithin31daysofthechange(forexample,amarriageorbirthcertificate).IfyoudonotnotifyHumanResourceswithin31days,youwillhavetowaituntilthenextannualOpenEnrollmentperiodtomakebenefitschangesunlessyouhaveanotherlifeeventchange.Anychangesyoumaketoyourbenefitchoicesmustbedirectlyrelatedtothelifeeventchange. Why do I pay for some benefits with before-tax money?While not all benefits qualify for pre-tax contribution,there is a definite advantage to paying for those that do:Taking the money out before your taxes are calculated lowers the amount of your taxable income. Therefore,you pay less in taxes.How Your Benefits WorkFull-time employees (30+ hours per week) areeligible for most benefits on the first day of the month following 60 days of hire.I

Group Short-Term Disability Income POLICY FORM G H1808/G H1808CPREPARED FORCoast Materials

Group Short-Term Disability IncomePolicy Benefits - Off the Job, Accident & Sickness CoverageTotal DisabilityPays a weekly benefit if the insured person cannot perform the important duties of their own occupation and are not working another job. Presumptive DisabilityWaives the elimination period and pays the total disability benefit for the maximum benefit period when an insured person suffers a permanent and irrevocable loss of speech, hearing in both ears, sight in both eyes, use of both feet, use of both hands, or use of one hand and one foot. Recurrent DisabilityA recurrent total disability will be considered a new total disability after 30 days. ChildbirthYou will be considered totally disabled for a period of six weeks (non-Caesarean delivery) or eight weeks (Caesarean delivery). The number of weekly benefits will be reduced by the elimination period. Organ DonorPays the same as any other sickness. Mental and Nervous Disorder Pays the same as any other sickness. Lifetime maximum applies, see exclusions and limitations. Substance AbusePays the same as any other sickness. Lifetime maximum applies, see exclusions and limitations. Waiver of Premium Premiums are waived after the insured person has been totally disabled for 30 days. Survivor*Pays a lump-sum benefit of 3 times the total disability weekly benefit to a beneficiary if the insured person dies while receiving total disability weekly benefits. This benefit will not be paid if the Terminal Illness benefit is paid. Terminal Illness*Pays a lump-sum benefit of 3 times the total disability weekly benefit if the insured person is diagnosed with a terminal illness while receiving total weekly disability benefits. Assurity’s Group Short-Term Disability Income insurance is simple, easy-to-understand and provides solutions for most employer and employee needs. It will help replace income if a covered employee becomes disabled and is unable to work.*These benefits will be paid provided the insured person has been receiving total disability weekly benefits for at least 6 weeks. The maximum total benefit paid for each benefit is $3,000.

Group Short-Term Disability IncomePOLICY FORM G H1808/G H1808CProposal Prepared ForPlan DetailsIssue State Texas Riders NoneIndustry Class Class 3Coverage Period Off the JobCoverage Type Accident & SicknessPlan Tier PrimeBenefit Period 13 weeksElimination Period 0/7 daysWeekly Premium, for Weekly Benefit Amount$8,750 $13,000 $17,500 $21,750 $26,000 $30,500 $34,750 $39,000$100 $150 $200 $250 $300 $350 $400 $450Issue 18-49 2.43 3.64 4.86 6.08 7.30 8.50 9.72 10.93Ages 50-59 2.86 4.30 5.73 7.16 8.60 10.03 11.47 12.9060-69 3.59 5.38 7.16 8.95 10.75 12.55 14.33 16.1270+ 4.48 6.74 8.99 11.23 13.47 15.72 17.97 20.21$43,500 $47,750 $52,000 $56,500 $60,750 $65,000 $69,500 $73,750$500 $550 $600 $650 $700 $750 $800 $850Issue 18-49 12.15 13.36 14.58 15.79 17.02 18.23 19.45 20.66Ages 50-59 14.33 15.77 17.19 18.63 20.07 21.49 22.94 24.3860-69 17.91 19.70 21.49 23.28 25.08 26.87 28.65 30.4570+ 22.46 24.71 26.96 29.19 31.45 33.70 35.93 38.19$78,000 $82,500 $86,750$900 $950 $1,000Issue 18-49 21.87 23.09 24.29Ages 50-59 25.80 27.23 28.6660-69 32.25 34.03 35.8270+ 40.42 42.68 44.92*The Weekly Benefit maximum is 60% of income*Guaranteed issue up to $1000 per weekGH1808SIA,WP,Srv,WPECoast MaterialsAnnual IncomeMax Weekly Benefit*Annual IncomeMax Weekly Benefit*Annual IncomeFebruary 18, 2020Ver 2.9Max Weekly Benefit*

Group Short-Term Disability IncomePOLICY FORM G H1808/G H1808CConditions and Limitations - TexasActively Employed – The employee must be actively employed to be eligible for coverage.Right to Cancel – The contract contains a 30-day free look period.Renewal – Coverage will terminate and no benefits will be payable under the policy, any certificate or any attached riders when either thepolicyholder or Assurity cancels this policy upon giving at least 61 days’ written notice to the other. Assurity will not cancel the policy prior to the end of the first year following the policy effective date.Termination – Coverage will terminate and no benefits will be payable under the certificate or any attached riders on the earliest of the following: the date the policy terminates; when any premium due for the certificate is not paid before the end of the grace period; the date the insured person no longer meets the definition of employee, unless coverage is continued as described in the Continuation of Coverage section; the date the insured person’s class is no longer eligible; the date Assurity receives written notice to terminate; or upon the insured person’s death.Elimination Period – The contract has an elimination period. We do not pay benefits during the elimination period.Foreign Travel and Residency – We will pay up to a maximum of three disability weekly benefits for any disability continued outside the United States or Canada.Mental and Nervous Disorders – We will pay up to a maximum of 52 disability weekly benefits during the insured person's lifetime.Substance Abuse - We will pay up to a maximum of 52 disability weekly benefits during the insured person's lifetime.Pre-existing Condition – A pre-existing condition is a physical condition or sickness for which, during the 12 months before the issue date, the insured person received medical advice or treatment from a physician. Assurity will not pay benefits for a total disability that is caused by a pre-existing condition unless the total disability starts after the certificate has been in force for 12 months from theissue date or for 12 months from the most recent reinstatement date.The pre-existing condition clause will be waived during the initial enrollment for employees with the existing carrier's coverage. Any employee not covered by the prior policy, including new hires, will be subject to the normal pre-existing condition clause.This is a proposal, not a contract nor an offer to contract. Availability of this product, along with all benefits and premiums as presented,is subject to the approval of Assurity. All benefits, premiums, conditions, exclusions and limitations are governed only by the actual contractas approved by Assurity and not this proposal. Policy availability, features and rates may vary by state.Assurity is a marketing name for the mutual holding company, Assurity Group, Inc. and its subsidiaries. Those subsidiaries include, but are not limitedto, Assurity Life Insurance Company and Assurity Life Insurance Company of New York. Insurance products and services are offered by Assurity LifeInsurance Company in all states except New York. In New York, insurance products and services are offered by Assurity Life Insurance Company ofNew York, Albany, NY. Product availability, features and rates may vary by state.

Group Short-Term Disability IncomePOLICY FORM G H1808/G H1808CExclusionsExclusions – We will not pay benefits for conditions that are caused by or are the result of the insured person:-having cosmetic surgery or other elective procedures that are not medically necessary; -operating, learning to operate, or serving as a crew member of any aircraft; -engaging in hang-gliding, hot air ballooning, bungee jumping, parachuting, scuba diving, sail gliding, parasailing, parakiting, mountain or rock climbing, B.A.S.E. jumping, sky diving or cave diving; -riding in or driving any motor-driven vehicle in an organized race, stunt show or speed test; -officiating, coaching, practicing for or participating in any semi-professional or professional competitive athletic contest for which any type of compensation or remuneration is received; -being exposed to war or any act of war, declared or undeclared; -actively serving in any of the armed forces, or units auxiliary thereto, including the National Guard or Army Reserve, except during active duty training of less than 60 days;-being under the influence of an excitant, depressant, hallucinogen, narcotic, or any other drug or intoxicant, unless administered on the advice of a Physician;-being intoxicated (as determined by the laws governing the operation of motor vehicles in the jurisdiction where loss occurs) or under the influence of an illegal substance or a narcotic (except for narcotics used as prescribed to the insured person by a physician); -having dental treatment;-having committed or attempting to commit a felony;-participating in a riot, insurrection or rebellion; -engaging in an illegal occupation; -intentionally self-inflicting an injury; -committing or attempting to commit suicide, while sane or insane; or-having an injury or sickness covered under Worker’s Compensation, an Employer’s Liability law or similar law.We will not pay benefits during any period in which the insured person is incarcerated in a penal institution or government detention facility. We will not pay benefits for disabilities that occur while the insured person is incarcerated in a penal institution or government detention facility.Rider forms may contain additional conditions, limitations and exclusions.This is a proposal, not a contract nor an offer to contract. Availability of this product, along with all benefits and premiums as presented,is subject to the approval of Assurity. All benefits, premiums, conditions, exclusions and limitations are governed only by the actual contractas approved by Assurity and not this proposal. Policy availability, features and rates may vary by state.Assurity is a marketing name for the mutual holding company, Assurity Group, Inc. and its subsidiaries. Those subsidiaries include, but are notlimited to, Assurity Life Insurance Company and Assurity Life Insurance Company of New York. Insurance products and services are offered byAssurity Life Insurance Company in all states except New York. In New York, insurance products and services are offered by Assurity Life InsuranceCompany of New York, Albany, NY. Product availability, features and rates may vary by state.