Coming in 2017

The NRLCA is happy to announce that Symetra Life Insurance Company will now replace the Cigna Life and Long Term Disability Income Insurance programs.

Open enrollment will begin in January and will follow the schedule below.

SWAC and SAC                       February 1st-March 15th

Eastern States                         March 15th-April 30th

Western and Mid States        April 15th-May 31st

With this new change, there are several new enhancements, that we would like to share.

Symetra Benefit Enhancements

 We are very excited about this change as it is bringing enhancements to our already great benefit! Below highlights the disability plan enhancements:

  • Higher minimum monthly
    • Cigna Plan had a minimum disability benefit of $100
    • Symetra Plan will have a minimum benefit of the Greater of 10% of Gross Monthly Benefit or $100
  • Higher Any Occupation Earnings Test after disability benefits are payable for 24 months.
    • Cigna measured disability at 60% of your Indexed Earnings
    • Symetra will use a measure of 80% of your Indexed Earnings
  • Higher Lump Sum Survivor Benefit. This is a benefit that is payable if you die while collecting disability benefits. A lump sum payment may be paid to your eligible
    • The Cigna benefit paid 3 times your gross monthly benefit
    • The Symetra benefit will pay 6 times your gross monthly benefit
  • There is an addition of an Additional Catastrophic benefit. This benefit pays you an additional benefit (20% monthly benefit up to a maximum of $5,000) on top of your disability benefit if you are unable to safely and completely perform two of your Activities of Daily Living (i.e. bathing, dressing, toiling, transferring or eating).
    • How this benefit works: if you make $60,000 and are on the 60% disability benefit plan:
      • Regular monthly benefit = $3,000 (60% of your monthly income)
      • Additional Catastrophic benefit = $1,000 (20% of your monthly income)
        • Total Benefit received per month = $4,000

*If you are out of work due to disability prior to January 1, 2017, your policy will not change over to Symetra until you return to work.

Those claims would need to be filed with Cigna. At the time you return to work, please notify our Benefit Center at 877-817-4801.