Home Insurance Coverages and Benefits

Information from Liberty Mutual

Coverages and Benefits

Rewarding You With Savings, Protecting You With Coverage

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  Home Insurance Coverages
  Liberty Mutual will be there when you need us, starting with helping you decide which homeowners insurance coverage options and policy limits you may need, for you and your home.
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    Home Insurance Benefits
    Convenient home insurance account services and features you want, plus special policyholder benefits you’ll appreciate.
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      Home Insurance Discounts
      With multiple discounts connected to your home’s features and your employer or professional association, you could save money on our already competitive rates.
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        Claims Services for Home
        When you have a home insurance claim to report, one call puts the process in motion. You can even file non-injury claims online. We’ll work hard to get your home back to normal.
      • Home Insurance Coverages
      • Protecting Yourself and Your Home with Liberty Mutual Home Insurance Policies
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      • Coverage for Your Home
        Liberty Mutual homeowners insurance coverage protects your home and other structures on your property—like a garage or tool shed—against loss from many things, including, but not
        limited to:

        • Smoke, fire or lightning
        • Windstorm, hail or weight of ice, snow or sleet
        • Theft or vandalism
        • Falling objects
        • Freezing of a plumbing, heating, air conditioning or automatic fire-sprinkler system, or of a household appliance

        Personal Possessions
        If your personal possessions—including furniture, clothing and appliances—are damaged or lost as a result of a covered loss, we’ll arrange for them to be repaired or replaced. Policy limits, terms and conditions apply.
        
        Additional Living Expense
        If your home is unlivable due to a covered loss, we'll cover the additional necessary expenses you incur, up to the limits stated in your policy, to live elsewhere, enabling your family to maintain its normal standard of living.
        
        Home Protector Plus™
        If you want expanded coverage and additional benefits—including additional coverage for unforeseen costs when rebuilding your home or replacing personal property—you should consider adding this coverage.
        
        Extra Coverage for Valuables
        If you own certain high-value items, such as jewelry, art or camera equipment, you should consider adding this coverage.
        
        Liability
        If someone is accidentally injured or has property damaged while on your premises, Liberty Mutual will defend any claims against you and pay those claims up to your policy limits. We’ll also pay for reasonable and necessary medical expenses up to the limit you purchased, regardless of who was at fault.
        
        Inflation Protection
        If you purchase Inflation Protection Coverage at an additional cost, Liberty Mutual will automatically adjust your policy limits to keep pace with inflation - and you will receive a discount on your policy premium.
      • Home Insurance Benefits
      • Your Liberty Mutual Homeowner Policy Comes With All These Great Features
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      • We offer a number of benefits to our policyholders to help make managing a home insurance policy as simple and stress-free as possible:
        
        Manage Your Policy Online-- Register for our online services and log in to view your convenient billing options and set up a payment schedule through automatic deductions. You can make a one-time payment, or choose to pay monthly, quarterly or in one lump sum. 
        
        You can also view policy information, make changes to your policies, set up paperless delivery of your documents and report or check on a claim. 
        
        After-Hours Policy Services-- When you need policy information, answers to billing questions or assistance with policy changes, including after normal business hours, our Customer Response Center is available and ready to assist you. 

      • Home Insurance Discounts

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      • • Our goal is to provide you with the best coverage options for your home that can be tailored to specifically meet your needs.
          
          Take advantage of the following special savings that you may be able to apply to your policy:
        • Multi-Policy Discount—If you have more than one policy with us, you can qualify for a multi-policy discount that gets you comprehensive protection and additional savings. That's the benefit of having another Liberty Mutual policy, such as Auto, Life, Condo, Renters, Umbrella or Annuity.
        • Exclusive Group Savings—Liberty Mutual partners with more than 14,000 employers, alumni associations, and professional associations to offer special savings to their employees and members.1
        • Protective Devices Discount—Save on your home insurance by outfitting your home with protective devices such as smoke alarms, deadbolts, fire extinguishers, fire alarms, burglar alarms or sprinklers.
          
          Insured to Value Discount—When you insure up to 100% of the cost to replace your home (usually different from the market value or selling price), you may receive a discount.
          
          Claims Free Discount—You'll save on a new home policy if you have not filed a claim with your previous insurance carrier for five years or more.
          
          Early Shopper Discount—Save on your home insurance when you request a quote before your current policy's start date or expiration with another carrier.
          
          Newly Purchased Home Discount—Receive special savings if you've recently purchased your home.
          
          New/Renovated Home Discount—You may qualify for special savings if your home was built or substantially renovated recently.

        • Claims Services for Home

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        • 24-hour claims assistance 
          When you need to report a claim, you can call or click 24 hours a day, 7 days a week.  Call 1-800-2CLAIMS (800-225-2467).
          
          CNRP — Contractor Network Referral Program*
          Your Claim Handler can provide you with information on approved vendors established by Liberty Mutual to provide customers with competent, reliable, contractors to perform building repairs related to an insured loss.  You are under no obligation to use the services of the CNRP contractor.  However, if you do, Liberty Mutual will guarantee the workmanship performed by the CNRP for one year.  Subject to policy provisions, the only cost to you will be your deductible and any non-recoverable depreciation.
          *May not be available in all locations.
          Temporary Living ExpenseIf your home is unsafe or damage is so extensive that you cannot live there, your Claim Handler can assist you in locating temporary housing and advise you on your policy coverage for additional living expenses.  Your Claim Handler can also offer you an advance against the total settlement amount of your claim for clothing or other immediate necessities.
          
          24-Hour Homeowner Emergency Repair Service
          If you have a covered loss and your property needs to be protected from further damage, Liberty Mutual can dispatch someone to your home to take care of the situation. This service is available 24 hours a day, 7 days a week.
          
          Personal Property Replacement ServiceNormally, you'd have to find individual replacements and arrange for shipping and handling on your own. With this service, one phone call sets the process in motion. Drawing from a database of more than 400,000 items, we can locate the exact items you lost - or the closest match - and ship them to you within 48 hours.
          
          Catastrophe TeamLiberty Mutual's catastrophe team provides an immediate assessment of damages and appraisal resources to you when you need it most.
        • The descriptions of coverages listed on this web site are necessarily brief and are subject to the provisions, limitations, and exclusions that can only be expressed in the policy and related endorsements.  Benefits and services outlined on this web site are provided at no additional cost unless otherwise specified.  Discounts, credits, and benefits are available where state laws and regulations allow and may vary by state.  Please contact your insurance representative for additional details.
        • • Home Insurance Products
          • Homeowners Insurance
          • Renters Insurance
          • Condominium Insurance
          • Landlord Insurance
          • Umbrella Insurance
          • Flood Insurance
          • Identity Fraud Expense Coverage
          • Mobile Home Insurance

          
          
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          © 2014 Liberty Mutual Insurance, 175 Berkeley Street, Boston, MA 02116 | an Equal Opportunity Employer
          36 USC 220506
        • Lewis Insurance
          2525 S. Lamar Ste 11
          Austin, TX
          78704
        • www.nationwide.com/joshlewis
          www.austinhealthbrokers.com

Group Health Insurance

Helpful Group Health info from Federated Insurance

Group Health

Value-Added Group Health Products

Federated’s group health insurance plans called Federated Health Choice^® (FHC) are specifically designed for small- to medium-sized businesses. Our plans are available in these states (highlighted in maroon):

Contact your Federated representative in these states for more information or a quote for Federated Mutual® group health insurance plans. See Locate Your Federated Representative.

Federated Health Choice® is offered exclusively through your local Federated representative and includes group medical,life, disability income, and dental plan options.

Group Medical

Group Health Products with Value-Added Service

Federated offers business owners affordable employee benefit plans with choices. Our plans include these features:

• Plans of choice – Preferred Provider Organization (PPO) – You choose your provider – no referrals needed, no gatekeepers.
• National PPO Networks – Network doctors available to you while traveling, on vacation, or for children away at school.
• Catastrophic transplant coverage – Full policy limits apply – no hidden sublimits.
• Open formulary list for prescription drugs – No list that omits certain drugs.
• Case management for catastrophic claims – We work with you and your providers to make sure care is appropriate and cost-effective.
• Claims service with personalized, individual attention – When you call our claims office, you speak with a friendly, caring person.

Value-added premium savings choices

• Many plan designs and options – Numerous plan design options available, choose from a variety of deductible, coinsurance and copay plan designs.
• Defined Reimbursement Plans (DRP) – A DRP offers options to help you and your employees control health care expenses.Freedom Services provides administration services for our DRP.
• Quality service – Local marketing representatives offer quality products and service for all lines of coverage you choose to purchase from Federated.
• Medical management program – Helping you get the right care at the right time in the right setting. Federated partners with a utilization management program to help you make an informed decision about the appropriateness of the care you receive.
• Prescription drug plan – Federated works with Express Scripts, a leading provider of prescription benefit services in the United States. As one of the nation’s leading prescription benefit managers, they are recognized as being at the forefront of pharmacy and medical cost management. Use of preferred brands on your drug list may save you money.
• Vision discount program – Federated offers this program through Careington International, one of the largest, most comprehensive, privately-held discount health care companies in America. The program provides significant savings opportunities across a broad spectrum of vision products and services.

More than 100 local, state, and national trade associations recommend Federated’s group products to their members.

Group Dental

Dental Coverage for Your Employees

Many employers like to offer their employees dental coverage along with their group medical benefit. Group dental insurance is available to businesses with five or more employees covered under a Federated Group Medical Plan.

Benefit options available

• $500 for each covered individual (per calendar year)
• $1,000 for each covered individual (per calendar year)
• $1,500 for each covered individual (per calendar year)
• $2,000 for each covered individual (per calendar year)

Calendar-year deductible

• For each insured family member - $50
• Aggregate family deductible - $100

The deductible does not apply to preventive services.

Coinsurance

• Dental plans written after 2006 pay 100 percent of preventive services
• Dental plans written prior to 2007 pay 80 percent of preventive services
• Dental plan pays 80 percent of basic services
• Dental plan pays 50 percent of major services

Contact your Federated representative for more information on all Federated Group Plans.

Group Life

Do Your Employees Have Life Insurance?

You can include life insurance among your employee benefits with a Federated Group Life Insurance plan. This important protection is available to businesses covered under a Federated Group Medical Plan.

Level amount option

Employer chooses a flat amount of coverage for all employees, with amounts between $15,000 and $50,000 (or up to $100,000 if 10 or more employees are enrolled).

Class-based amount option

Employer chooses the schedule. The amount for each employee is based on the employee’s occupation or position – $15,000 to $50,000 (or up to $100,000 if 10 or more employees are enrolled).

Accidental death and dismemberment coverage is included for both the level amount and class-based options.

Contact your Federated representative for more information on all Federated Group Plans.

Group Disability Income

Protection When You Can’t Work

Disability income protection is important to your employees if they can’t work because of an illness or injury. Federated offers a group disability income plan, available to businesses covered under a Federated Group Medical Plan.

You can select from Weekly Income Benefit schedules for 26 weeks:

• $100
• $150
• $200
• $300
• $400
• $500

The amount in the schedule is paid for time lost from work due to illness or injury not covered by workers compensation.

Payments are limited to two-thirds of an employee’s weekly earnings up to a maximum of $500.

Contact your local Federated representative for more information on all Federated Group Plans.

Health Care Reform

Patient Protection and Affordable Care Act (“PPACA” or “ACA”)

Enacted March 23, 2010
The highly publicized health care reform bill (Patient Protection and Affordable Care Act (PPACA or ACA) – what is commonly known as Health Care Reform (HCR) is now law and the arduous task of interpretation and implementation has begun.

ACA only created the outline for what will happen over the next several years – most provisions take effect in 2014 and many do not come into play until years after that. It is only as regulations implementing ACA are written that we are beginning to know what it really means. Regular updates will be posted to this website. This site will provide you with links to information from the various sources involved in implementation of HCR. This information will help you determine how ACA may affect you and your employees.

Affordable Care Act – General Information

• US Department of Labor Affordable Care Act Information
• Affordable Care Act (ACA) Tax Provisions
• AHIP – Affordable Care Act Information
• Implementation Timelines
• Response to U.S. Supreme Court Ruling on Affordable Care Act
• Kaiser Family Foundation – The Basics
• Health Care Changes Wizard

Affordability

• AHIP – Affordability Information

Age Rating

• AHIP – Age Rating Information

Employer Penalties

• Employer Size Calculator
• Potential Employer Penalties Under the Patient Protection and Affordable Care Act (ACA)
• Employer Responsibilities and Penalties Beginning in 2014
• IRS Issues Guidance on Counting Full-Time Employees
• Kaiser Family Foundation - Employers

Essential Benefits

• AHIP – Essential Benefits Information

Exchanges

• Required notice to employees
• AHIP – Exchanges Information
• Kaiser Family Foundation - Exchanges
• Kaiser Family Foundation – Subsidy Calculator

Fraud

• New National Public-Private Partnership to Reduce Health Care Fraud

Grandfathered Plans

• Health Care Reform and Grandfathered Plans
• Whether to Preserve "Grandfather" Status

Guarantee Issue

• AHIP – Guarantee Issue Information

Health Care Costs

• AHIP – Health Care Costs Information
• Kaiser Family Foundation – Health Care Costs

Health Insurance Tax

• AHIP – Health Insurance Tax Information
• 2010 Small Business Tax Credit
• Tax on Cadillac Health Plans

Medical Loss Ratio

• AHIP – Medical Loss Ratio Information

Notices

• Notice to Employees of Health Insurance Marketplace Options
• Revised Notice of COBRA Options 
• DOL Technical Release 2013-02 – Notice to Employees of Coverage Options & Updated COBRA Notice

Personal Coverage Requirement

• AHIP – Personal Coverage Requirement Information

Preventive Care Benefits

• Preventive Care Benefits

W-2 Reporting

Terms Of Use

 

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Notice of Privacy Practices

 

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© 2005-2013 Federated Mutual Insurance Company. All rights reserved.

Lewis Insurance

2525 S. Lamar Ste 11

Austin, TX

78704

www.nationwide.com/joshlewis

www.austinhealthbrokers.com

Life and Annuities

Very helpful Life Insurance information from Sentry Insurance.

Sentry Insurance is one of the nation's leading insurers.

With Sentry, your local sales representative provides the personal touch you expect, helping make sure you are well protected with the life insurance coverage that meets your unique needs.

Term Life

Sentry's Term Life Insurance - Patriot Term III

Sentry's term life insurance product provides $50,0000 (minimum) of guaranteed level life insurance coverage to age 95, with 10-, 15-, 20- or 30-year level premium options.

Depending on the coverage amount and your age, Patriot Term III can be written on a simplified issue basis for individuals in good health.

Patriot Term III is convertible to permanent whole life insurance during the first five years of the policy. Conversion does not require evidence of insurability. Conversion rules do apply.

The following optional coverages are available in most states:

• Waiver of Premium – in the event of disability
• Children's Term Rider – affordable term life insurance for your children

Let a Sentry sales representative help you design a life insurance protection plan for you and your family.

Whole Life

Sentry's Whole Life Insurance – Traditional Whole Life III

Sentry's whole life insurance product provides $25,000 (minimum) of life insurance coverage with, guaranteed cash values, guaranteed level premium and reduced paid-up insurance.

The following optional coverages are available in most states:

• Waiver of Premium – in the event of disability
• Children's Term Rider - affordable term life insurance for your children
• Accidental Death Rider – an optional rider can be purchased that will provide an additional amount of insurance if the insured dies due to an accidental bodily injury.
• Guaranteed Insurability Rider – provides the option to purchase additional life insurance protection regardless of health at ages 22, 25, 28, 31, 34, 37 and 40.

Let a Sentry sales representative help you design a life insurance protection plan for you and your family.

Understanding Fixed Annuities

Annuities are often used as retirement savings vehicles. You pay a sum of money that is invested, and, in return, the life insurance company makes specified payments to you or your beneficiaries. Unlike money placed in a savings account, the money invested in a fixed annuity grows on a tax-deferred basis, which allows your money to grow at a faster rate.

Why Save Now for Retirement?

• You can expect to live longer
• Inflation impacts future financial needs
• Health care costs are expected to continue to rise
• Housing costs will also increase
• Future of Social Security is uncertain

Retirement Savings Options

With Sentry's Payback Annuity, you can enhance your retirement with flexible contributions, a flexible retirement date and a guaranteed lifetime of income at retirement.

In addition to annuities, Sentry also offers other retirement savings options, including non-qualified, IRAs and Roth IRAs.

Let a Sentry sales representative help you plan for your retirement with the Sentry's Payback Annuity.

Property and casualty coverages are underwritten by a member of the Sentry Insurance Group, Stevens Point, WI. Life insurance, annuities, pensions and group products are issued and administered by Sentry Life Insurance Company, Stevens Point, WI, except in New York, where such products are issued by Sentry Life Insurance Company of New York, Syracuse, NY.

Lewis Insurance
2525 S. Lamar Ste 11
Austin, TX
78704

www.nationwide.com/joshlewis
www.austinhealthbrokers.com

Accident and Health Insurance

Health Insurance information from ACE Insured.

Accident and Health Insurance

ACE works closely with sponsoring partners to offer insurance protection to their employees, members and customers. 

ACE's local accident and health (A and H) experts can partner with organizations of any size to develop supplemental insurance programs that add value to their employee, member and customer relationships and can potentially offer an income opportunity for the organization.

Key products include:

• Personal accident coverage, including accidental death and disability (A D and D)
• Supplemental health and disability insurance, including hospital income, critical illness, cancer, and disability
• Travel insurance – business and leisure
• Student accident insurance, including international travel and study abroad
• Global medical insurance: short-term accident and sickness coverage for employees traveling outside their home country or country of permanent assignment, as well as benefits for lost baggage and personal effects
• Employee benefits, such as voluntary A D and D, travel, occupational accident, stop-loss medical, critical illness, dental and vision programs
• Payment protection – credit life, disability, and unemployment

We partner with a range of businesses and organizations, including:

• Small, medium, and large employers, including multinationals
• Financial institutions  -  for example, ACE has delivered A and H products to customers of a major global credit card company for nearly 40 years
• Colleges, universities, and other institutions of higher learning
• Affinity groups, including associations, clubs, societies, labor unions, sports teams, and volunteer groups
• Airlines, cruise lines, travel agencies, and tour operators
• A range of industries, including retailing, publishing, oil and natural gas, utilities, and telecommunications (including mobile network operators)

This general product description is informational only. It is neither an offer to sell nor a solicitation to purchase any particular insurance product. Coverages may not be available in all jurisdictions and may be available only through appropriately licensed brokers. Refer to the Licensing Information document for a chart of the jurisdictions in which each ACE Group subsidiary is licensed.

© 2014 ACE

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Lewis Insurance
2525 S. Lamar Ste 11
Austin, TX
78704

www.austinhealthbrokers.com

www.nationwide.com/joshlewis