Protecting You and Your Family with These New
Insurance Coverage’s Being Made Available!
Welcome to TransChoice® Advance.
A Group Limited Benefit Hospital Indemnity Insurance Policy underwritten by Transamerica Life Insurance Company, Home Office: Cedar Rapids, Iowa
Our health is something we take for granted – until there is a problem. TransChoice Advance helps pay basic medical expenses related to hospitalization, with optional benefits that cover other things such as surgery, accidents (off-the-job only), x-rays, prescriptions and more. You get the medical attention you need – when you need it. TransChoice Advance offers meaningful benefits that are easily understood.
Life Insurance 10 or 20 Year Level Term
If Something Happens to You, Is Your Family Ready for Tomorrow?
There is no way to know what will happen tomorrow, but there is a way to help protect your family against the unexpected. Trans SelectSM 10 or 20 is Transamerica’s new term life insurance product to meet life’s changes — today and tomorrow.
At the end of each term, the coverage will automatically renew unless cancelled by the owner. The new premium rate, based on the attained age of the insured and the death benefit, will be presented. The premium change will occur on the group renewal date. Subsequent term periods are 10 or 20 years (depending on the product selected) or until the expiration date, if earlier.
Riders Included with Base Coverage:
- Accelerated Death Benefit for Terminal Illness
- Waiver of Premium Due to Layoff
Premiums will be waived up to 6 months if the owner is involuntarily laid off.
- Waiver of Premium Due to a Disability
Accident Insurance - 24-Hour On & Off-the-Job Coverage
You and/or your family are covered 24 hours a day against accidents whether you are working as a rural letter carrier, at home, on vacation, or playing sports, etc. Benefits are paid directly to you. A set dollar is paid for broken bones, dislocations, loss of limbs, sight, accidental death, daily hospital expenses, lump sum hospital expenses and much more.
Partial Fee schedule: (click here to see full brochure)
- Accident Emergency Treatment – $250
- Major Diagnostic Examination – $400
- Follow up Visits & Physical Therapy – $120 per visit
- Initial Accident Hospitalization Benefit – $1,500
- Accident Hospital Income Benefit – $200 per day
How long could you go without a paycheck?
If you run out of vacation or leave days, will you have enough savings to make it? Would you want to borrow money from family or friends while you’re getting well? Obtaining Social Security disability benefits can be challenging and time consuming. Now the NRLCA is making voluntary short-term disability income insurance available to you. You must satisfy the income requirements to qualify.
6 months or 12 months
14 days after a sickness or accident
- $800 monthly benefit - must work at least 20 hours per week
- $1,500 monthly benefit - must work at least 30 hours per week
*Income verification at time of claim.
Critical Illness Insurance (Cancer Plus) – Instant Cash based on Diagnosis
Pays a lump sum when diagnosed with cancer, having stroke, having a heart attack, need a major organ transplant or end-stage renal failure. Use the lump sum cash for anything you wish. You can purchase either $10,000 or $20,000 of this lump sum benefit.
Am I eligible for the insurance products
in the RCA Benefit Suite?
To be eligible for the Limited Medical Benefit Plan, 10 or 20 Year Level Term Life Insurance, Short-Term Disability Insurance, Cancer Plus (Critical Illness) Insurance and Accident Advance Insurance through Transamerica Employee Benefits, you must be an active member of the National Rural Letter Carriers’ Association, actively at work and able to perform all normal duties of your job. Please see policy specifics for dependent eligibility, if a dependent is currently disabled.