Frequently Asked Questions

Disability Insurance

Transamerica 10 & 20 Year Term Life Insurance


Disability Insurance

Do I need Disability Insurance?
What would happen if you became disabled and couldn’t work? How long would you be
able to pay your mortgage or rent, car payment and everyday living expenses? Today,
many people neglect to financially protect themselves from the devastating impact of a
longterm disability. Disability insurance from Transamerica Life Insurance Compay,
pays you cash benefits when you’re sick or hurt and can’t work.

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Am I Eligible for Disability Coverage?
To be eligible for disability coverage, you must be an active member of the National
Rural Letter Carriers’ Association, working 20 hours per week, and able to perform all
normal duties of your job.

Dependent insurance (for your spouse and/or children) may also be available, but only
when you, as the member, also select coverage for yourself.

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Will I need to answer health questions for disability coverage?
If you do not enroll on or before the end of your initial enrollment period and wish to apply
for coverage at a later date, Evidence of Insurability will be required. Your coverage
will be effective the first day of the month coinciding or following the date Transamerica
approves the coverage.

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When am I considered disabled?
Disability and disabled mean that because of an injury or illness, a significant change in
your mental or functional abilities has occurred, for which you are prevented from performing at least one of the material duties of your regular occupation.

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When will my disability benefits begin?
If you become disabled, your disability benefits become payable after you have been continually disabled for:

  • Option 1 (1 year benefit period): 14 days
  • Option 2 (2 year benefit period): 30 days

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How much is the disability benefit amount?
Your benefit is equivalent to 60% of your before-tax monthly earnings, not to exceed the plan’s maximum monthly benefit amount, less other income sources.

Maximum Monthly VLTD Benefit
Option 1:  $3,000
Option 2:  $3,000

Minimum Monthly VLTD Benefit
Option 1: $100
Option 2: $100

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How long are disability benefits payable?
Either 1 or 2 years based on the plan your selected.

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When do disability benefits end?
Coverage for you ends on the earliest of:

  • The date the policy or plan is cancelled;
  • The date you are no longer in an eligible group;
  • The date your eligible group is no longer covered;
  • The last day of the period for which you made any required contributions;
  • The last day you are actively employed;
  • The day before you enter the armed forces on active duty; or
  • The day you do not satisfy any other eligibility conditions as described in your certificate

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What if I do not have a self-addressed return envelope?

Please return all enrollment forms to:

GIS Benefit Center
PO Box 8633
Madison, WI 53708-8633

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How do I file a disability claim?
For complete instructions visit the How to File a Claim section on this web site. It will direct you on who to call and where you can download the forms.

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Can I make changes to my disability coverage?
If you experience a family status change during the year, you may be able to increase your coverage or add a dependent without evidence of insurability - if your request is received within 60 days of the family status change. If your request is submitted more than 60 days from the date of the family status change, you will be required to submit Evidence of Insurability (answer health questions).

In most cases, you may only increase your coverage or add dependent coverage if the increase or addition is consistent with the family status change.

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Term Life Insurance

Do I need life insurance?
Whether you’re single, married, have children or are close to retirement, having life
insurance is a must. term life nsurance provides the security loved ones need to get
through the financial hardships that may accompany the death of an income earner.

When determining how much life insurance you need, think about the expenses you may
encounter through every stage of your life. Insurance professionals recommend carrying
life insurance equal to four or five times household income.

However, since everyone’s needs are different, it’s important to assess your personal
situation and specific needs.

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Am I eligible for life coverage?
To be eligible for life coverage, you must be an active member of the National Rural
Letter Carriers’ Association, working 20 hours per week, and able to perform all normal
duties of your job.

Dependent insurance (for your spouse and/or children) may also be available, but only
when you, as the member, also select coverage for yourself.

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Are my dependents eligible for life coverage?
Dependent insurance (for your spouse and children up to age 19, or age 25 if they are full-time students) may also be available, but only when you, as the employee, also select coverage for yourself. All dependents must be performing normal activities and cannot be “totally disabled” as defined in the policy.  Totally Disabled Dependent means that, as a result of an injury, a sickness or a disorder, your dependent: (a) is confined in a hospital or similar institution; (b) is unable to perform two or more activities of daily living (ADLs) because of a physical or mental incapacity resulting from an injury or a sickness; (c) is cognitively impaired; or (d) has a life threatening condition.

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Can I sign up for Term Life Coverage with Transamerica Life Insurance Company
and have other Life Insurance?

Term Life Insurance through TLIC is available to NRLCA members up to 5 times salary to
a maximum of $100,000, $15,000 for Spouse and $10,000 for children is supplemental to
other group or individual life insurance products that members may have already. There
is no coordination within Life Insurance Products. Members can purchase Life Insurance
amounts that they need as well as can afford. This is a great opportunity to purchase low
cost term life insurance at low costs without medical questions up to certain amounts.

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Will I need to answer health questions for term life coverage?
Yes, just a few health questions are required during open enrollment periods. No Medical Exams are required. If Conditional Guarantee Issue Amounts are as follows:

  • Member: $100,000
  • Spouse: $15,000
  • Child(ren): $10,000

If you do not enroll on or before the end of your initial enrollment period and wish to apply
for coverage at a later date, evidence of insurability will be required. Your coverage will
be effective the first day of the month coinciding or following the date Transamerica Life
Insurance Company approves the coverage.

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What do I need to do to sign up for Term Life Insurance coverage?
Please mark the selection for member, spouse and child and return your enrollment form in the self-addressed envelope.  If you do not have a self-addressed envelope, please return all enrollment forms to:

GIS Benefit Center
PO Box 8633
Madison, WI 53708-8633

Don't wait! After this initial enrollment any amount of insurance will be subject to medical evidence of insurability.  This is a great opportunity to purchase low cost group insurance that will protect your loved ones as well as your paycheck in case of illness or an accident.

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How do I file a life claim?
For complete instructions visit the How to File a Claim section on this web site. It will direct you on who to call and where you can download the forms.

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What if I have more questions?
Please contact the GIS Benefit Center toll free at (877) 817-4801.

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