Proprietary 8-22 FARMERS® AGENT GROUP BENEFITS PROGRAM The Farmers® Agent Group Benefits Program consists of many plans that, together, offer valuable coverage for you and your family. The benefits program includes plans that help pay for dental, and vision expenses, provide income if you’re ill or injured and unable to work, and provide financial support for your family in case you die or are seriously injured in an accident. This document has been developed to serve as a guide for enrolling in the Farmers Agent Group Benefits Program. It provides information about the benefit programs available to you and how to enroll in them. If you want more detailed information about the individual plans, you can request a summary plan description (SPD) directly from the Farmers Agent Benefits Department. You may also access the SPDs online at www.farmersagentsbenefits.com. This guide is merely an overview of the benefit plans available through the program. Please refer to the carrier-specific SPD for additional coverage details. ELIGIBILITY All participants (agents, district managers and staff members of agents and district managers) are eligible for benefits on the first day of the month following 30 days of full-time appointment (20 hours or more per week). For example, those with a March 1 appointment date are eligible on April 1. If the appointment date is March 2, the eligibility date is May 1. The 30-day waiting period does not apply to E&O coverage. Newly appointed agents and district managers will be automatically enrolled in the Errors & Omissions Level 1 Coverage with limits of liability of $1,000,000 each claim/$2,000,000 annual aggregate. Your eligible dependents Dependents that may be covered are your spouse, registered domestic partner, and eligible children as described below: n A natural child n An adopted child (including a child from the date of placement with adopting parents until the legal adoption) n A stepchild (including the child of a domestic partner) n A foster child n A disabled child dependent who exceeds the maximum age. Proof that the covered dependent is fully disabled must be submitted to the carrier no later than 31 days after the date the child reaches the maximum age. For more information on what constitutes a disabled child, please refer to your SPD. Note: Coverage will not be extended to the spouse or child(ren) of an adult child for any available plans. 1 WHO CAN I CALL? The Farmers Agent Benefits Call Center, at 877.862.1237, can answer questions about: n The enrollment process n The status of your enrollment n Eligibility n COBRA coverage and administration n Continuation coverage See the Contact List on the inside front cover of this guide for other important phone numbers. eligibility
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