Proprietary 8-23 TABLE OF CONTENTS Farmers® AgentGroupBenefitsProgram. . . . . . . . . . . . . . . . . . . . . . 1 Eligibility . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 LifeandAD&DInsurancePlans...........................3 DisabilityInsurancePlans.............................8 TheDentalPlans................................13 TheVisionPlan.................................17 CriticalIllnessInsurance(CII)Plan . . . . . . . . . . . . . . . . . . . . . . . . .19 HospitalPlan..................................21 AccidentPlan..................................22 ErrorsandOmissionsInsurance . . . . . . . . . . . . . . . . . . . . . . . . . .23 The Farmers Agency Force Deferred Compensation Plan . . . . . . . . . . . . . . . 27 Fidelity Bond . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .31 EnrollinginBenefits...............................32 HowtoAddaStaffMember...........................34 How to Terminate a Staff Member’s Benefits . . . . . . . . . . . . . . . . . . . . 35 How to Get a Rate Quote (New Participant Modeler) . . . . . . . . . . . . . . . . .35 QualifiedStatusChange.............................36 COBRAContinuationCoverage. . . . . . . . . . . . . . . . . . . . . . . . . .38 Index . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 44 IMPORTANT — PLEASE READ This brochure highlights the main features of the Farmers® Agent Group Benefits Program. This brochure does not include all plan rules and details. The terms of the benefit plans are governed by legal documents, including insurance contracts. Should there be any inconsistencies between this brochure and the legal plan documents, the plan documents govern. We reserve the right to change or discontinue benefit plans at any time. The dental, vision, life, and disability plans are ERISA plans filed as a Multiple Employer Welfare Arrangement (MEWA). Farmers agents are a group of independent employers providing benefit options for their own employees. The dental, vision, life, long term disability, critical illness, hospital, accident and deferred compensation plans are all voluntary. Participants may pick and choose the benefit plans that suit their insurance needs.
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